BFH NYSE
Bread Financial Holdings, Inc.
1W: -1.2%
1M: -7.2%
3M: +13.6%
YTD: +14.2%
1Y: +63.0%
3Y: +224.2%
5Y: -3.1%
$86.60
+0.82 (+0.96%)
Weekly Expected Move ±5.4%
$77
$82
$87
$91
$96
Overview
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Chart
Smart Money
Financials
Income Statement
Cash Flow
Balance Sheet
Earnings
Dividends
Analysis
Technicals
Weather
Peers
ESG
Institutions
ETF Exposure
Dark Pool
Short Interest
Revenue Segmentation
By Product / Service
By Geography
Revenue by Segment (5-Year Trend)
Income Trends
Revenue
$4.7B
-2.1% ▼
5Y CAGR: +18.3%
Gross Profit
$3.0B
+21.9% ▲
5Y CAGR: +7.9%
Operating Income
$614M
+61.2% ▲
5Y CAGR: -9.0%
Net Income
$518M
+87.0% ▲
5Y CAGR: +19.3%
EPS (Diluted)
$10.96
+99.3% ▲
5Y CAGR: +19.7%
EBITDA
$694M
+47.3% ▲
Profit Margins
Year-over-Year Growth
View Full Income Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $3.7B | $4.4B | $5.2B | $4.8B | $4.7B |
| YoY Growth | -3.7% | +19.6% | +18.3% | -7.3% | -2.1% |
| Cost of Revenue | $1.6B | $2.1B | $2.1B | $2.4B | $1.7B |
| Gross Profit | $2.1B | $2.3B | $3.1B | $2.4B | $3.0B |
| Gross Margin | 56.4% | 52.0% | 59.3% | 50.9% | 63.3% |
| R&D Expenses | $0 | $0 | $0 | $0 | $0 |
| SG&A Expenses | $831M | $959M | $1.0B | $1.0B | $1.3B |
| Operating Expenses | $633M | $2.0B | $2.1B | $2.1B | $2.4B |
| Operating Income | $1.0B | $300M | $968M | $381M | $614M |
| Operating Margin | 28.6% | 6.9% | 18.7% | 7.9% | 13.1% |
| Interest Expense | $383M | $503M | $879M | $960M | $854M |
| Income Before Tax | $1.0B | $300M | $968M | $381M | $614M |
| Tax Expense | $247M | $76M | $231M | $102M | $92M |
| Net Income | $801M | $223M | $718M | $277M | $518M |
| Net Margin | 21.9% | 5.1% | 13.9% | 5.8% | 11.0% |
| EPS (Diluted) | $16.02 | $4.46 | $14.36 | $5.50 | $10.96 |
| EBITDA | $1.2B | $413M | $1.1B | $471M | $694M |
| Shares Outstanding | 50M | 50M | 50M | 50M | 46M |