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BREAD FINANCIAL HOLDINGS, INC. BFH

NYSE · stock · Personal Credit Institutions · website · IPO 2001-06-08 · LEI

BREAD FINANCIAL HOLDINGS, INC. financials (annual)

Revenue
$7.14B $5.47B $5.67B $5.58B $4.52B 2016201720182019202020212022202320242025
Net income
$788.7M $963.1M $278.0M $214.0M $801.0M $223.0M $718.0M $277.0M $518.0M 2016201720182019202020212022202320242025
Free cash flow
2016201720182019202020212022202320242025

Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue—————$4.5B$5.6B$5.7B$5.5B$7.1B
Operating income—————$301.0M$662.0M$1.8B$1.5B$1.3B
Interest expense——$879.0M$503.0M$383.0M$499.0M$638.0M$542.3M$455.4M$428.5M
Income tax$94.0M$102.0M$231.0M$76.0M$247.0M$93.0M$156.0M$269.5M$293.3M$319.4M
Net income$518.0M$277.0M$718.0M$223.0M$801.0M$214.0M$278.0M$963.1M$788.7M—
EPS (diluted)$10.89$5.49$14.34$4.46$16.02$4.46$5.46$17.49$14.10$7.34
Operating cash flow$2.1B$1.9B$2.0B$1.8B$1.5B$1.9B$1.2B$2.8B$2.6B$2.1B
Cash & equivalents$3.6B$3.7B$3.6B$3.9B$3.0B$2.8B$3.9B$3.8B$4.2B$1.9B
Inventory—————$164.3M$218.0M$248.0M$234.1M$271.3M
Total assets$22.7B$22.9B$23.1B$25.4B$21.7B$22.5B$26.5B$30.4B$30.7B$25.5B
Total liabilities$19.3B$19.8B$20.2B$23.1B$19.7B$21.0B$24.9B$28.1B$28.8B$23.9B
Shareholders' equity$3.3B$3.1B$2.9B$2.3B$2.1B$1.5B$1.6B$2.3B$1.9B$1.7B

Growth · year-over-year · Revenue CAGR -10.8%

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue growth—————-19.0%-1.5%+3.5%-23.3%+10.8%
Net income growth+87.0%-61.4%+222.0%-72.2%+274.3%-23.0%-71.1%+22.1%——
EPS growth+98.4%-61.7%+221.5%-72.2%+259.2%-18.3%-68.8%+24.0%+92.1%-17.1%

Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.