Bread Financial Holdings, Inc. (BFH) Earnings History
Elite Compounder28 years of earnings data (1998–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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Bread Financial Holdings, Inc. (BFH) Earnings Overview
As of June 22, 2026, Bread Financial Holdings, Inc. (BFH) reported trailing twelve-month net income of $518M, reflecting +99.3% year-over-year growth. The company earned $11.26 per diluted share over the past four quarters, with a net profit margin of 11.0%.
Looking at the long-term picture, BFH's 5-year EPS compound annual growth rate (CAGR) stands at +19.7%, indicating exceptional earnings growth. The company achieved its highest annual net income of $963M in fiscal 2018.
Bread Financial Holdings, Inc. maintains positive profitability with a gross margin of 63.3%, operating margin of 13.1%, and net margin of 11.0%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including SYF ($3.60B net income, 18.6% margin), COF ($2.45B net income, 3.5% margin), OMF ($796M net income, 12.5% margin), BFH has room to improve margins relative to the peer group. Compare BFH vs SYF →
BFH Earnings vs Peers
Earnings metrics vs comparable public companies
BFH Historical Earnings Data (1998–2025)
28 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $518M | +87.0% | $614M | $10.96 | 11.0% | 13.1% |
| 2024 | $277M | -61.4% | $381M | $5.50 | 5.8% | 7.9% |
| 2023 | $718M | +222.0% | $968M | $14.36 | 13.9% | 18.7% |
| 2022 | $223M | -72.2% | $300M | $4.46 | 5.1% | 6.9% |
| 2021 | $801M | +274.3% | $1.04B | $16.02 | 24.5% | 31.9% |
| 2020 | $214M | -23.0% | $888M | $4.46 | 6.5% | 26.9% |
| 2019 | $278M | -71.1% | $1.31B | $11.45 | 8.3% | 39.1% |
| 2018 | $963M | +22.1% | $1.76B | $17.48 | 17.0% | 31.0% |
| 2017 | $789M | +52.9% | $1.52B | $14.10 | 14.4% | 27.7% |
| 2016 | $516M | -13.5% | $1.27B | $7.34 | 7.2% | 17.7% |
| 2015 | $597M | +17.8% | $1.26B | $8.85 | 9.3% | 19.6% |
| 2014 | $506M | +2.0% | $1.10B | $7.87 | 9.5% | 20.7% |
| 2013 | $496M | +17.5% | $1.10B | $7.42 | 11.5% | 25.4% |
| 2012 | $422M | +33.9% | $974M | $6.58 | 11.6% | 26.8% |
| 2011 | $315M | +62.7% | $813M | $5.45 | 9.9% | 25.6% |
| 2010 | $194M | +34.8% | $629M | $3.48 | 6.9% | 22.5% |
| 2009 | $144M | -30.4% | $408M | $2.49 | 7.3% | 20.8% |
| 2008 | $206M | +25.8% | $461M | $2.80 | 10.2% | 22.7% |
| 2007 | $164M | -13.5% | $421M | $2.03 | 8.4% | 21.5% |
| 2006 | $190M | +36.7% | $373M | $2.32 | 11.4% | 22.5% |
| 2005 | $139M | +35.5% | $237M | $1.64 | 8.9% | 15.2% |
| 2004 | $102M | +52.1% | $172M | $1.22 | 8.1% | 13.7% |
| 2003 | $67M | +184.4% | $131M | $0.84 | 6.4% | 12.5% |
| 2002 | $24M | +328.3% | $74M | $0.31 | 2.7% | 8.6% |
| 2001 | -$10M | +51.4% | $51M | $-0.13 | -1.3% | 6.5% |
| 2000 | -$21M | +28.5% | $22M | $-0.45 | -3.1% | 3.2% |
| 1999 | -$30M | -65.9% | $2M | $-0.70 | -5.1% | 0.4% |
| 1998 | -$18M | - | $5M | $-0.43 | -4.4% | 1.3% |
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BFH — Frequently Asked Questions
Quick answers to the most common questions about buying BFH stock.
What is BFH earnings per share (EPS)?
BFH trailing twelve-month (TTM) diluted EPS is $11.26, reflecting +99.3% year-over-year growth. The 5-year EPS CAGR is +19.7%. Complete EPS history from 1998 to 2025 is available in the table on this page.
What is Bread Financial Holdings, Inc.'s net income?
Bread Financial Holdings, Inc. (BFH) trailing twelve-month net income is $518M as of 2025. Earnings grew +99.3% year-over-year. Bread Financial Holdings, Inc. has been profitable for 24 consecutive years.
Is BFH profitable?
Yes, BFH is profitable with a TTM net income of $518M and a net profit margin of +11.0%. Bread Financial Holdings, Inc. has generated profits for 24 consecutive years.
What is BFH's earnings growth rate?
BFH compound annual EPS growth rates (CAGR): 1-Year: +99.3%, 3-Year: +34.9%, 5-Year: +19.7%, 10-Year: +2.2%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1998 to 2025.
What are BFH's profit margins?
Bread Financial Holdings, Inc. net profit margin is +11.0%, operating margin is +13.1%, and gross margin is +63.3%. Margins are within a typical range for the sector. Return on Equity is +16.2%.
Is BFH growing earnings?
Yes, BFH earnings are accelerating — EPS growth of +99.3% exceeds the 5-year CAGR of +19.7%. TTM net income reached $518M. Earnings momentum is strengthening.
What was BFH's best earnings year?
Bread Financial Holdings, Inc.'s highest annual net income on record is $963M, achieved in fiscal year 2018. Earnings history on this page spans 1998 to 2025 and includes all annual and quarterly figures.
What were BFH's earnings last quarter?
BFH's most recent reported quarter was Q4 2025. Net income was $53M with diluted EPS of $1.16. For a full breakdown of all quarters, see the quarterly earnings table on this page.