Bread Financial Holdings, Inc. (BFH) Earnings History
Annual and quarterly earnings data from 1998 to 2024
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EPS Growth Rates (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 50.9% | 7.9% | 5.8% |
| 2023 | 59.3% | 18.7% | 13.9% |
| 2022 | 52.0% | 6.9% | 5.1% |
| 2021 | 63.1% | 31.9% | 24.5% |
| 2020 | 59.1% | 26.9% | 6.5% |
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Bread Financial Holdings, Inc. (BFH) Earnings Overview
As of February 28, 2026, Bread Financial Holdings, Inc. (BFH) reported trailing twelve-month net income of $472M, reflecting -0.6% year-over-year growth. The company earned $9.94 per diluted share over the past four quarters, with a net profit margin of 0.1%.
Looking at the long-term picture, BFH's 5-year EPS compound annual growth rate (CAGR) stands at -13.6%, signaling declining earnings. 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 0.5%, operating margin of 0.1%, and net margin of 0.1%. The company continues to generate positive earnings from operations. View revenue history →
Compared to industry peers including COF ($1.42B net income, 0.1% margin), SYF ($3.58B net income, 0.2% margin), SYF-PB ($3.58B net income, 0.2% margin), BFH has room to improve margins relative to the peer group. Compare BFH vs COF →
Peer Comparison
Earnings metrics vs industry competitors
Historical Data
27 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 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% |
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Start ComparisonFrequently Asked Questions
Is BFH growing earnings?
BFH EPS of $9.94 reflects slowing growth at -0.6%, below the 5-year CAGR of -13.6%. TTM net income is $472M. Expansion rate has moderated.
What are BFH's profit margins?
Bread Financial Holdings, Inc. net margin is +0.1%, with operating margin at +0.1%. Below-average margins reflect competitive or cost pressures.
How consistent are BFH's earnings?
BFH earnings data spans 1998-2024. The current earnings trend is -0.6% YoY. Historical data enables comparison across business cycles.