Bread Financial Holdings, Inc. (BFH) Earnings History
Annual and quarterly earnings data from 1998 to 2025
Loading earnings history...
BFH EPS Growth (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.
BFH Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 63.3% | 13.1% | 11.0% |
| 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% |
Download Data
Export BFH earnings history in CSV or JSON format
Free sign-in required to download data
Bread Financial Holdings, Inc. (BFH) Earnings Overview
As of May 8, 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% |
See BFH's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs BFH Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare BFH vs BRK-A
Side-by-side business, growth, and profitability comparison vs Berkshire Hathaway Inc..
Start ComparisonBFH — Frequently Asked Questions
Quick answers to the most common questions about buying BFH stock.
Is BFH growing earnings?
BFH EPS is $11.26, with earnings growth accelerating to +99.3%. This exceeds the 5-year CAGR of +19.7%. TTM net income reached $518M.
What are BFH's profit margins?
Bread Financial Holdings, Inc. net margin is +11.0%, with operating margin at +13.1%. Margins sit within typical range for the sector.
How consistent are BFH's earnings?
BFH earnings data spans 1998-2025. The accelerating earnings trend is +99.3% YoY. Historical data enables comparison across business cycles.