Bread Financial Holdings, Inc. (BFH) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Sales/Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cost of Goods Sold | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| COGS % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 715M | 975M | 672M | 655M | 674M | 508M | 614M | 649M | 670M | 535M | 727M | 616M | 1.19B | 341M | 686M | 510M | 740M | 649.1M | 518M | 416.2M |
| Gross Margin % | 59.04% | 83.05% | 56.9% | 57.01% | 56.4% | 43.94% | 50.2% | 55% | 54.08% | 42.63% | 58.16% | 53.24% | 78.52% | 27.77% | 61.09% | 50.55% | 73.12% | 859.74% | 60.87% | 54.48% |
| Gross Profit Growth % | 6.08% | 91.93% | 9.45% | 0.92% | 0.6% | -5.05% | -15.54% | 5.36% | -43.6% | 56.89% | 5.98% | 20.78% | 60.54% | -47.47% | 32.43% | 22.54% | 54.59% | 64.45% | 14.42% | 16% |
| Operating Expenses | 472M | 928M | 476M | 481M | 477M | 535M | 574M | 469M | 482M | 517M | 502M | 530M | 550M | 549M | 497M | 494M | 438M | 278.9M | -113.1M | -305.5M |
| OpEx % of Revenue | 38.98% | 79.05% | 40.3% | 41.86% | 39.92% | 46.28% | 46.93% | 39.75% | 38.9% | 41.2% | 40.16% | 45.81% | 36.35% | 44.71% | 44.26% | 48.96% | 43.28% | 369.4% | -13.29% | -39.99% |
| Selling, General & Admin | 255M | 555M | 260M | 246M | 250M | 290M | 266M | 247M | 241M | 266M | 246M | 257M | 259M | 263M | 246M | 241M | 210M | 752.4M | 203M | 197M |
| SG&A % of Revenue | 21.06% | 47.27% | 22.02% | 21.41% | 20.92% | 25.09% | 21.75% | 20.93% | 19.45% | 21.2% | 19.68% | 22.21% | 17.12% | 21.42% | 21.91% | 23.89% | 20.75% | 996.56% | 23.85% | 25.79% |
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 243M | 47M | 196M | 174M | 197M | -27M | 40M | 180M | 188M | 18M | 225M | 86M | 638M | -208M | 189M | 16M | 302M | -12.8M | 382.8M | 473.3M |
| Operating Margin % | 20.07% | 4% | 16.6% | 15.14% | 16.49% | -2.34% | 3.27% | 15.25% | 15.17% | 1.43% | 18% | 7.43% | 42.17% | -16.94% | 16.83% | 1.59% | 29.84% | -16.95% | 44.98% | 61.95% |
| Operating Income Growth % | 23.35% | 274.07% | 390% | -3.33% | 4.79% | -250% | -82.22% | 109.3% | -70.53% | 108.65% | 19.05% | 437.5% | 111.26% | -1525% | -50.63% | -96.62% | -39.97% | -104.95% | 31.55% | 170.92% |
| EBITDA | 262M | 66M | 215M | 195M | 218M | -5M | 62M | 203M | 211M | 42M | 248M | 121M | 672M | -175M | 218M | 46M | 323M | 13M | 414.5M | 504.8M |
| EBITDA Margin % | 21.63% | 5.62% | 18.2% | 16.97% | 18.24% | -0.43% | 5.07% | 17.2% | 17.03% | 3.35% | 19.84% | 10.46% | 44.42% | -14.25% | 19.41% | 4.56% | 31.92% | 17.22% | 48.71% | 66.07% |
| EBITDA Growth % | 20.18% | 1420% | 246.77% | -3.94% | 3.32% | -111.9% | -75% | 67.77% | -68.6% | 124% | 13.76% | 163.04% | 108.05% | -1446.15% | -47.41% | -90.89% | -39.86% | -95.97% | 25.15% | 133.7% |
| D&A (Non-Cash Add-back) | 19M | 19M | 19M | 21M | 21M | 22M | 22M | 23M | 23M | 24M | 23M | 35M | 34M | 33M | 29M | 30M | 21M | 25.8M | 31.7M | 31.5M |
| EBIT | 243M | 47M | 196M | 174M | 197M | -27M | 40M | 180M | 188M | 18M | 225M | 86M | 638M | -208M | 189M | 16M | 302M | -12.8M | 290.7M | 371.6M |
| Net Interest Income | 1.07B | 1.05B | 1.03B | 974M | 1.01B | 987M | 1.04B | 987M | 1.05B | 1.07B | 1.08B | 992M | 1.12B | 1.13B | 1.08B | 978M | 989M | 933M | 903M | 815M |
| Interest Income | 1.26B | 1.25B | 1.24B | 1.19B | 1.23B | 1.22B | 1.28B | 1.23B | 1.3B | 1.31B | 1.3B | 1.2B | 1.33B | 1.32B | 1.22B | 1.07B | 1.07B | 1.02B | 994M | 915M |
| Interest Expense | 193M | 199M | 210M | 220M | 225M | 231M | 240M | 241M | 248M | 238M | 219M | 205M | 218M | 195M | 133M | 95M | 79M | 84M | 91M | 100M |
| Other Income/Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pretax Income | 243M | 47M | 196M | 174M | 197M | -27M | 40M | 180M | 188M | 18M | 225M | 86M | 638M | -208M | 189M | 16M | 302M | -12.8M | 259M | 354M |
| Pretax Margin % | 20.07% | 4% | 16.6% | 15.14% | 16.49% | -2.34% | 3.27% | 15.25% | 15.17% | 1.43% | 18% | 7.43% | 42.17% | -16.94% | 16.83% | 1.59% | 29.84% | -16.95% | 30.43% | 46.34% |
| Income Tax | 62M | -6M | 8M | 35M | 55M | -34M | 37M | 47M | 53M | -26M | 52M | 22M | 183M | -74M | 55M | 4M | 91M | -26.4M | 53M | 91M |
| Effective Tax Rate % | 25.51% | -12.77% | 4.08% | 20.11% | 27.92% | 125.93% | 92.5% | 26.11% | 28.19% | -144.44% | 23.11% | 25.58% | 28.68% | 35.58% | 29.1% | 25% | 30.13% | 206.25% | 20.46% | 25.71% |
| Net Income | 181M | 53M | 188M | 139M | 138M | 7M | 2M | 133M | 134M | 43M | 171M | 48M | 455M | -134M | 134M | 12M | 210M | 17.6M | 224M | 274M |
| Net Margin % | 14.95% | 4.51% | 15.92% | 12.1% | 11.55% | 0.61% | 0.16% | 11.27% | 10.82% | 3.43% | 13.68% | 4.15% | 30.07% | -10.91% | 11.93% | 1.19% | 20.75% | 23.31% | 26.32% | 35.86% |
| Net Income Growth % | 31.16% | 657.14% | 9300% | 4.51% | 2.99% | -83.72% | -98.83% | 177.08% | -70.55% | 132.09% | 27.61% | 300% | 116.67% | -861.36% | -40.18% | -95.62% | -26.57% | 46.67% | 68.04% | 613.54% |
| Net Income (Continuing) | 181M | 53M | 188M | 139M | 142M | 7M | 3M | 133M | 135M | 44M | 173M | 64M | 455M | -134M | 134M | 12M | 211M | 13.6M | 206M | 263M |
| Discontinued Operations | 0 | 0 | 0 | 0 | -1000K | 0 | -1000K | 0 | -1000K | -1000K | -1000K | -1000K | 0 | 0 | 0 | 0 | -1000K | 0 | 1000K | 1000K |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 4.15 | 1.16 | 3.96 | 2.94 | 2.78 | 0.14 | 0.04 | 2.65 | 2.70 | 0.87 | 3.41 | 0.95 | 9.08 | -2.69 | 2.69 | 0.24 | 4.20 | 0.27 | 4.47 | 5.47 |
| EPS Growth % | 49.28% | 728.57% | 10002.04% | 10.94% | 2.96% | -83.91% | -98.85% | 178.95% | -70.26% | 132.34% | 26.77% | 295.83% | 116.19% | -1096.3% | -39.82% | -95.61% | -26.83% | 8% | 60.22% | 575.31% |
| EPS (Basic) | 4.18 | 1.18 | 4.04 | 2.98 | 2.81 | 0.14 | 0.04 | 2.68 | 2.71 | 0.87 | 3.43 | 0.96 | 9.10 | -2.69 | 2.69 | 0.24 | 4.21 | 0.27 | 4.50 | 5.50 |
| Diluted Shares Outstanding | 43.2M | 46M | 47.5M | 47.2M | 49.6M | 50.4M | 51M | 50.2M | 49.7M | 49.6M | 50.1M | 50.3M | 50.1M | 49.9M | 49.9M | 49.9M | 50M | 50M | 50M | 50M |
| Basic Shares Outstanding | 42.8M | 44.9M | 46.5M | 46.7M | 49M | 49.6M | 49.7M | 49.6M | 49.5M | 49.3M | 49.9M | 50.1M | 50M | 49.9M | 49.8M | 49.8M | 49.9M | 49.8M | 49.8M | 49.7M |
| Dividend Payout Ratio | 7.73% | 20.75% | 4.79% | 7.19% | 8.7% | 157.14% | 500% | 8.27% | 8.21% | 23.26% | 6.43% | 20.83% | 2.42% | - | 7.46% | 100% | 4.76% | 62.5% | 4.46% | 3.65% |