Bread Financial Holdings, Inc. (BFH) quarterly income statement — complete revenue, gross profit & net income history
Bread Financial Holdings, Inc. (BFH) annual income statement — 28-year revenue, gross profit & net income history
| Metric | Q3'26 | Q2'26 | 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 |
|---|
| Net Interest Income | 1.09B | 1.04B | 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 |
| NII Growth % | 6.1% | 6.67% | 6.06% | 6.08% | -0.48% | -1.32% | -4.37% | -8.19% | -4.16% | -0.5% | -5.82% | -4.87% | -0.28% | 1.43% | 12.94% | 21.11% | 20.16% | 20% | 18.44% | 3273.47% |
| Net Interest Margin % | 4.7% | 4.63% | 4.78% | 4.62% | 4.75% | 4.46% | 4.49% | 4.31% | 4.77% | 4.46% | 4.72% | 4.65% | 5.01% | 4.59% | 5.08% | 4.45% | 4.94% | 4.48% | 4.72% | 4.29% |
| Interest Income | 1.29B | 1.23B | 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 |
| Interest Expense | 199M | 195M | 193M | 199M | 210M | 220M | 225M | 231M | 240M | 241M | 248M | 238M | 219M | 205M | 218M | 195M | 133M | 95M | 79M | 84M |
| Loan Loss Provision | 321M | 313M | 303M | 0 | 299M | 274M | 296M | 417M | 369M | 290M | 321M | 482M | 304M | 336M | 107M | 692M | 304M | 404M | 193M | -190.6M |
| Non-Interest Income | -78M | -46M | -49M | -72M | -61M | -45M | -36M | -62M | -54M | -48M | -61M | -58M | -51M | -40M | 178M | -97M | -95M | -64M | -56M | -857.5M |
| Non-Interest Income % | -7.67% | -4.63% | -4.81% | -7.38% | -6.28% | -4.84% | -3.71% | -6.7% | -5.49% | -5.11% | -6.16% | -5.7% | -4.95% | -4.2% | 13.75% | -9.39% | -9.6% | -7% | -6% | -1135.76% |
| Total Net Revenue | 1.02B | 993M | 1.02B | 975M | 971M | 929M | 970M | 925M | 983M | 939M | 991M | 1.02B | 1.03B | 952M | 1.29B | 1.03B | 990M | 914M | 933M | 75.5M |
| Revenue Growth % | 4.74% | 6.89% | 4.95% | 5.41% | -1.22% | -1.06% | -2.12% | -9.05% | -4.66% | -1.37% | -23.47% | -1.55% | 4.14% | 4.16% | 38.8% | 1268.21% | 30.26% | 37.65% | 34.24% | -93.01% |
| Non-Interest Expense | 487M | 483M | 472M | 928M | 476M | 481M | 477M | 535M | 574M | 469M | 482M | 517M | 502M | 530M | 550M | 549M | 497M | 494M | 438M | 278.9M |
| Efficiency Ratio | 47.89% | 48.64% | 46.37% | 95.18% | 49.02% | 51.78% | 49.18% | 57.84% | 58.39% | 49.95% | 48.64% | 50.84% | 48.69% | 55.67% | 42.47% | 53.15% | 50.2% | 54.05% | 46.95% | 369.4% |
| Operating Income | 209M | 197M | 243M | 47M | 196M | 174M | 197M | -27M | 40M | 180M | 188M | 18M | 225M | 86M | 638M | -208M | 189M | 16M | 302M | -12.8M |
| Operating Margin % | 20.55% | 19.84% | 23.87% | 4.82% | 20.19% | 18.73% | 20.31% | -2.92% | 4.07% | 19.17% | 18.97% | 1.77% | 21.82% | 9.03% | 49.27% | -20.14% | 19.09% | 1.75% | 32.37% | -16.95% |
| Operating Income Growth % | 6.63% | 13.22% | 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% |
| Pretax Income | 209M | 197M | 243M | 47M | 196M | 174M | 197M | -27M | 40M | 180M | 188M | 18M | 225M | 86M | 638M | -208M | 189M | 16M | 302M | -12.8M |
| Pretax Margin % | 20.55% | 19.84% | 23.87% | 4.82% | 20.19% | 18.73% | 20.31% | -2.92% | 4.07% | 19.17% | 18.97% | 1.77% | 21.82% | 9.03% | 49.27% | -20.14% | 19.09% | 1.75% | 32.37% | -16.95% |
| Income Tax | 53M | 51M | 62M | -6M | 8M | 35M | 55M | -34M | 37M | 47M | 53M | -26M | 52M | 22M | 183M | -74M | 55M | 4M | 91M | -26.4M |
| Effective Tax Rate % | 25.36% | 25.89% | 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% |
| Net Income | 156M | 146M | 181M | 53M | 188M | 139M | 138M | 7M | 2M | 133M | 134M | 43M | 171M | 48M | 455M | -134M | 134M | 12M | 210M | 17.6M |
| Net Margin % | 15.34% | 14.7% | 17.78% | 5.44% | 19.36% | 14.96% | 14.23% | 0.76% | 0.2% | 14.16% | 13.52% | 4.23% | 16.59% | 5.04% | 35.14% | -12.97% | 13.54% | 1.31% | 22.51% | 23.31% |
| Net Income Growth % | -17.02% | 5.04% | 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% |
| Net Income (Continuing) | 156M | 146M | 181M | 53M | 188M | 139M | 142M | 7M | 3M | 133M | 135M | 44M | 173M | 64M | 455M | -134M | 134M | 12M | 211M | 13.6M |
| EPS (Diluted) | 3.82 | 3.55 | 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 |
| EPS Growth % | -3.54% | 20.75% | 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% |
| EPS (Basic) | 3.92 | 3.61 | 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 |
| Diluted Shares Outstanding | 39.3M | 40.7M | 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 |