Bread Financial Holdings, Inc. (BFH) Revenue History
Annual and quarterly revenue from 1998 to present
BFH Revenue Over Time (1998–2025)
BFH Revenue Growth History
22 of 27 years with positive growth- FY1998 revenue growth
- N/A
- FY1999 revenue growth
- +41.9%
- FY2000 revenue growth
- +16.3%
- FY2001 revenue growth
- +14.1%
- FY2002 revenue growth
- +11.8%
- FY2003 revenue growth
- +20.9%
- FY2004 revenue growth
- +20.4%
- FY2005 revenue growth
- +23.5%
- FY2006 revenue growth
- +6.4%
- FY2007 revenue growth
- +18.4%
- FY2008 revenue growth
- -0.1%
- FY2009 revenue growth
- -5.8%
- FY2010 revenue growth
- +43.8%
- FY2011 revenue growth
- +13.8%
- FY2012 revenue growth
- +14.7%
- FY2013 revenue growth
- +19.3%
- FY2014 revenue growth
- +25.0%
- FY2015 revenue growth
- +21.1%
- FY2016 revenue growth
- +10.5%
- FY2017 revenue growth
- -23.4%
- FY2018 revenue growth
- +3.9%
- FY2019 revenue growth
- -129.2%
- FY2020 revenue growth
- +274.0%
- FY2021 revenue growth
- +3.1%
- FY2022 revenue growth
- +34.0%
- FY2023 revenue growth
- +11.0%
- FY2024 revenue growth
- -10.6%
- FY2025 revenue growth
- +0.2%
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.02B | +4.7% |
| Q2 2026 | $993.0M | +6.9% |
| Q1 2026 | $1.02B | +4.9% |
| Q4 2025 | $975.0M | +5.4% |
| Q3 2025 | $971.0M | -1.2% |
| Q2 2025 | $929.0M | -1.1% |
| Q1 2025 | $970.0M | -2.1% |
| Q4 2024 | $925.0M | -9.0% |
Multi-year avg. share of annual revenue by fiscal quarter
Revenue Breakdown (FY 2020)
BFH's revenue distribution by segment and geography for fiscal year 2020
By Product/Segment
By Geography
BFH Revenue Analysis (1998–2025)
Current Revenue & Growth
As of November 8, 2026, Bread Financial Holdings, Inc. (BFH) generated trailing twelve-month (TTM) revenue of $4.00 billion, reflecting modest growth of +4.7% year-over-year. The most recent quarter (Q3 2026) recorded $1.02 billion in revenue, up 2.4% sequentially.
Historical Growth Trajectory
BFH's 5-year compound annual growth rate (CAGR) stands at +6.6%, indicating steady revenue expansion. The 3-year CAGR of -0.2% is below the 5-year average, signalling a growth deceleration in recent years. Bread Financial Holdings, Inc.'s highest annual revenue of $6.92 billion was recorded in 2016.
Revenue by Segment
BFH's revenue is primarily driven by Short Term Loyalty Programs (84%), Coalition Loyalty Program (45%), and Other (0%). With over half of revenue concentrated in Short Term Loyalty Programs, the company has a focused business model while developing other growth vectors.
Peer Comparison
Compared to Financial Services sector peers — including SYF (+0.3% YoY), COF (+30.2% YoY), and OMF (+7.0% YoY) — BFH has underperformed the peer group in revenue growth. Compare BFH vs SYF →
BFH Revenue vs Peers
Revenue metrics vs comparable public companies
| Company | TTM Revenue | YoY Growth | 5Y CAGR | Op. Margin | Compare |
|---|---|---|---|---|---|
| BFHCurrent | $4.0B | +4.7% | +6.6% | 16.0% | |
 SYF | $15.0B | +0.3% | +6.1% | 30.8% | |
 COF | $53.4B | +30.2% | +13.4% | 4.3% | |
 OMF | $5.0B | +7.0% | +4.9% | 20.1% | |
 ALLY | $5.7B | +14.6% | -5.1% | 18.3% | |
 CACC | $1.9B | -16.1% | +2.2% | 59.5% |
BFH Historical Revenue Data (1998–2025)
| Year | Revenue | YoY % | Gross Profit | Gross Margin | Op. Income | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $3.85B | +0.2% | $2.98B | 77.4% | $614.0M | 16.0% |
| 2024 | $3.84B | -10.6% | $2.44B | 63.6% | $381.0M | 9.9% |
| 2023 | $4.29B | +11.0% | $3.07B | 71.4% | $968.0M | 22.5% |
| 2022 | $3.87B | +34.0% | $2.28B | 58.8% | $300.0M | 7.8% |
| 2021 | $2.89B | +3.1% | $1.68B | 58.1% | $1.04B | 36.2% |
| 2020 | $2.80B | +274.0% | $1.95B | 69.7% | $888.4M | 31.7% |
| 2019 | $-1,609,000,000 | -129.2% | $2.32B | -144.5% | $1.31B | -81.3% |
| 2018 | $5.51B | +3.9% | $2.59B | 47.0% | $1.76B | 31.9% |
| 2017 | $5.30B | -23.4% | $2.55B | 48.1% | $1.52B | 28.6% |
| 2016 | $6.92B | +10.5% | $2.43B | 35.2% | $1.27B | 18.3% |
| 2015 | $6.26B | +21.1% | $2.30B | 36.7% | $1.26B | 20.2% |
| 2014 | $5.17B | +25.0% | $1.82B | 35.3% | $1.10B | 21.2% |
| 2013 | $4.14B | +19.3% | $1.46B | 35.4% | $1.10B | 26.6% |
| 2012 | $3.47B | +14.7% | $1.24B | 35.9% | $974.4M | 28.1% |
| 2011 | $3.02B | +13.8% | $1.06B | 35.1% | $812.7M | 26.9% |
BFH Chart Terminal
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Live Breakouts Feed
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Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
28+ years return with dividends reinvested.
Peer Comparison
Compare growth, multiples, and margins vs sector.
BFH — Frequently Asked Questions
Quick answers to the most common questions about buying BFH stock.
Is BFH's revenue growth accelerating or slowing?
BFH revenue growth is slowing. TTM revenue is $4.0B, up +4.7% year-over-year — below the 5-year CAGR of +6.6%. The deceleration suggests maturing end-markets or increased competition.
What is BFH's revenue history from 1998 to 2026?
Bread Financial Holdings, Inc. (BFH) revenue history spans 1998 to 2026. TTM revenue as of 2026 is $4.0B, growing at +4.7% YoY. The 5-year CAGR is +6.6%. Complete annual and quarterly revenue figures are available on this page, including gross profit, operating income, and margin trends.
What is BFH's long-term revenue growth rate (CAGR)?
Bread Financial Holdings, Inc.'s 5-year revenue CAGR of +6.6% reflects the variable nature of its business expansion. As of 2026, the current YoY growth rate of +4.7% is below this long-term average. CAGR is the most reliable measure of sustained revenue momentum for BFH.
Why does BFH's quarterly revenue fluctuate?
BFH quarterly revenue can fluctuate significantly between periods. A quarter-over-quarter (QoQ) change does not always indicate a trend; comparing the same quarter year-over-year (YoY) is a more reliable signal for underlying growth. Bread Financial Holdings, Inc.'s revenue data from 1998 to 2026 shows full historical quarterly detail on this page.
How is BFH's revenue distributed by segment?
BFH reports revenue broken down by product line and geographic region. The segment breakdown on this page shows which business units contribute the most to total revenue as of the latest fiscal year. Concentration in a single segment above 50% indicates category dependence, while a diversified mix signals more resilient revenue streams.
How does BFH's revenue compare to industry peers?
Bread Financial Holdings, Inc. (BFH) with TTM revenue of $4.0B and +4.7% YoY growth can be benchmarked against sector peers using the comparison table on this page. Revenue growth relative to peers indicates market share gains or losses. The peer section shows TTM revenue, YoY growth, and operating margin for direct comparisons.