Bread Financial Holdings, Inc. (BFH) Revenue History
Annual and quarterly revenue from 2014 to 2025
Compound Annual Growth Rate (CAGR)
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BFH Revenue Growth
Revenue Breakdown (FY 2020)
BFH's revenue distribution by segment and geography for fiscal year 2020
By Product/Segment
By Geography
BFH Revenue Analysis (2014–2025)
As of May 8, 2026, Bread Financial Holdings, Inc. (BFH) generated trailing twelve-month (TTM) revenue of $4.70 billion, reflecting modest growth of +1.6% year-over-year. The most recent quarter (Q4 2025) recorded $1.17 billion in revenue, down 0.6% sequentially.
Looking at the longer-term picture, BFH's 5-year compound annual growth rate (CAGR) stands at +7.3%, indicating steady revenue expansion. The company achieved its highest annual revenue of $7.14 billion in 2016.
Revenue diversification analysis shows BFH's business 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 maintains significant focus in this area while developing other growth vectors.
When compared to Financial Services sector peers including SYF, COF, and OMF. 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 | $4.7B | +1.6% | +7.3% | 13.1% | |
 SYF | $19.1B | - | - | 24.2% | |
 COF | $69.3B | - | - | 3.3% | |
 OMF | $6.2B | - | - | 16.0% | |
 ALLY | $12.2B | - | - | 8.6% | |
 CACC | $2.3B | - | - | 47.6% |
BFH Historical Revenue Data (2014–2025)
| Year | Revenue | YoY % | Gross Profit | Gross Margin | Op. Income | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $4.70B | - | $2.98B | 63.3% | $614.0M | 13.1% |
| 2024 | $4.80B | - | $2.44B | 50.9% | $381.0M | 7.9% |
| 2023 | $5.17B | - | $3.07B | 59.3% | $968.0M | 18.7% |
| 2022 | $4.37B | - | $2.28B | 52.0% | $300.0M | 6.9% |
| 2021 | $3.27B | - | $2.06B | 63.1% | $1.04B | 31.9% |
| 2020 | $3.30B | - | $1.95B | 59.1% | $888.4M | 26.9% |
| 2019 | $3.35B | - | $2.32B | 69.4% | $1.31B | 39.1% |
| 2018 | $5.67B | - | $2.59B | 45.7% | $1.76B | 31.0% |
| 2017 | $5.47B | - | $2.55B | 46.6% | $1.52B | 27.7% |
| 2016 | $7.14B | - | $2.43B | 34.1% | $1.27B | 17.7% |
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Start ComparisonBFH — 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 slowed to +1.6%, below the 5-year CAGR of +7.3%. TTM revenue is $4.7B. The deceleration marks a shift from historical growth rates.
What is BFH's long-term revenue growth rate?
Bread Financial Holdings, Inc.'s 5-year revenue CAGR of +7.3% reflects the variable expansion pattern. Current YoY growth of +1.6% is near this long-term average.
How is BFH's revenue distributed by segment?
BFH reports revenue by product line and geographic region. Annual and quarterly breakdowns from 2014-2025 are available for download. Segment mix reveals concentration and diversification trends.