Bread Financial Financial Statements
NYSE: BFHConsumer DiscretionaryBusiness ServicesUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Bread Financial revenue and earnings
In fiscal 2025, Bread Financial generated $3.85 billion in revenue, up 0.2% from fiscal 2024. Net income was $518.0 million (+87.0% year over year), for a net margin of 13.5% versus a median of 7.2% in the prior 5 years. Diluted earnings per share came in at $10.89, up from $5.49.
Over the last 5 fiscal years, BFH's revenue has grown at a -3.2% compound annual rate (a contraction).
Summary generated from market data by MetaCap's automated system. Methodology
Bread Financial income statement (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3.85B | 3.84B | 4.29B | 3.83B | 3.27B | 4.52B | 5.58B | 5.67B | 5.47B | 7.14B |
| Revenue growth (YoY) | +0.18% | -10.52% | +12.10% | +16.93% | -27.63% | -18.99% | -1.51% | +3.51% | -23.30% | +10.85% |
| Cost of Revenue | — | — | — | — | — | 2.08B | 2.69B | 2.54B | 2.47B | 4.28B |
| Gross Profit | — | — | — | — | — | 2.44B | 2.89B | 3.13B | 3.01B | 2.86B |
| Operating Expenses | 1.99B | 2.06B | 2.09B | 1.93B | 1.68B | 1.73B | 2.20B | 1.37B | 1.49B | 1.60B |
| Operating Income | — | — | — | — | — | 301.00M | 662.00M | 1.76B | 1.52B | 1.27B |
| Interest Expense | 854.00M | 960.00M | 879.00M | 503.00M | 383.00M | 499.00M | 638.00M | 542.30M | 455.40M | 428.50M |
| Pretax Income | 615.00M | 381.00M | 968.00M | 300.00M | 1.04B | 301.00M | 662.00M | 1.22B | 1.06B | 837.00M |
| Income Tax | 94.00M | 102.00M | 231.00M | 76.00M | 247.00M | 93.00M | 156.00M | 269.50M | 293.30M | 319.40M |
| Net Income | 518.00M | 277.00M | 718.00M | 223.00M | 801.00M | 214.00M | 278.00M | 963.10M | 788.70M | 517.60M |
| Net Income growth (YoY) | +87.00% | -61.42% | +221.97% | -72.16% | +274.30% | -23.02% | -71.13% | +22.11% | +52.38% | -14.50% |
| EPS (Basic) | 11.07 | 5.58 | 14.39 | 4.47 | 16.09 | 4.47 | 5.38 | 17.56 | 14.17 | 7.37 |
| EPS (Diluted) | 10.89 | 5.49 | 14.34 | 4.46 | 16.02 | 4.46 | 5.46 | 17.49 | 14.10 | 7.34 |
| Shares Outstanding (Basic) | 46.80M | 49.60M | 49.80M | 49.90M | 49.70M | 47.80M | 50.00M | 54.90M | 55.70M | 58.60M |
| Shares Outstanding (Diluted) | 47.60M | 50.40M | 50.00M | 50.00M | 50.00M | 47.90M | 50.90M | 55.10M | 55.90M | 58.90M |
| EBITDA | — | — | — | — | — | 485.00M | 911.00M | 2.24B | 2.02B | 1.78B |
| Gross Margin | — | — | — | — | — | 54.06% | 51.84% | 55.23% | 54.89% | 40.08% |
| Operating Margin | — | — | — | — | — | 6.66% | 11.86% | 31.01% | 27.73% | 17.73% |
| Net Margin | 13.47% | 7.22% | 16.74% | 5.83% | 24.48% | 4.73% | 4.98% | 17.00% | 14.41% | 7.25% |
This table shows 10 annual periods of Bread Financial's income statement, from FY 2025 back to FY 2016, across 17 line items including revenue, cost of revenue, gross profit. Values in USD; B = billions, M = millions. Fiscal periods follow BFH's reporting calendar. What is a income statement?