Bread Financial Quarterly Income Statement
NYSE: BFHConsumer DiscretionaryBusiness ServicesUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Bread Financial revenue and earnings
In the quarter ended Jun 30, 2026, Bread Financial generated $993.0 million in revenue, up 6.9% from the same quarter a year earlier. Net income was $146.0 million (+5.0% year over year), for a net margin of 14.7% versus a median of 15.0% in the prior 5 quarters. Diluted earnings per share came in at $3.55, up from $2.94.
Summary generated from market data by MetaCap's automated system. Methodology
Bread Financial income statement (quarterly)
| Quarter (USD) | Q2 20262026-06-30 | Q1 20262026-03-31 | Q4 20252025-12-31 | Q3 20252025-09-30 | Q2 20252025-06-30 | Q1 20252025-03-31 | Q4 20242024-12-31 | Q3 20242024-09-30 | Q2 20242024-06-30 | Q1 20242024-03-31 | Q4 20232023-12-31 | Q3 20232023-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 993.00M | 1.02B | 975.00M | 971.00M | 929.00M | 970.00M | 925.00M | 983.00M | 939.00M | 991.00M | 1.02B | 1.03B |
| Revenue growth (YoY) | +6.89% | +4.95% | +5.41% | -1.22% | -1.06% | -2.12% | -8.96% | -4.66% | -1.37% | -23.12% | -1.65% | +5.31% |
| Operating Expenses | 483.00M | 472.00M | 555.00M | 476.00M | 481.00M | 477.00M | 535.00M | 574.00M | 469.00M | 482.00M | 516.00M | 502.00M |
| Interest Expense | 195.00M | 193.00M | 199.00M | 210.00M | 220.00M | 225.00M | 231.00M | 240.00M | 241.00M | 248.00M | 238.00M | 219.00M |
| Pretax Income | 197.00M | 243.00M | 47.00M | 196.00M | 174.00M | 197.00M | -27.00M | 40.00M | 180.00M | 188.00M | 18.00M | 225.00M |
| Income Tax | 51.00M | 62.00M | -6.00M | 8.00M | 35.00M | 55.00M | -34.00M | 37.00M | 47.00M | 53.00M | -26.00M | 52.00M |
| Net Income | 146.00M | 181.00M | 54.00M | 188.00M | 139.00M | 138.00M | 7.00M | 2.00M | 133.00M | 134.00M | 43.00M | 171.00M |
| Net Income growth (YoY) | +5.04% | +31.16% | +671.43% | +9300.00% | +4.51% | +2.99% | -83.72% | -98.83% | +177.08% | -70.55% | — | +27.61% |
| EPS (Basic) | 3.62 | 4.19 | 1.25 | 4.04 | 2.97 | 2.81 | 0.13 | 0.05 | 2.69 | 2.71 | 0.90 | 3.44 |
| EPS (Diluted) | 3.55 | 4.15 | 1.21 | 3.96 | 2.94 | 2.78 | 0.08 | 0.05 | 2.66 | 2.70 | 0.89 | 3.42 |
| Shares Outstanding (Basic) | 39.90M | 42.80M | — | 46.50M | 46.70M | 49.00M | — | 49.70M | 49.60M | 49.50M | — | 49.90M |
| Shares Outstanding (Diluted) | 40.70M | 43.20M | — | 47.50M | 47.20M | 49.60M | — | 51.00M | 50.20M | 49.70M | — | 50.10M |
| Net Margin | 14.70% | 17.78% | 5.54% | 19.36% | 14.96% | 14.23% | 76.00% | 20.00% | 14.16% | 13.52% | 4.23% | 16.59% |
This table shows 12 quarterly periods of Bread Financial's income statement, from Q2 2026 back to Q3 2023, 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?