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Bread Financial Holdings, Inc. (BFH)
Financial Services · Credit Services · NYSE
Bread Financial Holdings, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $7.14B | $5.47B | $5.67B | $5.58B | $4.52B | $0 | $3.83B | $4.29B | $3.84B | $3.85B |
| Gross profit | $2.86B | $3.01B | $3.13B | $2.89B | $2.44B | — | — | — | — | — |
| Net income | $517.60M | $788.70M | $963.10M | $278.00M | $214.00M | $801.00M | $223.00M | $718.00M | $277.00M | $518.00M |
| Net margin | 7.3% | 14.4% | 17.0% | 5.0% | 4.7% | — | 5.8% | 16.7% | 7.2% | 13.5% |
Source: Bread Financial Holdings, Inc. SEC filings (10-K). 18 years of history available in the interactive view.
Explore 18 years of Bread Financial Holdings, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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About Bread Financial Holdings, Inc.
Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.
Bread Financial Holdings, Inc. — frequently asked questions
What is Bread Financial Holdings, Inc.'s revenue?
Bread Financial Holdings, Inc. (BFH) reported revenue of $3.85B for fiscal year 2025, up 0.2% from the prior year, according to its SEC filings.
Is Bread Financial Holdings, Inc. profitable?
Yes. BFH earned net income of $518.00M in fiscal 2025, a net margin of 13.5%.
What is BFH's P/E ratio?
Bread Financial Holdings, Inc. trades at a price-to-earnings ratio of about 7.9 based on the latest data in our nightly-refreshed cache.
How fast is Bread Financial Holdings, Inc. growing?
BFH's revenue grew at roughly -3.2% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
Where does this data come from?
All figures are computed from Bread Financial Holdings, Inc.'s official SEC filings (10-K and 10-Q), covering 18 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.