Company / Cost of Revenue
Bread Financial Holdings, Inc. Cost of Revenue History
FY2016-FY2020 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Cost of Revenue
$2.1B
FY2020
5-year range
-
FY2016-FY2020
Trend
-22.7%
vs FY2019
Sector context
#8 of 38
Financials
What the data says
Bread Financial Holdings, Inc.'s cost of revenue of $2.1B is higher than 79% of companies in the Financials sector (FY2020). Improved from $2.5B to $2.1B over the past 2 years.
Based on SEC 10-K filings.
$2.1B in FY2020 with a 3-year CAGR of -5.6%. Top quartile in the Financials sector.
Improved from $2.5B to $2.1B over the past 2 years.
Financials sector context is included.
Cost of Revenue over time
Growth rates
- 3-Year CAGR
- -5.6%
- 5-Year CAGR
- -
- 10-Year CAGR
- -
Sector benchmark
Bottom 21% in FinancialsTop 79% of 38This company $2.1B Sector average $1.3B
▼
+63.0% above sector average
Key checks
Key Insights
- 3-year CAGR of -5.6%, indicating a declining trend.
- In FY2020, cost of revenue decreased 22.7% year-over-year.
- Ranks #8 out of 38 companies in the Financials sector.
- Peak cost of revenue was recorded in FY2016.
Company context
Key Data Points
- Altman Z-Score 0.30 (distress zone, below 1.8 threshold)
- High earnings quality (cash-backed earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | Cost of RevenueValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | - | - |
| FY2024 | - | - |
| FY2023 | - | - |
| FY2022 | - | - |
| FY2021 | - | - |
| FY2020 | $2.1B | -22.7% |
| FY2019 | $2.7B | +5.9% |
| FY2018 | $2.5B | +2.7% |
| FY2017 | $2.5B | -42.3% |
| FY2016 | $4.3B | +12.1% |
As of FY2020 · SEC 10-K · Updated Mar 28, 2026