Bread Financial Holdings, Inc. Income Statement

BFH / Financials|15 years of annual SEC 10-K data (FY2011-FY2025)

Line items include revenue, cost of goods sold, gross profit, operating expenses, interest, taxes, and net income with per-share data across 15 fiscal years. All figures from audited SEC 10-K filings.

Bread Financial Holdings, Inc. reported $3.8B in revenue and $518M in net income for FY2025. Revenue has grown at a 1.4% compound annual rate over the past 14 years.

Based on SEC 10-K filings.

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.

Item	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014	FY2013	FY2012	FY2011
Revenue	$3.8B	$3.8B	$4.3B	$3.8B	$3.3B	$1.4B	$5.6B	$5.7B	$5.5B	$7.1B	$6.4B	$5.3B	$4.3B	$3.6B	$3.2B
Cost of Revenue	-	-	-	-	-	$2.1B	$2.7B	$2.5B	$2.5B	$4.3B	$3.8B	$3.2B	$2.5B	$2.1B	$1.8B
SG&A Expense	-	-	-	-	-	$105.7M	$150.6M	$162.5M	$159.3M	$143.2M	$138.5M	$141.5M	$109.1M	$108.1M	$95.3M
Operating Income	-	-	-	-	-	$301.0M	$662.0M	$1.8B	$1.5B	$1.3B	$1.3B	$1.1B	$1.1B	$974.4M	$812.7M
Interest Expense	-	$4.1B	$4.3B	$4.2B	$383.0M	$499.0M	$638.0M	$542.3M	$455.4M	$428.5M	$330.2M	$260.5M	$305.5M	$291.5M	$298.6M
Income Tax	$94.0M	$102.0M	$231.0M	$76.0M	$247.0M	$93.0M	$156.0M	$269.5M	$293.3M	$319.4M	$326.2M	$321.8M	$297.2M	$260.6M	$198.8M
Net Income	$518.0M	$277.0M	$718.0M	$223.0M	$801.0M	$214.0M	$278.0M	$963.1M	$788.7M	$517.6M	$605.4M	$516.1M	$496.2M	$422.3M	-
EPS (Basic)	$14.39	$5.58	$14.39	$4.47	$5.38	$17.56	$14.17	$7.37	$8.91	$8.72	$10.09	$8.44	$6.22	$3.69	$2.58
EPS (Diluted)	$14.34	$5.49	$14.34	$4.46	$5.46	$17.49	$14.10	$7.34	$8.85	$7.87	$7.42	$6.58	$5.45	$3.48	$2.49
Shares Outstanding	49.1M	50.4M	50.0M	50.0M	50.9M	55.1M	55.9M	58.9M	62.3M	62.4M	66.9M	64.1M	57.8M	55.7M	57.7M
Operating Margin	-	-	-	-	-	21.8%	11.9%	31.0%	27.7%	17.7%	19.6%	20.7%	25.4%	26.8%	25.6%
Profit Margin	13.5%	7.2%	16.7%	5.8%	24.5%	15.5%	5.0%	17.0%	14.4%	7.2%	9.4%	9.7%	11.5%	11.6%	-

Other Financial Statements

Balance Sheet Cash Flow Statement All Financial Data

Scores & Analysis

Piotroski F-Score Altman Z-Score Financial Ratios

Bread Financial Holdings, Inc. Profile All Financial Data

Item

FY2025

FY2024

FY2023

FY2022

FY2021

FY2020

FY2019

FY2018

FY2017

FY2016

FY2015

FY2014

FY2013

FY2012

FY2011

Revenue

$3.8B

$4.3B

$3.8B

$3.3B

$1.4B

$5.6B

$5.7B

$5.5B

$7.1B

$6.4B

$5.3B

$4.3B

$3.6B

$3.2B

Cost of Revenue

$2.1B

$2.7B

$2.5B

$4.3B

$3.8B

$3.2B

$2.5B

$2.1B

$1.8B

SG&A Expense

$105.7M

$150.6M

$162.5M

$159.3M

$143.2M

$138.5M

$141.5M

$109.1M

$108.1M

$95.3M

Operating Income

$301.0M

$662.0M

$1.8B

$1.5B

$1.3B

$1.1B

$974.4M

$812.7M

Interest Expense

$4.1B

$4.3B

$4.2B

$383.0M

$499.0M

$638.0M

$542.3M

$455.4M

$428.5M

$330.2M

$260.5M

$305.5M

$291.5M

$298.6M

Income Tax

$94.0M

$102.0M

$231.0M

$76.0M

$247.0M

$93.0M

$156.0M

$269.5M

$293.3M

$319.4M

$326.2M

$321.8M

$297.2M

$260.6M

$198.8M

Net Income

$518.0M

$277.0M

$718.0M

$223.0M

$801.0M

$214.0M

$278.0M

$963.1M

$788.7M

$517.6M

$605.4M

$516.1M

$496.2M

$422.3M

EPS (Basic)

$14.39

$5.58

$14.39

$4.47

$5.38

$17.56

$14.17

$7.37

$8.91

$8.72

$10.09

$8.44

$6.22

$3.69

$2.58

EPS (Diluted)

$14.34

$5.49

$14.34

$4.46

$5.46

$17.49

$14.10

$7.34

$8.85

$7.87

$7.42

$6.58

$5.45

$3.48

$2.49

Shares Outstanding

49.1M

50.4M

50.0M

50.9M

55.1M

55.9M

58.9M

62.3M

62.4M

66.9M

64.1M

57.8M

55.7M

57.7M

Operating Margin

21.8%

11.9%

31.0%

27.7%

17.7%

19.6%

20.7%

25.4%

26.8%

25.6%

Profit Margin

13.5%

7.2%

16.7%

5.8%

24.5%

15.5%

5.0%

17.0%

14.4%

7.2%

9.4%

9.7%

11.5%

11.6%