BREAD FINANCIAL HOLDINGS, INC.
BFH · XNYSCIK 1101215fmd_0F4292XAMS3RJ8VZ2CGJNMXC6MFinance, Insurance and Real Estate · Personal Credit InstitutionsTemplate: Financials
Coverage: Jan 01, 2008 to Sep 30, 2026, 71 periods
| Line item | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total revenues | 5,013 | 5,475 | 5,667 | 4,050 | 3,298 | 3,272 | 3,826 | 4,289 | 3,838 | 3,845 |
| Total interest income | – | – | 12 | 4,827 | 3,952 | 3,868 | 4,684 | 5,145 | 5,024 | 4,912 |
| Cost of revenue | 2,600 | 2,470 | 2,537 | 2,688 | 2,077 | – | – | – | – | – |
| Net interest income | – | – | (531) | 4,189 | 3,453 | 3,485 | 4,181 | 4,266 | 4,064 | 4,058 |
| Gross profit | 2,413 | 3,005 | 3,129 | 1,362 | 1,221 | – | – | – | – | – |
| Provision for credit losses | 941 | 1,140 | 1,016 | 1,188 | 1,266 | 544 | 1,594 | 1,229 | 1,397 | 1,242 |
| Net interest income after provision | – | – | (1,547) | 3,002 | 2,187 | 2,941 | 2,587 | 3,037 | 2,667 | 2,816 |
| Non-interest income | – | – | – | (139) | (155) | (213) | (355) | – | – | – |
| Compensation and benefits | – | – | – | – | 609 | 671 | 779 | – | – | – |
| Operating income | 1,150 | 1,518 | 1,757 | 662 | 301 | – | – | – | – | – |
| Non-interest expense | – | – | – | 2,200 | 1,731 | 1,684 | 1,932 | 2,092 | 2,060 | 1,988 |
| Interest expense | 371 | 455 | 542 | 638 | 499 | 383 | 503 | 879 | 960 | 854 |
| Income before taxes | 779 | 1,063 | 1,215 | 662 | 301 | 1,044 | 300 | 968 | 381 | 615 |
| Income tax expense | 299 | 293 | 270 | 156 | 93 | 247 | 76 | 231 | 102 | 94 |
| Net income from continuing operations | 480 | 769 | 946 | 506 | 208 | 797 | 224 | 737 | 279 | 521 |
| Net income | 518 | 789 | 963 | 278 | 214 | 801 | 223 | 718 | 277 | 518 |
| Net income to common shareholders | 516 | 789 | 963 | 269 | 214 | 801 | – | – | – | – |