What is Bread Financial Holdings, Inc.'s earnings per share (EPS)?

Bread Financial Holdings, Inc. (BFH) reported diluted earnings per share of $10.89 for fiscal year 2025. This represents a 98.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Bread Financial Holdings, Inc. Financials

BFH

Trailing 12 months to June 30, 2026

Revenue $4.0B +3.9% YoY

Net Income $568.0M +97.9% YoY

EPS (Diluted) $12.90 +119.0% YoY

Free Cash Flow Not reported for the trailing 12 months

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 28, 2026 Currency USD FYE December

Bread Financial Holdings, Inc. (BFH) reported $4.0B in revenue over the twelve months to Jun 30, 2026, up 3.9% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI BFH FY2025 2026-04-28

Bread Financial’s recent improvement reflects balance-sheet repair, lower funding costs, and steady cash generation more than revenue expansion.

Between FY2023 and FY2025, operating cash flow stayed near $2.0B even though reported profit moved around much more, which suggests the company’s core cash engine is steadier than its earnings line. That steadier cash generation lined up with long-term debt dropping from $5.3B to $4.3B, indicating recent cash has been used largely for balance-sheet repair rather than asset growth.

With revenue essentially flat at $3.8B in FY2025, the rebound in net income to $518M points to an earnings recovery driven more by expense structure than by a larger business. Lower interest expense and somewhat leaner operating costs appear to have done more of the work than top-line expansion.

Return on equity improved from 9.1% in FY2024 to 15.6% in FY2025 while debt-to-equity moved lower, so profitability recovered on a stronger capital base instead of extra leverage. Cash also stayed near $3.6B, which gave room for buybacks without undoing the deleveraging trend.

Financial Health Signals

Financial health score not available

Bread Financial Holdings, Inc. does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

7/7

Bread Financial Holdings, Inc. passes 7 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

4.04x

For every $1 of reported earnings, Bread Financial Holdings, Inc. generates $4.04 in operating cash flow ($2.1B OCF vs $518.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$3.8B

YoY+0.2%

5Y CAGR+3.1%

10Y CAGR-5.0%

Bread Financial Holdings, Inc. generated $3.8B in revenue in fiscal year 2025. This represents an increase of 0.2% from the prior year.

Net Income

$518.0M

YoY+87.0%

5Y CAGR+19.3%

10Y CAGR-1.5%

Bread Financial Holdings, Inc. reported $518.0M in net income in fiscal year 2025. This represents an increase of 87.0% from the prior year.

EPS (Diluted)

$10.89

YoY+98.4%

5Y CAGR+19.5%

10Y CAGR+2.1%

Bread Financial Holdings, Inc. earned $10.89 per diluted share (EPS) in fiscal year 2025. This represents an increase of 98.4% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Cash & Debt

$3.6B

YoY-2.0%

5Y CAGR+5.2%

10Y CAGR+11.9%

Bread Financial Holdings, Inc. held $3.6B in cash against $4.3B in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.86

YoY+2.4%

5Y CAGR-7.4%

Bread Financial Holdings, Inc. paid $0.86 per share in dividends in fiscal year 2025. This represents an increase of 2.4% from the prior year.

Shares Outstanding

43M

YoY-12.2%

5Y CAGR-2.8%

10Y CAGR-3.1%

Bread Financial Holdings, Inc. had 43M shares outstanding in fiscal year 2025. This represents a decrease of 12.2% from the prior year.

Free Cash Flow

Not reported for fiscal year 2025.

Margins & Returns

Net Margin

13.5%

YoY+6.2pp

5Y CAGR+7.0pp

10Y CAGR+4.1pp

Bread Financial Holdings, Inc.'s net profit margin was 13.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 6.2 percentage points from the prior year.

Return on Equity

15.6%

YoY+6.5pp

5Y CAGR+1.5pp

10Y CAGR-14.6pp

Bread Financial Holdings, Inc.'s ROE was 15.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 6.5 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

$313.0M

YoY+469.1%

Bread Financial Holdings, Inc. spent $313.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 469.1% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

Capital Expenditures

Not reported for fiscal year 2025.

BFH Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

BFH quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$4.0B	$3.8B+0.2%	$3.8B-10.5%	$4.3B+12.1%	$3.8B+16.9%	$3.3B-0.8%	$3.3B-18.6%	$4.0B-28.5%	$5.7B+3.5%	$5.5B+9.2%	$5.0B-22.2%	$6.4B+21.4%	$5.3B+22.8%	$4.3B+18.6%	$3.6B+14.8%	$3.2B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	$2.1B-22.7%	$2.7B+5.9%	$2.5B+2.7%	$2.5B-5.0%	$2.6B-31.8%	$3.8B+18.5%	$3.2B+26.3%	$2.5B+21.0%	$2.1B+16.3%	$1.8B
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	$1.2B-10.4%	$1.4B-56.5%	$3.1B+4.1%	$3.0B+24.5%	$2.4B-8.1%	$2.6B+26.0%	$2.1B+17.8%	$1.8B+15.3%	$1.5B+12.7%	$1.4B
SG&A Expenses	$2.0B	$2.0B-3.5%	$2.1B-1.5%	$2.1B+168.5%	$779.0M+16.1%	$671.0M+534.8%	$105.7M-29.8%	$150.6M-7.3%	$162.5M+2.0%	$159.3M+17.5%	$135.6M-2.1%	$138.5M-2.1%	$141.5M+29.7%	$109.1M+1.0%	$108.1M+13.4%	$95.3M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	$301.0M-54.5%	$662.0M-62.3%	$1.8B+15.8%	$1.5B+32.0%	$1.1B-8.9%	$1.3B+14.9%	$1.1B0.0%	$1.1B+12.8%	$974.4M+19.9%	$812.7M
Interest Expense	$797.0M	$854.0M-11.0%	$960.0M+9.2%	$879.0M+74.8%	$503.0M+31.3%	$383.0M-23.2%	$499.0M-21.8%	$638.0M+17.6%	$542.3M+19.1%	$455.4M+22.8%	$370.9M+12.3%	$330.2M+26.8%	$260.5M-14.7%	$305.5M+4.8%	$291.5M-2.4%	$298.6M
Income Tax	$117.0M	$94.0M-7.8%	$102.0M-55.8%	$231.0M+203.9%	$76.0M-69.2%	$247.0M+165.6%	$93.0M-40.4%	$156.0M-42.1%	$269.5M-8.1%	$293.3M-1.8%	$298.8M-8.4%	$326.2M+1.4%	$321.8M+8.3%	$297.2M+14.0%	$260.6M+31.1%	$198.8M
Net Income	$568.0M	$518.0M+87.0%	$277.0M-61.4%	$718.0M+222.0%	$223.0M-72.2%	$801.0M+274.3%	$214.0M-23.0%	$278.0M-71.1%	$963.1M+22.1%	$788.7M+52.4%	$517.6M-14.5%	$605.4M+17.3%	$516.1M+4.0%	$496.2M+17.5%	$422.3M+33.9%	$315.3M
EPS (Diluted)	$12.90	$10.89+98.4%	$5.49-61.7%	$14.34+221.5%	$4.46-72.2%	$16.02+259.2%	$4.46-18.3%	$5.46-68.8%	$17.49+24.0%	$14.10+92.1%	$7.34-17.1%	$8.85+12.5%	$7.87+6.1%	$7.42+12.8%	$6.58+20.7%	$5.45

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$993.0M-2.5%	$1.0B+4.4%	$975.0M+0.4%	$971.0M+4.5%	$929.0M-4.2%	$970.0M+4.9%	$925.0M-5.9%	$983.0M
SG&A Expenses	$483.0M+2.3%	$472.0M-14.8%	$554.0M+16.4%	$476.0M-1.0%	$481.0M+0.8%	$477.0M-10.8%	$535.0M-6.8%	$574.0M
Interest Expense	$195.0M+1.0%	$193.0M-3.0%	$199.0M-5.2%	$210.0M-4.5%	$220.0M-2.2%	$225.0M-2.6%	$231.0M-3.8%	$240.0M
Income Tax	$51.0M-17.7%	$62.0M+1650.0%	-$4.0M-150.0%	$8.0M-77.1%	$35.0M-36.4%	$55.0M+257.1%	-$35.0M-194.6%	$37.0M
Net Income	$146.0M-19.3%	$181.0M+241.5%	$53.0M-71.8%	$188.0M+35.3%	$139.0M+0.7%	$138.0M+1625.0%	$8.0M+300.0%	$2.0M
EPS (Diluted)	$3.55-14.5%	$4.15+234.7%	$1.24-68.7%	$3.96+34.7%	$2.94+5.8%	$2.78+2216.7%	$0.12	$0.05

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

BFH Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

BFH quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$22.7B-1.0%	$22.9B-1.1%	$23.1B-8.9%	$25.4B+16.8%	$21.7B-3.6%	$22.5B-14.9%	$26.5B-12.8%	$30.4B-1.0%	$30.7B+20.3%	$25.5B+14.2%	$22.3B+10.7%	$20.2B+52.4%	$13.2B+10.4%	$12.0B+33.6%	$9.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	$19.6B-18.6%	$24.1B-2.4%	$24.7B0.0%	$24.7B+26.1%	$19.6B+20.5%	$16.3B+17.6%	$13.8B+32.8%	$10.4B+13.9%	$9.1B+38.2%	$6.6B
Cash & Equivalents	$3.6B-2.0%	$3.7B+2.5%	$3.6B-7.7%	$3.9B+27.7%	$3.0B+8.9%	$2.8B-27.8%	$3.9B+1.5%	$3.8B-7.9%	$4.1B+122.8%	$1.9B+59.2%	$1.2B+8.4%	$1.1B+11.1%	$969.8M+8.6%	$893.4M+313.2%	$216.2M
Inventory	N/A	N/A	N/A	N/A	N/A	$164.3M-24.6%	$218.0M-12.1%	$248.0M+7.5%	$230.6M-15.0%	$271.3M+19.0%	$228.0M+3.4%	$220.5M+1410.3%	$14.6M	N/A	N/A
Accounts Receivable	$148.0M+2.1%	$145.0M+0.7%	$144.0M-12.2%	$164.0M+8.6%	$151.0M-60.7%	$383.8M-14.9%	$451.1M+11.7%	$404.0M+43.3%	$282.0M-64.6%	$797.2M+12.8%	$706.5M-5.0%	$743.3M+88.3%	$394.8M+6.7%	$370.1M+23.0%	$300.9M
Goodwill	$634.0M0.0%	$634.0M0.0%	$634.0M0.0%	$634.0M0.0%	$634.0M0.0%	$634.0M-33.6%	$954.9M0.0%	$954.8M-3.8%	$992.8M+8.5%	$915.0M-76.0%	$3.8B-1.3%	$3.9B+122.7%	$1.7B-0.9%	$1.8B+20.8%	$1.4B
Total Liabilities	$19.3B-2.5%	$19.8B-1.9%	$20.2B-12.6%	$23.1B+17.7%	$19.7B-6.5%	$21.0B-15.6%	$24.9B-11.2%	$28.1B-2.7%	$28.8B+20.8%	$23.9B+18.3%	$20.2B+14.4%	$17.6B+42.3%	$12.4B+8.0%	$11.5B+30.3%	$8.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	$10.4B-12.2%	$11.9B+3.4%	$11.5B+13.2%	$10.1B+9.9%	$9.2B+44.1%	$6.4B+1.5%	$6.3B+39.7%	$4.5B-10.3%	$5.0B+30.5%	$3.9B
Long-Term Debt	$4.3B-22.5%	$5.6B+5.0%	$5.3B-33.9%	$8.0B+7.6%	$7.4B+165.1%	$2.8B-1.6%	$2.8B-49.0%	$5.6B-6.0%	$5.9B+24.2%	$4.8B+3.0%	$4.6B+16.2%	$4.0B+64.3%	$2.4B+18.7%	$2.1B-5.2%	$2.2B
Total Equity	$3.3B+9.0%	$3.1B+4.6%	$2.9B+28.8%	$2.3B+8.6%	$2.1B+37.1%	$1.5B-4.2%	$1.6B-31.9%	$2.3B+25.7%	$1.9B+11.9%	$1.7B-17.5%	$2.0B-16.1%	$2.4B+180.0%	$855.8M+61.9%	$528.5M+200.3%	$176.0M
Retained Earnings	$1.5B+47.6%	$999.0M+30.2%	$767.0M+724.7%	$93.0M+206.9%	-$87.0M-101.8%	$4.8B-6.4%	$5.2B+3.0%	$5.0B+20.3%	$4.2B+19.2%	$3.5B+13.0%	$3.1B+21.7%	$2.5B+24.0%	$2.0B+31.9%	$1.6B+37.3%	$1.1B

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$22.5B+0.6%	$22.3B-1.6%	$22.7B+4.4%	$21.7B-0.5%	$21.8B-2.5%	$22.4B-2.2%	$22.9B+5.3%	$21.7B
Cash & Equivalents	$3.7B+1.3%	$3.6B+0.9%	$3.6B-4.3%	$3.8B-0.9%	$3.8B-9.8%	$4.2B+14.5%	$3.7B+6.6%	$3.5B
Accounts Receivable	N/A	N/A	$148.0M	N/A	N/A	N/A	$145.0M	N/A
Goodwill	N/A	N/A	$634.0M	N/A	N/A	N/A	$634.0M	N/A
Total Liabilities	$19.1B+0.5%	$19.0B-1.8%	$19.3B+5.1%	$18.4B-1.4%	$18.7B-3.4%	$19.3B-2.7%	$19.8B+6.5%	$18.6B
Long-Term Debt	N/A	N/A	$4.3B+13.8%	$3.8B-10.4%	$4.2B-17.5%	$5.1B-7.8%	$5.6B+21.2%	$4.6B
Total Equity	$3.4B+1.2%	$3.3B-0.1%	$3.3B+0.3%	$3.3B+4.8%	$3.2B+3.2%	$3.1B+0.6%	$3.1B-2.0%	$3.1B
Retained Earnings	$1.8B+8.3%	$1.6B+11.4%	$1.5B+3.0%	$1.4B+14.1%	$1.3B+11.5%	$1.1B+12.7%	$999.0M-0.4%	$1.0B

Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities.

BFH Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

BFH quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$2.2B	$2.1B+12.5%	$1.9B-6.4%	$2.0B+7.5%	$1.8B+19.8%	$1.5B-18.1%	$1.9B+54.6%	$1.2B-55.8%	$2.8B+6.0%	$2.6B+22.2%	$2.1B+20.9%	$1.8B+30.9%	$1.3B+34.0%	$1.0B-11.5%	$1.1B+12.1%	$1.0B
Capital Expenditures	N/A	N/A	N/A	N/A	$68.0M-19.0%	$84.0M+55.6%	$54.0M-62.0%	$142.0M-28.9%	$199.8M-11.4%	$225.4M+8.9%	$207.0M+8.0%	$191.7M+20.8%	$158.7M+17.2%	$135.4M+16.2%	$116.5M+58.4%	$73.5M
Free Cash Flow	N/A	N/A	N/A	N/A	$1.8B+22.0%	$1.5B-20.2%	$1.8B+70.0%	$1.1B-57.9%	$2.6B+7.6%	$2.4B+23.6%	$1.9B+22.5%	$1.6B+32.3%	$1.2B+36.6%	$868.1M-14.7%	$1.0B+8.5%	$937.8M
Investing Cash Flow	-$2.2B	-$1.4B-17.3%	-$1.2B-248.4%	$788.0M+115.4%	-$5.1B-202.2%	-$1.7B-195.3%	$1.8B-38.0%	$2.9B+252.8%	-$1.9B+56.1%	-$4.3B+0.5%	-$4.3B-27.6%	-$3.4B	N/A	N/A	-$2.7B-156.7%	-$1.0B
Financing Cash Flow	-$56.0M	-$807.0M-36.3%	-$592.0M+80.8%	-$3.1B-194.5%	$3.3B+437.3%	$608.0M+114.6%	-$4.2B-1.8%	-$4.1B-236.0%	-$1.2B-130.4%	$4.0B+51.9%	$2.6B+53.4%	$1.7B	N/A	N/A	$2.2B+1922.0%	$109.3M
Dividends Paid	$39.0M	$40.0M-7.0%	$43.0M+2.4%	$42.0M-2.3%	$43.0M+2.4%	$42.0M-31.1%	$61.0M-52.0%	$127.0M+1.4%	$125.2M+8.4%	$115.5M+285.0%	$30.0M	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$559.0M	$313.0M+469.1%	$55.0M+57.1%	$35.0M+191.7%	$12.0M	$0	N/A	$976.0M+120.2%	$443.2M-20.0%	$553.7M-30.7%	$798.8M-16.1%	$951.6M+232.0%	$286.6M+24.0%	$231.1M+83.6%	$125.8M-47.8%	$240.9M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$533.0M+9.4%	$487.0M-14.3%	$568.0M-6.1%	$605.0M+15.0%	$526.0M+33.8%	$393.0M-18.0%	$479.0M+5.0%	$456.0M
Investing Cash Flow	-$672.0M-312.0%	$317.0M+121.1%	-$1.5B-344.7%	-$338.0M-52.9%	-$221.0M-132.0%	$691.0M+151.1%	-$1.4B-137.4%	-$569.0M
Financing Cash Flow	-$59.0M+87.6%	-$475.0M-160.6%	$784.0M+356.2%	-$306.0M+57.7%	-$723.0M-28.6%	-$562.0M-150.4%	$1.1B+328.5%	-$488.0M
Dividends Paid	$9.0M-10.0%	$10.0M0.0%	$10.0M0.0%	$10.0M0.0%	$10.0M0.0%	$10.0M-9.1%	$11.0M+10.0%	$10.0M
Share Buybacks	$243.0M+58.8%	$153.0M+24.4%	$123.0M+207.5%	$40.0M-14.9%	$47.0M-54.4%	$103.0M+134.1%	$44.0M	$0

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.

BFH Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

BFH quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Gross Margin	N/A	N/A	N/A	N/A	N/A	37.0%+3.4pp	33.6%-21.6pp	55.2%+0.3pp	54.9%+6.8pp	48.1%+7.4pp	40.8%+1.5pp	39.3%-1.7pp	41.0%-1.2pp	42.1%-0.8pp	42.9%
Operating Margin	N/A	N/A	N/A	N/A	N/A	9.1%-7.2pp	16.4%-14.7pp	31.0%+3.3pp	27.7%+4.8pp	22.9%+3.4pp	19.6%-1.1pp	20.7%-4.7pp	25.4%-1.3pp	26.8%+1.2pp	25.6%
Net Margin	13.5%+6.2pp	7.2%-9.5pp	16.7%+10.9pp	5.8%-18.6pp	24.5%+18.0pp	6.5%-0.4pp	6.9%-10.1pp	17.0%+2.6pp	14.4%+4.1pp	10.3%+0.9pp	9.4%-0.3pp	9.7%-1.8pp	11.5%-0.1pp	11.6%+1.7pp	9.9%
Return on Equity	15.6%+6.5pp	9.1%-15.5pp	24.6%+14.8pp	9.8%-28.5pp	38.4%+24.3pp	14.1%-3.4pp	17.5%-23.8pp	41.3%-1.2pp	42.5%+11.3pp	31.2%+1.1pp	30.1%+8.6pp	21.5%-36.4pp	58.0%-21.9pp	79.9%-99.3pp	179.2%
Return on Assets	2.3%+1.1pp	1.2%-1.9pp	3.1%+2.2pp	0.9%-2.8pp	3.7%+2.7pp	0.9%-0.1pp	1.1%-2.1pp	3.2%+0.6pp	2.6%+0.5pp	2.0%-0.7pp	2.7%+0.1pp	2.6%-1.2pp	3.8%+0.2pp	3.5%0.0pp	3.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	1.88-0.1x	2.03-0.1x	2.15-0.3x	2.43+0.3x	2.12-0.4x	2.54+0.3x	2.19-0.1x	2.30+0.5x	1.81+0.1x	1.71
Debt-to-Equity	1.29-0.5x	1.820.0x	1.81-1.7x	3.540.0x	3.57+1.7x	1.840.0x	1.79-0.6x	2.40-0.8x	3.20+0.3x	2.89+0.6x	2.31+0.6x	1.67-1.2x	2.85-1.0x	3.88-8.4x	12.30
FCF Margin	N/A	N/A	N/A	46.5%+1.9pp	44.6%-10.9pp	55.5%+28.9pp	26.6%-18.5pp	45.1%+1.7pp	43.4%+5.1pp	38.3%+14.0pp	24.3%+2.0pp	22.4%+2.3pp	20.1%-7.9pp	28.0%-1.6pp	29.5%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	14.7%-3.1pp	17.8%+12.3pp	5.4%-13.9pp	19.4%+4.4pp	15.0%+0.7pp	14.2%+13.4pp	0.9%+0.7pp	0.2%
Return on Equity	4.3%-1.1pp	5.4%+3.8pp	1.6%-4.1pp	5.7%+1.3pp	4.4%-0.1pp	4.5%+4.2pp	0.3%+0.2pp	0.1%
Return on Assets	0.7%-0.2pp	0.8%+0.6pp	0.2%-0.6pp	0.9%+0.2pp	0.6%0.0pp	0.6%+0.6pp	0.0%0.0pp	0.0%
Debt-to-Equity	5.670.0x	5.71+4.4x	1.29+0.2x	1.14-0.2x	1.34-0.3x	1.67-0.2x	1.82+0.3x	1.47

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

$5.9B

$4.2B

$1.1B

$2.3B

Qfin Holdings, Inc. QFIN

$1.1B

Where Bread Financial Holdings, Inc. Ranks

Frequently Asked Questions

What is Bread Financial Holdings, Inc.'s annual revenue?

Bread Financial Holdings, Inc. (BFH) reported $3.8B in total revenue for fiscal year 2025. This represents a 0.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Bread Financial Holdings, Inc.'s revenue growing?

Bread Financial Holdings, Inc. (BFH) revenue grew by 0.2% year-over-year, from $3.8B to $3.8B in fiscal year 2025.

Is Bread Financial Holdings, Inc. profitable?

Yes, Bread Financial Holdings, Inc. (BFH) reported a net income of $518.0M in fiscal year 2025, with a net profit margin of 13.5%.

How much debt does Bread Financial Holdings, Inc. have?

As of fiscal year 2025, Bread Financial Holdings, Inc. (BFH) had $3.6B in cash and equivalents against $4.3B in long-term debt.

What is Bread Financial Holdings, Inc.'s net profit margin?

Bread Financial Holdings, Inc. (BFH) had a net profit margin of 13.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Bread Financial Holdings, Inc. pay dividends?

Yes, Bread Financial Holdings, Inc. (BFH) paid $0.86 per share in dividends during fiscal year 2025.

What is Bread Financial Holdings, Inc.'s return on equity (ROE)?

Bread Financial Holdings, Inc. (BFH) has a return on equity of 15.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Bread Financial Holdings, Inc.'s operating cash flow?

Bread Financial Holdings, Inc. (BFH) generated $2.1B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Bread Financial Holdings, Inc.'s total assets?

Bread Financial Holdings, Inc. (BFH) had $22.7B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Bread Financial Holdings, Inc. buy back shares?

Yes, Bread Financial Holdings, Inc. (BFH) spent $313.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Bread Financial Holdings, Inc. have outstanding?

Bread Financial Holdings, Inc. (BFH) had 43M shares outstanding as of fiscal year 2025.

What is Bread Financial Holdings, Inc.'s debt-to-equity ratio?

Bread Financial Holdings, Inc. (BFH) had a debt-to-equity ratio of 1.29 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Bread Financial Holdings, Inc.'s return on assets (ROA)?

Bread Financial Holdings, Inc. (BFH) had a return on assets of 2.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Bread Financial Holdings, Inc.'s Piotroski F-Score?

Bread Financial Holdings, Inc. (BFH) has a Piotroski F-Score of 7 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Bread Financial Holdings, Inc.'s earnings high quality?

Bread Financial Holdings, Inc. (BFH) has an earnings quality ratio of 4.04x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.