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. (BFH) 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

Operating Cash Flow $2.2B +18.3% YoY

Market Cap $3.9B as of Oct 13, 2026

Price / Sales 1.0x on $4.0B revenue, trailing 12 months to June 30, 2026

Price / Earnings 6.9x on $568.0M net income, trailing 12 months to June 30, 2026

Price / Book 1.2x on $3.4B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.

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

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 28, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BFH SEC filings page.

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 2026-10-03

Profitability recovered without revenue growth, while lower leverage and fewer shares amplified the reported earnings improvement.

Reported operating cash flow was 4.0x net income in FY2025, compared with 2.8x in FY2023, so cash generation is being shaped by balance-sheet activity as well as the income statement. That gap makes operating cash flow a less direct measure of recurring earnings quality than the headline ratio alone suggests.

Revenue stayed essentially flat at $3.8B in both FY2024 and FY2025, so the earnings rebound was not volume-led. Across those years, SG&A fell by $72M and interest expense by $106M, providing the visible mechanism for the improvement. Net margin widened from 7.2% to 13.5%.

Balance-sheet leverage eased: debt-to-equity fell from 1.8x to 1.3x as total liabilities declined from $19.8B to $19.3B and equity rose from $3.1B to $3.3B. Shares outstanding fell 12.2%, amplifying the per-share effect of the earnings rebound; EPS rose from $5.49 to $10.89.

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

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Earnings & Revenue

Revenue

$993.0M

YoY+6.9%

QoQ-2.5%

5Y CAGR+5.4%

10Y CAGR-5.5%

Bread Financial Holdings, Inc. generated $993.0M in revenue in Q2 2026. This represents an increase of 6.9% from the same quarter a year earlier. Against the prior quarter it is down 2.5%.

Net Income

$146.0M

YoY+5.0%

QoQ-19.3%

5Y CAGR-11.8%

10Y CAGR+0.4%

Bread Financial Holdings, Inc. reported $146.0M in net income in Q2 2026. This represents an increase of 5.0% from the same quarter a year earlier. Against the prior quarter it is down 19.3%.

EPS (Diluted)

$3.55

YoY+20.7%

QoQ-14.5%

5Y CAGR-8.3%

10Y CAGR+11.1%

Bread Financial Holdings, Inc. earned $3.55 per diluted share (EPS) in Q2 2026. This represents an increase of 20.7% from the same quarter a year earlier. Against the prior quarter it is down 14.5%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$3.7B

YoY-3.1%

QoQ+1.3%

5Y CAGR+5.7%

10Y CAGR+10.8%

Bread Financial Holdings, Inc. held $3.7B in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.23

YoY+9.5%

QoQ0.0%

5Y CAGR+1.8%

Bread Financial Holdings, Inc. paid $0.23 per share in dividends in Q2 2026. This represents an increase of 9.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

38M

YoY-17.6%

QoQ-4.9%

5Y CAGR-5.0%

10Y CAGR-4.1%

Bread Financial Holdings, Inc. had 38M shares outstanding in Q2 2026. This represents a decrease of 17.6% from the same quarter a year earlier. Against the prior quarter it is down 4.9%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin

14.7%

YoY-0.3pp

QoQ-3.1pp

5Y change-21.2pp

10Y change+6.6pp

Bread Financial Holdings, Inc.'s net profit margin was 14.7% in Q2 2026, showing the share of revenue converted to profit. This is down 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 3.1 percentage points.

Return on Equity

4.3%

YoY-0.1pp

QoQ-1.1pp

5Y change-9.0pp

10Y change-3.8pp

Bread Financial Holdings, Inc.'s ROE was 4.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$243.0M

YoY+417.0%

QoQ+58.8%

Bread Financial Holdings, Inc. spent $243.0M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 417.0% from the same quarter a year earlier. Against the prior quarter it is up 58.8%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

BFH Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BFH quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
EBITDA	N/A	N/A	N/A	N/A	N/A	N/A	$485.0M-46.8%	$911.0M-59.4%	$2.2B+11.4%	$2.0B+21.3%	$1.7B-5.2%	$1.8B+24.3%	$1.4B+7.3%	$1.3B+15.2%	$1.1B+18.2%	$965.8M
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 (Basic)	N/A	$11.07+98.4%	$5.58-61.2%	$14.39+221.9%	$4.47-72.2%	$16.09+260.0%	$4.47-16.9%	$5.38-69.4%	$17.56+23.9%	$14.17+92.3%	$7.37-17.3%	$8.91+2.2%	$8.72-13.6%	$10.09+19.5%	$8.44+35.7%	$6.22
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
Diluted Shares (Avg)	N/A	48M-5.6%	50M+0.8%	50M0.0%	50M0.0%	50M+4.4%	48M-5.9%	51M-7.6%	55M-1.4%	56M-5.1%	59M-5.5%	62M-0.2%	62M-6.7%	67M+4.2%	64M+11.0%	58M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$993.0M+6.9%	$1.0B+4.9%	$975.0M+5.4%	$971.0M-1.2%	$929.0M-1.1%	$970.0M-2.1%	$925.0M-9.0%	$983.0M-4.7%
SG&A Expenses	$483.0M+0.4%	$472.0M-1.0%	$554.0M+3.6%	$476.0M-17.1%	$481.0M+2.6%	$477.0M-1.0%	$535.0M+3.7%	$574.0M+14.3%
Interest Expense	$195.0M-11.4%	$193.0M-14.2%	$199.0M-13.9%	$210.0M-12.5%	$220.0M-8.7%	$225.0M-9.3%	$231.0M-2.5%	$240.0M+9.6%
Income Tax	$51.0M+45.7%	$62.0M+12.7%	-$4.0M+88.6%	$8.0M-78.4%	$35.0M-25.5%	$55.0M+3.8%	-$35.0M-34.6%	$37.0M-28.8%
Net Income	$146.0M+5.0%	$181.0M+31.2%	$53.0M+562.5%	$188.0M+9300.0%	$139.0M+4.5%	$138.0M+3.0%	$8.0M-81.8%	$2.0M-98.8%
EPS (Basic)	$3.62+21.9%	$4.19+49.1%	$1.28+814.3%	$4.04+7980.0%	$2.97+10.4%	$2.81+3.7%	$0.14-84.6%	$0.05-98.5%
EPS (Diluted)	$3.55+20.7%	$4.15+49.3%	$1.24	$3.96+7820.0%	$2.94+10.5%	$2.78+3.0%	$0.12-86.7%	$0.05-98.5%
Diluted Shares (Avg)	41M-13.8%	43M-12.9%	N/A	48M-6.9%	47M-6.0%	50M-0.2%	N/A	51M+1.8%

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

BFH Balance Sheet

BFH quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$26.0M-90.4%	$272.0M+8.8%	$250.0M+92.3%	$130.0M+62.5%	$80.0M+175.9%	$29.0M	$0	$0	$0	$0	$0	$0	$0	$0	$0
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
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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
Non-Current Liabilities	N/A	N/A	N/A	N/A	N/A	$10.6B-18.7%	$13.0B-21.3%	$16.6B-11.3%	$18.7B+27.7%	$14.6B+6.2%	$13.8B+21.6%	$11.3B+43.8%	$7.9B+22.3%	$6.4B+30.1%	$4.9B
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$22.5B+2.9%	$22.3B-0.3%	$22.7B-1.0%	$21.7B-0.1%	$21.8B-1.5%	$22.4B+0.4%	$22.9B-1.1%	$21.7B+0.6%
Cash & Equivalents	$3.7B-3.1%	$3.6B-13.7%	$3.6B-2.0%	$3.8B+9.1%	$3.8B-6.3%	$4.2B+11.2%	$3.7B+2.5%	$3.5B+2.1%
Short-Term Investments	$0	$0	$26.0M-90.4%	$0	$0	$0	$272.0M+8.8%	$0
Accounts Receivable	N/A	N/A	$148.0M+2.1%	N/A	N/A	N/A	$145.0M+0.7%	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	$634.0M0.0%	N/A	N/A	N/A	$634.0M0.0%	N/A
Total Liabilities	$19.1B+2.3%	$19.0B-1.7%	$19.3B-2.5%	$18.4B-1.2%	$18.7B-1.7%	$19.3B+0.2%	$19.8B-1.9%	$18.6B-0.6%
Long-Term Debt	N/A	N/A	$4.3B-22.5%	$3.8B-17.4%	$4.2B	$5.1B	$5.6B+5.0%	$4.6B+8.5%
Total Equity	$3.4B+6.3%	$3.3B+8.4%	$3.3B+9.0%	$3.3B+6.6%	$3.2B-0.1%	$3.1B+1.2%	$3.1B+4.6%	$3.1B+8.7%
Retained Earnings	$1.8B+41.8%	$1.6B+45.9%	$1.5B+47.6%	$1.4B+42.8%	$1.3B+24.0%	$1.1B+26.5%	$999.0M+30.2%	$1.0B+36.5%

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

BFH Cash Flow Statement

BFH quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$80.0M-11.1%	$90.0M-22.4%	$116.0M+2.7%	$113.0M-8.1%	$123.0M-33.2%	$184.0M-26.1%	$249.0M-48.9%	$487.3M-2.1%	$497.6M-2.8%	$512.1M+4.0%	$492.2M+57.2%	$313.1M+44.9%	$216.1M+29.5%	$166.9M+9.0%	$153.2M
Stock-Based Compensation	N/A	$56.0M+3.7%	$54.0M+22.7%	$44.0M+33.3%	$33.0M+13.8%	$29.0M+38.1%	$21.0M-61.8%	$55.0M-31.9%	$80.8M+7.6%	$75.1M-1.8%	$76.5M-16.2%	$91.3M+25.9%	$72.5M+22.5%	$59.2M+17.2%	$50.5M+16.1%	$43.5M
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$533.0M+1.3%	$487.0M+23.9%	$568.0M+18.6%	$605.0M+32.7%	$526.0M+10.3%	$393.0M-12.1%	$479.0M-22.4%	$456.0M-27.5%
Depreciation & Amortization	$19.0M-5.0%	$19.0M-9.5%	$19.0M-13.6%	$20.0M-9.1%	$20.0M-13.0%	$21.0M-8.7%	$22.0M-8.3%	$22.0M-4.3%
Stock-Based Compensation	$16.0M+6.7%	$15.0M+15.4%	N/A	$14.0M+7.7%	$15.0M+7.1%	$13.0M-13.3%	N/A	$13.0M+30.0%
Investing Cash Flow	-$672.0M-204.1%	$317.0M-54.1%	-$1.5B-11.3%	-$338.0M+40.6%	-$221.0M-812.9%	$691.0M-4.0%	-$1.4B+24.6%	-$569.0M-102.5%
Financing Cash Flow	-$59.0M+91.8%	-$475.0M+15.5%	$784.0M-29.7%	-$306.0M+37.3%	-$723.0M-196.3%	-$562.0M+42.4%	$1.1B-20.1%	-$488.0M-60.5%
Dividends Paid	$9.0M-10.0%	$10.0M0.0%	$10.0M-9.1%	$10.0M0.0%	$10.0M-9.1%	$10.0M-9.1%	$11.0M+10.0%	$10.0M-9.1%
Share Buybacks	$243.0M+417.0%	$153.0M+48.5%	$123.0M+179.5%	$40.0M	$47.0M	$103.0M+836.4%	$44.0M	$0-100.0%

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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BFH quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Asset Turnover	0.170.0x	0.170.0x	0.190.0x	0.150.0x	0.150.0x	0.150.0x	0.150.0x	0.190.0x	0.180.0x	0.20-0.1x	0.290.0x	0.26-0.1x	0.330.0x	0.300.0x	0.35
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	14.7%-0.3pp	17.8%+3.6pp	5.4%+4.6pp	19.4%+19.2pp	15.0%+0.8pp	14.2%+0.7pp	0.9%-3.5pp	0.2%-16.4pp
Return on Equity	4.3%-0.1pp	5.4%+0.9pp	1.6%+1.3pp	5.7%+5.6pp	4.4%+0.2pp	4.5%+0.1pp	0.3%-1.3pp	0.1%-5.9pp
Return on Assets	0.7%0.0pp	0.8%+0.2pp	0.2%+0.2pp	0.9%+0.9pp	0.6%0.0pp	0.6%0.0pp	0.0%-0.2pp	0.0%-0.8pp
Debt-to-Equity	5.67+4.3x	5.71+4.0x	1.29-0.5x	1.14-0.3x	1.34-4.7x	1.67-4.7x	1.820.0x	1.470.0x
Asset Turnover	0.040.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x

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

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Bread Financial Holdings, Inc. BFH	FY2025	$3.8B	$518.0M	13.5%	$3.9B	—
Enova International, Inc. ENVA	FY2025	$3.2B	$308.4M	9.8%	$4.4B	47/100
Sezzle Inc. SEZL	FY2025	$450.3M	$133.1M	29.6%	$4.4B	77/100
The Western Union Company WU	FY2025	$4.1B	$499.6M	12.3%	$1.9B	35/100
Qfin Holdings, Inc. QFIN	FY2025	$2.7B	$854.5M	31.1%	$719.8M	75/100

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 P/E ratio?

Bread Financial Holdings, Inc. (BFH) trades at 6.9x earnings, its market capitalization divided by net income of $568.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $3.9B as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Bread Financial Holdings, Inc.'s price-to-sales ratio?

Bread Financial Holdings, Inc. (BFH) trades at 1.0x sales, its market capitalization divided by revenue of $4.0B revenue, trailing 12 months to June 30, 2026. The market capitalization is $3.9B as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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.