Bread Financial Holdings, Inc.
Profit after direct costs
Core business profitability
Bottom line profitability
Top line growth rate
Flow of revenue through cost categories to net income
| Item | Trend | 2021 | 2022 | 2023 | 2024 | 2025 | YoY Change |
|---|---|---|---|---|---|---|---|
Total Revenue | 3.27B | 4.37B | 5.17B | 4.80B | 4.70B | -2.1% | |
| Cost of Revenue | (1.59B) | (2.10B) | (2.11B) | (2.36B) | (1.72B) | -26.9% | |
Gross Profit | 2.06B | 2.28B | 3.07B | 2.44B | 2.98B | 21.9% | |
| Operating Expenses | |||||||
| Research & Development | — | — | — | — | — | — | |
| Selling, General & Administrative | (831.00M) | (959.00M) | (1.03B) | (1.04B) | (1.31B) | 25.6% | |
| General & Administrative | (671.00M) | (779.00M) | (867.00M) | (897.00M) | (1.16B) | 29.3% | |
| Selling & Marketing | (160.00M) | (180.00M) | (161.00M) | (147.00M) | (151.00M) | 2.7% | |
| Depreciation & Amortization | (123.00M) | (113.00M) | (116.00M) | (90.00M) | (80.00M) | -11.1% | |
Operating Income (EBIT) | 1.04B | 300.00M | 968.00M | 381.00M | 614.00M | 61.2% | |
| Non-Operating Items | |||||||
| Interest Income | 3.87B | 4.68B | 5.14B | 5.02B | 4.91B | -2.2% | |
| Interest Expense | (383.00M) | (503.00M) | (879.00M) | (960.00M) | (854.00M) | -11.0% | |
| Other Income/Expenses (Net) | — | — | — | — | — | — | |
Income Before Tax | 1.04B | 300.00M | 968.00M | 381.00M | 614.00M | 61.2% | |
| Income Tax Expense | (247.00M) | (76.00M) | (231.00M) | (102.00M) | (92.00M) | -9.8% | |
Net Income | 801.00M | 223.00M | 718.00M | 277.00M | 518.00M | 87.0% | |
| Per Share Metrics | |||||||
| Earnings Per Share (Basic) | $16 | $4 | $14 | $6 | $11 | 99.5% | |
| Weighted Avg Shares Outstanding | 49.70M | 49.90M | 49.80M | 49.60M | 44.90M | -9.5% | |
| Weighted Avg Shares Outstanding (Diluted) | 50.00M | 50.00M | 50.00M | 50.40M | 46.00M | -8.7% | |
EBITDA | 1.17B | 413.00M | 1.08B | 471.00M | 694.00M | 47.3% |
Explore BFH
BFH in the Financial Services
Mid Cap