For the twelve months ended Sep 30, 2026, Bread Financial Holdings Inc. reported $4.00B of revenue and $537.00M of net income.
BFH revenue was $1.02B in fiscal Q3 2026 (ended Sep 30, 2026), up 4.7% from a year earlier and up 2.4% from the prior quarter. For the full fiscal 2025 it was $3.85B, up 0.2% from fiscal 2024. Compound annual growth was +3.1% over 5 years and -5.0% over 10 years. It rose in 5 of the last 10 fiscal years.
BFH net income was $156.00M in fiscal Q3 2026 (ended Sep 30, 2026), down 17.0% from a year earlier and up 6.8% from the prior quarter. For the full fiscal 2025 it was $518.00M, up 87.0% from fiscal 2024. Compound annual growth was +19.3% over 5 years and -1.4% over 10 years. It rose in 5 of the last 10 fiscal years.
BFH diluted EPS was $3.82 in fiscal Q3 2026 (ended Sep 30, 2026), down 3.5% from a year earlier and up 7.6% from the prior quarter. For the full fiscal 2025 it was $10.89, up 98.4% from fiscal 2024. Compound annual growth was +19.5% over 5 years and +2.1% over 10 years.
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.85B | $3.84B | $4.29B | $3.83B | $3.27B | $3.30B | $4.05B | $5.67B | $5.47B | $7.14B |
| Cost of revenue | - | - | - | - | - | $2.08B | $2.69B | $2.54B | $2.47B | $4.28B |
| Gross profit | - | - | - | - | - | $1.22B | $1.36B | $3.13B | $3.01B | $2.86B |
| Selling, general and admin | - | - | - | - | - | $105.70M | $150.60M | $162.50M | $159.30M | $143.20M |
| Operating income | - | - | - | - | - | $301.00M | $662.00M | $1.76B | $1.52B | $1.27B |
| Interest expense | - | - | $879.00M | $503.00M | $383.00M | $499.00M | $638.00M | $542.30M | $455.40M | $428.50M |
| Pre-tax income | $615.00M | $381.00M | $968.00M | $300.00M | $1.04B | $301.00M | $662.00M | $1.22B | $1.06B | $837.00M |
| Income tax | $94.00M | $102.00M | $231.00M | $76.00M | $247.00M | $93.00M | $156.00M | $269.50M | $293.30M | $319.40M |
| Net income | $518.00M | $277.00M | $718.00M | $223.00M | $801.00M | $214.00M | $278.00M | $963.10M | $788.70M | $515.80M |
| EPS, basic | $11.07 | $5.58 | $14.39 | $4.47 | $16.09 | $4.47 | $5.38 | $17.56 | $14.17 | $7.37 |
| EPS, diluted | $10.89 | $5.49 | $14.34 | $4.46 | $16.02 | $4.46 | $5.46 | $17.49 | $14.10 | $7.34 |
| Diluted shares | 47.6M | 50.4M | 50.0M | 50.0M | 50.0M | 47.9M | 50.9M | 55.1M | 55.9M | 58.9M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $3.60B | $3.71B | $3.59B | $3.93B | $3.92B | $3.46B | $3.96B | $3.97B | $4.31B | $1.97B |
| Short-term investments | $26.00M | $272.00M | $250.00M | $130.00M | $80.00M | $29.00M | - | - | - | - |
| Receivables | - | - | - | - | - | $383.80M | $451.10M | $404.00M | $822.30M | $797.20M |
| Inventory | - | - | - | - | - | $164.30M | $218.00M | $248.00M | $234.10M | $271.30M |
| Current assets | - | - | - | - | - | $19.63B | $24.11B | $24.71B | $24.71B | $19.59B |
| Goodwill | $634.00M | $634.00M | $634.00M | $634.00M | $634.00M | $634.00M | $954.90M | $954.80M | $992.80M | $3.80B |
| Total assets | $22.66B | $22.89B | $23.14B | $25.41B | $21.75B | $22.55B | $26.49B | $30.39B | $30.68B | $25.51B |
| Current liabilities | - | - | - | - | - | $10.42B | $11.87B | $11.48B | $10.15B | $9.23B |
| Short-term debt | - | - | - | - | - | - | - | $138.90M | $131.30M | $814.50M |
| Long-term debt | - | - | - | - | - | - | - | $5.59B | $5.95B | $4.79B |
| Total debt | $4.31B | $5.56B | $5.29B | $8.01B | $7.44B | $2.81B | $2.85B | $5.73B | $6.08B | $5.60B |
| Total liabilities | $19.34B | $19.84B | $20.22B | $23.14B | $19.66B | $21.02B | $24.91B | $28.06B | $28.83B | $23.86B |
| Shareholders' equity | $3.33B | $3.05B | $2.92B | $2.27B | $2.09B | $1.52B | $1.59B | $2.33B | $1.86B | $1.66B |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $2.09B | $1.86B | $1.99B | $1.85B | $1.54B | $1.88B | $1.22B | $2.75B | $2.60B | $2.13B |
| Capital expenditures | - | - | - | $68.00M | $84.00M | $54.00M | $142.00M | $199.80M | $225.40M | $207.00M |
| Free cash flow | - | - | - | $1.78B | $1.46B | $1.83B | $1.08B | $2.56B | $2.37B | $1.92B |
| Investing cash flow | -$1.37B | -$1.17B | $788.00M | -$5.11B | -$1.69B | $1.77B | $2.86B | -$1.87B | -$4.27B | -$4.29B |
| Financing cash flow | -$807.00M | -$592.00M | -$3.09B | $3.27B | $608.00M | -$4.17B | -$4.09B | -$1.22B | $4.00B | $2.64B |
| Dividends paid | $40.00M | $43.00M | $42.00M | $43.00M | $42.00M | $61.00M | $127.00M | $125.20M | $115.50M | $30.00M |
| Share repurchases | $313.00M | $55.00M | $35.00M | $12.00M | $0 | - | $976.00M | $443.20M | $553.70M | $798.80M |
| Stock-based compensation | $56.00M | $54.00M | $44.00M | $33.00M | $29.00M | $21.00M | $55.00M | $80.80M | $75.10M | $76.50M |
| Depreciation and amortization | $80.00M | $90.00M | $116.00M | $113.00M | $123.00M | $184.00M | $249.00M | $487.30M | $497.60M | $512.10M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | 0.2% | -10.5% | 12.1% | 16.9% | -0.8% | -18.6% | -28.5% | 3.5% | -23.3% | 10.8% |
| Net income growth, YoY | 87.0% | -61.4% | 222.0% | -72.2% | 274.3% | -23.0% | -71.1% | 22.1% | 52.9% | -13.5% |
| EPS growth, YoY | 98.4% | -61.7% | 221.5% | -72.2% | 259.2% | -18.3% | -68.8% | 24.0% | 92.1% | -17.1% |
| Gross margin | - | - | - | - | - | 37.0% | 33.6% | 55.2% | 54.9% | 40.1% |
| Operating margin | - | - | - | - | - | 9.1% | 16.3% | 31.0% | 27.7% | 17.7% |
| Net margin | 13.5% | 7.2% | 16.7% | 5.8% | 24.5% | 6.5% | 6.9% | 17.0% | 14.4% | 7.2% |
| Free cash flow margin | - | - | - | 46.5% | 44.6% | 55.5% | 26.6% | 45.1% | 43.4% | 26.9% |
| Return on equity | 15.6% | 9.1% | 24.6% | 9.8% | 38.4% | 14.1% | 17.5% | 41.3% | 42.5% | 31.1% |
| Return on assets | 2.3% | 1.2% | 3.1% | 0.9% | 3.7% | 0.9% | 1.0% | 3.2% | 2.6% | 2.0% |
| Current ratio | - | - | - | - | - | 1.88 | 2.03 | 2.15 | 2.43 | 2.12 |
| Debt to equity | 1.29 | 1.82 | 1.81 | 3.54 | 3.57 | 1.84 | 1.79 | 2.46 | 3.28 | 3.38 |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.02B | $993.00M | $1.02B | $975.00M | $971.00M | $929.00M | $970.00M | $925.00M | $983.00M | $939.00M | $991.00M | $1.02B |
| Interest expense | - | - | - | - | - | - | - | - | - | - | $248.00M | $238.00M |
| Pre-tax income | $209.00M | $197.00M | $243.00M | $47.00M | $196.00M | $174.00M | $197.00M | -$27.00M | $40.00M | $180.00M | $188.00M | $18.00M |
| Income tax | $53.00M | $51.00M | $62.00M | -$6.00M | $8.00M | $35.00M | $55.00M | -$34.00M | $37.00M | $47.00M | $53.00M | -$26.00M |
| Net income | $156.00M | $146.00M | $181.00M | $54.00M | $188.00M | $139.00M | $138.00M | $7.00M | $2.00M | $133.00M | $134.00M | $43.00M |
| EPS, basic | $3.91 | $3.62 | $4.19 | $1.25 | $4.04 | $2.97 | $2.81 | $0.13 | $0.05 | $2.69 | $2.71 | $0.90 |
| EPS, diluted | $3.82 | $3.55 | $4.15 | $1.21 | $3.96 | $2.94 | $2.78 | $0.08 | $0.05 | $2.66 | $2.70 | $0.89 |
| Diluted shares | 39.3M | 40.7M | 43.2M | - | 47.5M | 47.2M | 49.6M | - | 51.0M | 50.2M | 49.7M | - |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $3.96B | $3.68B | $3.64B | $3.60B | $3.76B | $3.80B | $4.21B | $3.71B | $3.45B | $4.05B | $3.79B | $3.59B |
| Short-term investments | - | - | - | $26.00M | - | - | - | $272.00M | - | - | - | $250.00M |
| Goodwill | - | - | - | $634.00M | - | - | - | $634.00M | - | - | - | $634.00M |
| Total assets | $23.29B | $22.45B | $22.31B | $22.66B | $21.71B | $21.82B | $22.38B | $22.89B | $21.74B | $22.14B | $22.30B | $23.14B |
| Total debt | - | - | - | $4.31B | $3.79B | $4.23B | $5.12B | $5.56B | $4.58B | - | - | $5.29B |
| Total liabilities | $19.85B | $19.09B | $18.98B | $19.34B | $18.40B | $18.66B | $19.31B | $19.84B | $18.62B | $18.97B | $19.27B | $20.22B |
| Shareholders' equity | $3.44B | $3.37B | $3.33B | $3.33B | $3.32B | $3.17B | $3.07B | $3.05B | $3.11B | $3.17B | $3.03B | $2.92B |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $601.00M | $533.00M | $487.00M | $568.00M | $605.00M | $526.00M | $393.00M | $479.00M | $456.00M | $477.00M | $447.00M | $617.00M |
| Investing cash flow | -$673.00M | -$672.00M | $317.00M | -$1.50B | -$338.00M | -$221.00M | $691.00M | -$1.35B | -$569.00M | $31.00M | $720.00M | -$1.79B |
| Financing cash flow | $519.00M | -$59.00M | -$475.00M | $784.00M | -$306.00M | -$723.00M | -$562.00M | $1.11B | -$488.00M | -$244.00M | -$975.00M | $1.40B |
| Dividends paid | $10.00M | $9.00M | $10.00M | $10.00M | $10.00M | $10.00M | $10.00M | $11.00M | $10.00M | $11.00M | $11.00M | $10.00M |
| Share repurchases | $76.00M | $243.00M | $153.00M | $123.00M | $40.00M | $47.00M | $103.00M | $44.00M | $0 | $0 | $11.00M | $0 |
| Stock-based compensation | $15.00M | $16.00M | $15.00M | $15.00M | $13.00M | $15.00M | $13.00M | $13.00M | $13.00M | $13.00M | $15.00M | $12.00M |
| Depreciation and amortization | $17.00M | $19.00M | $19.00M | $19.00M | $20.00M | $20.00M | $21.00M | $22.00M | $22.00M | $23.00M | $23.00M | $24.00M |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | 4.7% | 6.9% | 4.9% | 5.4% | -1.2% | -1.1% | -2.1% | -9.0% | -4.7% | -1.4% | -23.1% | -1.6% |
| Net income growth, YoY | -17.0% | 5.0% | 31.2% | 671.4% | 9300.0% | 4.5% | 3.0% | -83.7% | -98.8% | 177.1% | -70.5% | - |
| EPS growth, YoY | -3.5% | 20.7% | 49.3% | - | 7820.0% | 10.5% | 3.0% | - | -98.5% | 180.0% | -70.3% | - |
| Net margin | 15.3% | 14.7% | 17.8% | 5.5% | 19.4% | 15.0% | 14.2% | 0.8% | 0.2% | 14.2% | 13.5% | 4.2% |
| Debt to equity | - | - | - | 1.29 | 1.14 | 1.34 | 1.67 | 1.82 | 1.47 | - | - | 1.81 |
Source: XBRL data Bread Financial Holdings Inc. files with the SEC, latest filing dated Oct 27, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.
* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.
Per-share figures are as filed. The filings show no stock split in these periods.
EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.
| Company | Revenue | Growth | Net income | Net margin | Market cap |
|---|---|---|---|---|---|
| BFH | $4.00B | +5.5% | $537.00M | 13.4% | $3.87B |
| AXP | $77.59B | +10.2% | $12.26B | 15.8% | $215.24B |
| SPGI | $17.21B | +18.2% | $4.99B | 29.0% | $135.62B |
| MCO | $8.18B | +9.0% | $2.88B | 35.3% | $87.18B |
| NU | $15.77B | +37.0% | $2.87B | 18.2% | $58.39B |
| RKT | $11.46B | +90.4% | $1.30B | 11.4% | $42.74B |
| COIN | $5.63B | -26.6% | -$701.62M | -12.5% | $35.68B |
| AFRM | $4.59B | +32.7% | $2.01B | 43.9% | $23.08B |
| SYF | $19.31B | +2.6% | $3.33B | 17.3% | $22.96B |