BREAD FINANCIAL HOLDINGS, INC.BFHEarnings & Financial Report

NYSE · financial services

Bread Financial Holdings, Inc. is an American publicly traded provider of private label credit cards, coalition loyalty programs, and direct marketing, derived from the capture and analysis of transaction-rich data.

Revenue

$975.0M

Gross Profit

N/A

Operating Profit

$48.0M

Net Profit

$53.0M

Gross Margin

N/A

Operating Margin

4.9%

Net Margin

5.4%

YoY Growth

5.4%

EPS

$1.21

Financial Flow

BREAD FINANCIAL HOLDINGS, INC. Q4 2025 Financial Summary

BREAD FINANCIAL HOLDINGS, INC. reported revenue of $975.0M for Q4 2025, with a net profit of $53.0M (5.4% margin). Cost of goods sold was N/A, operating expenses totaled N/A.

Key Financial Metrics

Total Revenue	$975.0M
Net Profit	$53.0M
Gross Margin	N/A
Operating Margin	4.9%
Report Period	Q4 2025

BREAD FINANCIAL HOLDINGS, INC. Annual Revenue by Year

BREAD FINANCIAL HOLDINGS, INC. annual revenue history includes year-by-year totals (for example, 2025 revenue was $3.8B).

Year	Annual Revenue
2025	$3.8B
2024	$3.8B
2023	$4.3B
2022	$3.8B

Income Statement

	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025
Revenue	$991.0M	$939.0M	$983.0M	$925.0M	$970.0M	$929.0M	$971.0M	$975.0M
YoY Growth	-23.1%	-1.4%	-4.7%	-9.0%	-2.1%	-1.1%	-1.2%	5.4%

Balance Sheet

	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025
Assets	$22.30B	$22.14B	$21.74B	$22.89B	$22.38B	$21.82B	$21.71B	$22.66B
Liabilities	$19.27B	$18.97B	$18.62B	$19.84B	$19.31B	$18.66B	$18.40B	$19.34B
Equity	$3.03B	$3.17B	$3.11B	$3.05B	$3.07B	$3.17B	$3.32B	$3.33B