BREAD FINANCIAL HOLDINGS, INC.BFHEarnings & Financial Report
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
$971.0M
Gross Profit
N/A
Operating Profit
$196.0M
Net Profit
$188.0M
Gross Margin
N/A
Operating Margin
20.2%
Net Margin
19.4%
YoY Growth
-1.2%
EPS
$3.96
BREAD FINANCIAL HOLDINGS, INC. Q3 FY2025 Financial Summary
BREAD FINANCIAL HOLDINGS, INC. reported revenue of $971.0M (down 1.2% YoY) for Q3 FY2025, with a net profit of $188.0M (up 9300.0% YoY) (19.4% margin).
Key Financial Metrics
| Total Revenue | $971.0M |
|---|---|
| Net Profit | $188.0M |
| Gross Margin | N/A |
| Operating Margin | 20.2% |
| Report Period | Q3 FY2025 |
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 |
BREAD FINANCIAL HOLDINGS, INC. Quarterly Revenue & Net Profit History
BREAD FINANCIAL HOLDINGS, INC. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $975.0M | +5.4% | N/A | N/A |
| Q3 FY2025 | $971.0M | -1.2% | $188.0M | 19.4% |
| Q2 FY2025 | $929.0M | -1.1% | $139.0M | 15.0% |
| Q1 FY2025 | $970.0M | -2.1% | $138.0M | 14.2% |
| Q4 FY2024 | $925.0M | -9.0% | N/A | N/A |
| Q3 FY2024 | $983.0M | -4.7% | $2.0M | 0.2% |
| Q2 FY2024 | $939.0M | -1.4% | $133.0M | 14.2% |
| Q1 FY2024 | $991.0M | -23.1% | $134.0M | 13.5% |
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 |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $447.0M | $477.0M | $456.0M | $479.0M | $393.0M | $526.0M | $605.0M | $568.0M |