Income Statement - BREAD FINANCIAL HOLDINGS, INC. (BFH)
$(Billion, Million)| Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 | Dec-15 | Dec-14 | Dec-13 | Dec-12 | Dec-11 | Dec-10 | Dec-09 | Dec-08 | Dec-07 | Dec-06 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total revenue | 4,699.00 | 3,838.00 | 4,289.00 | 3,826.00 | 3,270.00 | 3,298.00 | 3,348.00 | 5,666.60 | 5,474.70 | 7,138.10 | 6,439.70 | 5,302.90 | 4,319.06 | 3,641.39 | 3,173.29 | 2,791.42 | 1,964.34 | 2,025.25 | 1,962.16 | 1,656.82 |
| Cost of revenue | 1,723.00 | 1,397.00 | 1,229.00 | 1,594.00 | 1,593.00 | 2,571.20 | 3,256.80 | 3,079.50 | 2,924.90 | 4,705.30 | 4,144.60 | 3,479.30 | 2,854.66 | 2,398.07 | 2,110.47 | 1,863.71 | 1,498.95 | 1,422.40 | 1,374.01 | 1,142.92 |
| Gross profit | 2,976.00 | 2,441.00 | 3,060.00 | 2,232.00 | 2,062.00 | 1,950.20 | 2,324.50 | 2,587.10 | 2,549.80 | 2,432.80 | 2,295.10 | 1,823.60 | 1,464.40 | 1,243.32 | 1,062.82 | 927.71 | 465.39 | 602.86 | 588.15 | 513.90 |
| Total operating expenses | 2,362.00 | 3,838.00 | 1,467.00 | 180.00 | 633.00 | -161.60 | -1,216.20 | 829.80 | 1,031.90 | 1,167.30 | 1,033.30 | 725.20 | 365.49 | 268.95 | 250.14 | 298.49 | 57.64 | 142.27 | 166.92 | 140.52 |
| Operating income | 614.00 | 279.00 | 1,593.00 | 802.00 | 1,044.00 | 888.40 | 1,307.40 | 1,757.30 | 1,517.90 | 1,265.50 | 1,261.80 | 1,098.40 | 1,098.91 | 974.36 | 812.68 | 629.22 | 407.76 | 460.59 | 421.23 | 373.38 |
| Non-operating income (net) | 0.00 | 102.00 | -625.00 | -502.00 | 0.00 | -587.40 | -645.40 | -542.30 | -455.40 | -428.50 | -330.20 | -260.50 | -305.50 | -291.46 | -298.59 | -318.33 | -144.81 | -80.44 | -69.38 | -40.72 |
| Income before tax | 614.00 | 381.00 | 968.00 | 300.00 | 1,044.00 | 301.00 | 662.00 | 1,215.00 | 1,062.50 | 837.00 | 931.60 | 837.90 | 793.41 | 682.90 | 514.10 | 310.89 | 262.95 | 380.15 | 351.84 | 332.66 |
| Income tax expense | 92.00 | 102.00 | 231.00 | 76.00 | 247.00 | 93.00 | 156.00 | 269.50 | 293.30 | 319.40 | 326.20 | 321.80 | 297.24 | 260.65 | 198.81 | 115.25 | 86.23 | 147.60 | 137.40 | 126.26 |
| Net income | 518.00 | 277.00 | 718.00 | 223.00 | 801.00 | 214.00 | 278.00 | 963.10 | 788.70 | 515.80 | 596.50 | 506.30 | 496.17 | 422.26 | 315.29 | 193.74 | 143.73 | 206.40 | 164.06 | 189.61 |
Show Quarterly Income Statement
Income Statement - BREAD FINANCIAL HOLDINGS, INC. (BFH)
$(Billion, Million)| Mar-26 | Dec-25 | Sep-25 | Jun-25 | Mar-25 | Dec-24 | Sep-24 | Jun-24 | Mar-24 | Dec-23 | Sep-23 | Jun-23 | Mar-23 | Dec-22 | Sep-22 | Jun-22 | Mar-22 | Dec-21 | Sep-21 | Jun-21 | Mar-21 | Dec-20 | Sep-20 | Jun-20 | Mar-20 | Dec-19 | Sep-19 | Jun-19 | Mar-19 | Dec-18 | Sep-18 | Jun-18 | Mar-18 | Dec-17 | Sep-17 | Jun-17 | Mar-17 | Dec-16 | Sep-16 | Jun-16 | Mar-16 | Dec-15 | Sep-15 | Jun-15 | Mar-15 | Dec-14 | Sep-14 | Jun-14 | Mar-14 | Dec-13 | Sep-13 | Jun-13 | Mar-13 | Dec-12 | Sep-12 | Jun-12 | Mar-12 | Dec-11 | Sep-11 | Jun-11 | Mar-11 | Dec-10 | Sep-10 | Jun-10 | Mar-10 | Dec-09 | Sep-09 | Jun-09 | Mar-09 | Dec-08 | Sep-08 | Jun-08 | Mar-08 | Dec-07 | Sep-07 | Jun-07 | Mar-07 | Dec-06 | Sep-06 | Jun-06 | Mar-06 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total revenue | 1,211.00 | 1,174.00 | 1,181.00 | 1,149.00 | 1,195.00 | 1,156.00 | 1,223.00 | 1,180.00 | 1,239.00 | 1,255.00 | 1,250.00 | 1,157.00 | 1,289.00 | 1,228.00 | 1,123.00 | 1,009.00 | 921.00 | 75.50 | 851.00 | 764.00 | 802.00 | 1,109.90 | 1,050.50 | 979.30 | 1,381.80 | 1,461.00 | 1,437.60 | 1,348.50 | 1,334.20 | 2,055.90 | 1,423.10 | 1,397.20 | 1,381.70 | 2,106.20 | 1,912.40 | 1,821.80 | 1,879.00 | 1,827.60 | 1,885.60 | 1,748.80 | 1,676.10 | 1,748.85 | 1,589.10 | 1,500.60 | 1,601.20 | 1,485.75 | 1,319.13 | 1,265.16 | 1,232.90 | 1,141.09 | 1,096.45 | 1,028.09 | 1,053.44 | 971.84 | 911.49 | 866.49 | 891.57 | 847.55 | 844.84 | 740.46 | 740.44 | 755.72 | 702.44 | 669.72 | 663.54 | 540.49 | 481.43 | 457.54 | 479.45 | 523.18 | 511.23 | 507.21 | 499.25 | 613.40 | 575.53 | 481.82 | 466.35 | 531.08 | 506.58 | 490.45 | 477.23 |
| Cost of revenue | 496.00 | 199.00 | 509.00 | 494.00 | 521.00 | 648.00 | 609.00 | 531.00 | 569.00 | 720.00 | 523.00 | 541.00 | 120.00 | 887.00 | 437.00 | 499.00 | 82.00 | -190.60 | 581.30 | 596.20 | 606.20 | 715.20 | 597.80 | 620.50 | 637.80 | 846.80 | 827.50 | 798.30 | 784.40 | 1,321.50 | 790.80 | 727.20 | 723.50 | 1,303.20 | 1,211.80 | 1,151.90 | 1,167.30 | 1,316.90 | 1,153.90 | 1,131.60 | 1,102.70 | 1,116.36 | 983.10 | 977.30 | 1,068.00 | 963.95 | 828.88 | 846.30 | 840.17 | 746.54 | 702.40 | 702.75 | 702.97 | 865.26 | 573.82 | 579.52 | 592.56 | 797.70 | 476.99 | 431.25 | 404.53 | 761.58 | 385.20 | 358.71 | 361.00 | 522.67 | 326.58 | 326.57 | 321.29 | 420.40 | 335.12 | 340.96 | 324.81 | 529.52 | 401.51 | 319.87 | 293.59 | 440.29 | 357.25 | 354.35 | 330.32 |
| Gross profit | 715.00 | 975.00 | 672.00 | 655.00 | 674.00 | 508.00 | 614.00 | 649.00 | 670.00 | 535.00 | 727.00 | 616.00 | 1,335.00 | 341.00 | 686.00 | 510.00 | 933.00 | 649.10 | 518.00 | 416.20 | 478.70 | 394.70 | 452.70 | 358.80 | 744.00 | 614.20 | 610.10 | 550.20 | 549.80 | 734.40 | 632.30 | 670.00 | 658.20 | 803.00 | 700.60 | 669.90 | 711.70 | 510.70 | 731.70 | 617.20 | 573.40 | 632.49 | 606.00 | 523.30 | 533.20 | 521.80 | 490.25 | 418.86 | 392.73 | 394.55 | 394.05 | 325.34 | 350.47 | 106.59 | 337.67 | 286.96 | 299.01 | 49.85 | 367.85 | 309.21 | 335.91 | -5.86 | 317.24 | 311.01 | 302.53 | 17.82 | 154.85 | 130.97 | 158.16 | 102.79 | 176.11 | 166.25 | 174.44 | 83.88 | 174.02 | 161.95 | 172.76 | 90.78 | 149.34 | 136.09 | 146.91 |
| Total operating expenses | 472.00 | 928.00 | 476.00 | 481.00 | 477.00 | 535.00 | 574.00 | 469.00 | 482.00 | 517.00 | 502.00 | 530.00 | 39.00 | 549.00 | 497.00 | 494.00 | 31.00 | 278.90 | -113.10 | -305.50 | -307.30 | 135.90 | 161.70 | 184.10 | 580.00 | 305.20 | 305.90 | 212.90 | 192.90 | 160.20 | 152.50 | 273.30 | 285.90 | 340.30 | 221.70 | 318.50 | 359.30 | 331.00 | 310.70 | 296.60 | 229.10 | 268.41 | 318.50 | 237.60 | 208.70 | 309.31 | 168.61 | 136.32 | 110.94 | 144.81 | 105.28 | 56.16 | 59.25 | -110.14 | 73.20 | 46.42 | 46.39 | -131.45 | 140.17 | 117.42 | 124.00 | -146.49 | 147.23 | 150.63 | 144.34 | -110.70 | 61.31 | 50.39 | 56.54 | -5.17 | 56.30 | 52.07 | 55.88 | 5.57 | 107.54 | 59.73 | 52.19 | 15.31 | 60.13 | 52.91 | 47.50 |
| Operating income | 243.00 | 47.00 | 196.00 | 174.00 | 197.00 | -27.00 | 40.00 | 180.00 | 188.00 | 18.00 | 225.00 | 86.00 | 856.00 | -208.00 | 189.00 | 16.00 | 380.00 | -12.80 | 382.80 | 473.30 | 503.10 | 258.80 | 291.00 | 174.70 | 164.00 | 309.00 | 304.20 | 337.30 | 356.90 | 574.20 | 479.80 | 396.70 | 372.30 | 462.70 | 478.90 | 351.40 | 352.40 | 179.70 | 421.00 | 320.60 | 344.30 | 364.08 | 287.50 | 285.70 | 324.50 | 212.49 | 321.64 | 282.54 | 281.79 | 249.74 | 288.77 | 269.18 | 291.23 | 216.73 | 264.47 | 240.54 | 252.62 | 181.30 | 227.68 | 191.79 | 211.91 | 140.63 | 170.01 | 160.38 | 158.20 | 128.52 | 93.55 | 80.58 | 101.62 | 107.95 | 119.81 | 114.18 | 118.56 | 78.31 | 66.48 | 102.22 | 120.57 | 75.47 | 89.21 | 83.18 | 99.41 |
| Non-operating income (net) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -218.00 | 0.00 | 0.00 | 0.00 | -78.00 | 0.00 | -123.80 | -119.30 | -136.10 | -112.60 | -115.10 | -127.70 | -138.60 | -141.60 | -140.00 | -143.50 | -143.90 | -176.80 | -136.80 | -133.60 | -131.80 | -156.40 | -145.30 | -137.50 | -125.20 | -117.70 | -108.30 | -103.70 | -98.80 | -89.36 | -82.10 | -80.70 | -78.00 | -68.38 | -61.46 | -62.93 | -67.75 | -65.48 | -74.02 | -83.47 | -82.54 | -78.38 | -74.37 | -73.07 | -65.65 | -73.98 | -74.36 | -78.79 | -71.46 | -67.66 | -84.12 | -83.85 | -82.71 | -39.59 | -38.56 | -34.11 | -31.29 | -16.10 | -16.50 | -13.94 | -17.10 | -16.87 | -17.81 | -18.93 | -15.80 | -11.76 | -10.64 | -10.06 | -8.54 |
| Income before tax | 243.00 | 47.00 | 196.00 | 174.00 | 197.00 | -27.00 | 40.00 | 180.00 | 188.00 | 18.00 | 225.00 | 86.00 | 638.00 | -208.00 | 189.00 | 16.00 | 302.00 | -12.80 | 259.00 | 354.00 | 367.00 | 146.20 | 175.90 | 47.00 | 25.40 | 167.40 | 164.20 | 193.80 | 213.00 | 397.40 | 343.00 | 263.10 | 240.50 | 306.30 | 333.60 | 213.90 | 227.20 | 62.00 | 312.70 | 216.90 | 245.50 | 274.72 | 205.40 | 205.00 | 246.50 | 144.11 | 260.18 | 219.61 | 214.05 | 184.26 | 214.75 | 185.71 | 208.68 | 138.36 | 190.11 | 167.48 | 186.97 | 107.33 | 153.32 | 113.00 | 140.45 | 72.98 | 85.89 | 76.53 | 75.49 | 88.94 | 54.98 | 46.47 | 70.33 | 91.85 | 103.31 | 100.24 | 101.46 | 61.44 | 48.67 | 83.29 | 104.77 | 63.71 | 78.57 | 73.12 | 90.87 |
| Income tax expense | 62.00 | -6.00 | 8.00 | 35.00 | 55.00 | -34.00 | 37.00 | 47.00 | 53.00 | -26.00 | 52.00 | 22.00 | 183.00 | -74.00 | 55.00 | 4.00 | 91.00 | -26.40 | 53.00 | 91.00 | 99.00 | 52.90 | 42.60 | 8.60 | -4.60 | 37.00 | 42.60 | 51.40 | 34.80 | 112.50 | 54.30 | 39.30 | 64.00 | 35.00 | 100.40 | 76.20 | 80.80 | 51.40 | 105.20 | 76.20 | 86.60 | 94.54 | 75.00 | 75.00 | 81.70 | 67.86 | 95.23 | 80.42 | 78.30 | 66.39 | 81.88 | 69.27 | 79.70 | 54.69 | 70.56 | 63.66 | 71.74 | 41.42 | 59.34 | 43.97 | 54.07 | 24.37 | 32.83 | 29.21 | 28.84 | 30.40 | 9.67 | 18.09 | 27.28 | 36.46 | 39.95 | 38.29 | 38.76 | 27.50 | 19.50 | 31.75 | 40.06 | 24.10 | 29.79 | 28.33 | 34.45 |
| Net income | 181.00 | 53.00 | 188.00 | 139.00 | 138.00 | 7.00 | 2.00 | 133.00 | 134.00 | 43.00 | 171.00 | 48.00 | 455.00 | -134.00 | 134.00 | 12.00 | 210.00 | 17.60 | 224.00 | 274.00 | 286.00 | 12.00 | 133.30 | 38.40 | 30.00 | 97.50 | -107.60 | 139.00 | 149.10 | 284.90 | 296.50 | 217.80 | 163.90 | 271.30 | 233.20 | 137.70 | 146.40 | 10.60 | 207.50 | 140.70 | 157.10 | 174.22 | 128.40 | 131.30 | 162.60 | 67.21 | 164.24 | 137.44 | 137.40 | 117.87 | 132.88 | 116.44 | 128.98 | 83.66 | 119.55 | 103.82 | 115.23 | 65.91 | 93.98 | 69.02 | 86.38 | 46.70 | 53.06 | 47.32 | 46.65 | 40.65 | 45.80 | 29.44 | 27.86 | 51.85 | 69.26 | 46.97 | 49.32 | 33.94 | 29.17 | 44.09 | 56.86 | 39.61 | 48.78 | 44.80 | 56.42 |