Financials in USD. Standardized financial statements.
A compact view of how Bread Financial Holdings, Inc. turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $4.70B | $4.80B | $5.17B | $4.37B | $3.27B | $3.30B | $3.35B | $5.67B | $5.47B | $7.14B |
| Revenue Growth? | -2.1% | -7.3% | +18.3% | +33.7% | -0.8% | -1.5% | -40.9% | +3.5% | -23.3% | 0.0% |
| Cost of Revenue? | $1.72B | $2.36B | $2.11B | $2.10B | $1.59B | $2.57B | $3.26B | $3.08B | $2.92B | $4.71B |
| Gross Profit? | $2.98B | $2.44B | $3.07B | $2.28B | $2.06B | $1.95B | $2.32B | $2.59B | $2.55B | $2.43B |
| Gross Margin? | +63.3% | +50.9% | +59.3% | +52.0% | +63.1% | +59.1% | +69.4% | +45.7% | +46.6% | +34.1% |
| Operating Expenses? | $2.36B | $2.06B | $2.10B | $1.98B | $633.00M | -$161.60M | -$1.22B | $829.80M | $1.03B | $1.17B |
| Operating Income? | $614.00M | $381.00M | $968.00M | $300.00M | $1.04B | $888.40M | $1.31B | $1.76B | $1.52B | $1.27B |
| EBITDA? | $694.00M | $471.00M | $1.08B | $413.00M | $1.17B | $549.00M | $994.00M | $1.70B | $1.56B | $1.35B |
| Income Before Tax | $614.00M | $381.00M | $968.00M | $300.00M | $1.04B | $301.00M | $662.00M | $1.22B | $1.06B | $837.00M |
| Income Tax Expense | $92.00M | $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? | $11.13 | $5.58 | $14.42 | $4.47 | $16.12 | $4.47 | $11.45 | $17.54 | $14.17 | $7.37 |
| Diluted EPS? | $10.96 | $5.50 | $14.36 | $4.46 | $16.02 | $4.46 | $11.45 | $17.48 | $14.10 | $7.34 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality