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CLOSED · 21:00 ET
Market ClerkRecap
Sat Nov 7 · markets closed4 signals today227 insider buys this week · $429.6MCIRO short report next: Nov 15The week ahead

BFH-PC

BREAD FINANCIAL HOLDINGS, INC.
NYSE · FINANCIALS · PERSONAL CREDIT INSTITUTIONS
23.32
−0.24 −1.02%
USD · close Nov 6

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Financials

SEC XBRL · 63 PERIODS · WHOLE USD

By quarter

PeriodRevenueYoYGross marginOperating incomeNet incomeYoYEPSOp. cash flowCapexFree cash flowFiled
Q3 2026 · Sep 30$1B+4.7%——$156M−17.0%3.82$601M——Oct 27
Q2 2026 · Jun 30$993M+6.9%——$146M+5.0%3.55$533M——Oct 27
Q1 2026 · Mar 31$1B+4.9%——$181M+31.2%4.15$487M——Oct 27
Q4 2025 · Dec 31$975M+5.4%——$54M+671.4%1.24$568M——Feb 13
Q3 2025 · Sep 30$971M−1.2%——$188M+9300.0%3.96$605M——Oct 27
Q2 2025 · Jun 30$929M−1.1%——$139M+4.5%2.94$526M——Oct 27
Q1 2025 · Mar 31$970M−2.1%——$138M+3.0%2.78$393M——Oct 27
Q4 2024 · Dec 31derived$925M−9.0%——$7M−83.7%0.12$479M——Feb 13
Q3 2024 · Sep 30$983M———$2M—0.05$456M——Oct 28
Q2 2024 · Jun 30$939M———$133M—2.66$477M——Jul 29
Q1 2024 · Mar 31$991M———$134M—2.70$447M——Apr 29
Q4 2023 · Dec 31derived$1B———$43M—0.90$617M——Feb 13

By fiscal year

YearRevenueGross marginOperating incomeNet incomeNet marginEPSOp. cash flowCapexFree cash flowBuybacksDividends paid
FY2025 · to Dec 31$3.8B——$518M13.5%10.89$2.1B——$313M$40M
FY2024 · to Dec 31$3.8B——$277M7.2%5.49$1.9B——$55M$43M
FY2023 · to Dec 31$4.3B——$718M16.7%14.34$2B——$35M$42M
FY2022 · to Dec 31$3.8B——$223M5.8%4.46$1.8B$68M$1.8B$12M$43M
FY2021 · to Dec 31$3.3B——$801M24.5%16.02$1.5B$84M$1.5B$0$42M
FY2020 · to Dec 31$4.5B54.1%$301M$214M4.7%4.46$1.9B$54M$1.8B—$61M

Every number comes from BREAD FINANCIAL HOLDINGS, INC.'s own XBRL-tagged filings with the SEC, not a data vendor. Quarters marked derived are the fiscal year minus the three reported quarters, the same way every data provider computes Q4. Restated figures replace originals as later filings arrive.

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