Bread Financial Holdings financials
$100.07−1.17%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.26B | $1.28B | $1.41B | $1.20B | $1.20B | $1.23B | $1.32B | $1.22B | $1.21B | $1.28B | $1.39B | $1.26B |
| Gross profit | $1.12B | $1.15B | $1.27B | $1.06B | $1.06B | $1.09B | $1.17B | $1.07B | $1.05B | $1.12B | $1.24B | $1.11B |
| Gross margin | 89.0% | 89.6% | 90.3% | 88.4% | 88.4% | 88.8% | 88.9% | 87.5% | 87.4% | 87.9% | 88.9% | 88.6% |
| Operating income | $324.0M | $374.0M | $343.0M | $284.0M | $304.0M | $321.0M | $220.0M | $128.0M | $294.0M | $320.0M | $240.0M | $307.0M |
| Net income | $144.0M | $179.0M | $54.0M | $188.0M | $139.0M | $138.0M | $7.0M | $2.0M | $133.0M | $134.0M | $43.0M | $171.0M |
| Net margin | 11.4% | 14.0% | 3.8% | 15.7% | 11.6% | 11.2% | 0.5% | 0.2% | 11.0% | 10.5% | 3.1% | 13.6% |
| Diluted EPS | $3.55 | $4.15 | $1.17 | $3.96 | $2.94 | $2.78 | $0.14 | $0.05 | $2.66 | $2.70 | $0.87 | $3.42 |
| EBITDA | $342.0M | $393.0M | $362.0M | $303.0M | $325.0M | $342.0M | $242.0M | $150.0M | $317.0M | $343.0M | $240.0M | $330.0M |
| Operating cash flow | $533.0M | $487.0M | $568.0M | $605.0M | $526.0M | $393.0M | $479.0M | $456.0M | $477.0M | $447.0M | $617.0M | $629.0M |
| Free cash flow | $533.0M | $487.0M | $568.0M | $605.0M | $526.0M | $393.0M | $479.0M | $456.0M | $477.0M | $447.0M | $617.0M | $629.0M |
| Diluted shares | 40.7M | 43.2M | 46.1M | 47.5M | 47.2M | 49.6M | 50.7M | 51.0M | 50.2M | 49.7M | 49.5M | 50.1M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $3.68B | $3.64B | $3.60B | $3.76B | $3.80B | $4.21B |
| Short-term investments | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Total debt | $3.29B | $3.88B | $4.31B | $3.79B | $4.23B | $5.12B |
| Total assets | $22.45B | $22.31B | $22.66B | $21.71B | $21.82B | $22.38B |
| Total liabilities | $19.09B | $18.98B | $19.34B | $18.40B | $18.66B | $19.31B |
| Shareholders' equity | $3.37B | $3.33B | $3.33B | $3.32B | $3.17B | $3.07B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology