Bread Financial Holdings financials
$100.07−1.17%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 |
|---|---|---|---|---|
| Revenue | $4.94B | $4.96B | $5.09B | $4.73B |
| Gross profit | $4.38B | $4.36B | $4.55B | $4.49B |
| Gross margin | 88.8% | 87.8% | 89.4% | 94.9% |
| Operating income | $1.16B | $899.0M | $1.23B | $960.0M |
| Net income | $518.0M | $277.0M | $718.0M | $223.0M |
| Net margin | 10.5% | 5.6% | 14.1% | 4.7% |
| Diluted EPS | $10.89 | $5.49 | $14.34 | $4.46 |
| EBITDA | $1.24B | $989.0M | $1.34B | $1.07B |
| Operating cash flow | $2.09B | $1.86B | $1.99B | $1.85B |
| Free cash flow | $2.09B | $1.86B | $1.99B | $1.85B |
| Diluted shares | 47.6M | 50.4M | 50.0M | 50.0M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|
| Cash & equivalents | $3.60B | $3.68B | $3.59B | $3.89B |
| Short-term investments | $0.00 | $0.00 | $0.00 | $0.00 |
| Total debt | $4.31B | $5.56B | $5.29B | $1.89B |
| Total assets | $22.66B | $22.89B | $23.14B | $25.41B |
| Total liabilities | $19.34B | $19.84B | $20.22B | $23.14B |
| Shareholders' equity | $3.33B | $3.05B | $2.92B | $2.27B |
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