Bread Financial Holdings Inc
NYSE:BFH

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Bread Financial Holdings Inc
NYSE:BFH
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Price: 63.21 USD 0.41% Market Closed
Market Cap: 3.1B USD
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Income Statement

Earnings Waterfall
Bread Financial Holdings Inc

Revenue
4.8B USD
Cost of Revenue
-329m USD
Gross Profit
4.4B USD
Operating Expenses
-3.1B USD
Operating Income
1.4B USD
Other Expenses
-1.1B USD
Net Income
312m USD

Income Statement
Bread Financial Holdings Inc

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Income Statement
Currency: USD
Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024
Revenue
Revenue
4 958
N/A
5 303
+7%
5 671
+7%
5 907
+4%
6 177
+5%
6 440
+4%
6 515
+1%
6 763
+4%
7 059
+4%
7 138
+1%
7 341
+3%
7 414
+1%
7 441
+0%
5 475
-26%
4 977
-9%
4 553
-9%
4 064
-11%
5 667
+39%
5 619
-1%
5 570
-1%
5 585
+0%
4 688
-16%
4 736
+1%
4 366
-8%
3 979
-9%
3 797
-5%
3 324
-12%
3 209
-3%
3 100
-3%
3 655
+18%
3 746
+2%
3 870
+3%
4 040
+4%
4 329
+7%
4 576
+6%
4 711
+3%
4 849
+3%
4 810
-1%
4 803
0%
4 824
+0%
4 756
-1%
Gross Profit
Cost of Revenue
(3 004)
(3 219)
(3 436)
(3 549)
(3 683)
(3 814)
(3 829)
(3 960)
(4 104)
(4 277)
(4 315)
(4 301)
(4 322)
(2 470)
(2 019)
(1 598)
(1 186)
(2 537)
(2 578)
(2 639)
(2 628)
(479)
(352)
(191)
(31)
(396)
32
443
844
(323)
(327)
(328)
(329)
(359)
(397)
(429)
(451)
(428)
(395)
(356)
(329)
Gross Profit
1 954
N/A
2 084
+7%
2 235
+7%
2 357
+5%
2 494
+6%
2 626
+5%
2 686
+2%
2 803
+4%
2 955
+5%
2 861
-3%
3 026
+6%
3 113
+3%
3 119
+0%
3 005
-4%
2 958
-2%
2 955
0%
2 878
-3%
3 129
+9%
3 041
-3%
2 931
-4%
2 957
+1%
4 209
+42%
4 384
+4%
4 175
-5%
3 949
-5%
3 401
-14%
3 356
-1%
3 652
+9%
3 945
+8%
3 332
-16%
3 419
+3%
3 542
+4%
3 711
+5%
3 970
+7%
4 179
+5%
4 282
+2%
4 398
+3%
4 382
0%
4 408
+1%
4 468
+1%
4 427
-1%
Operating Income
Operating Expenses
(818)
(1 003)
(1 094)
(1 213)
(1 319)
(1 314)
(1 405)
(1 487)
(1 505)
(1 596)
(1 750)
(1 796)
(1 742)
(1 487)
(1 402)
(1 361)
(1 285)
(1 362)
(1 270)
(1 199)
(1 273)
(2 909)
(3 135)
(3 749)
(3 663)
(2 601)
(2 745)
(2 761)
(2 995)
(1 905)
(2 085)
(2 551)
(2 748)
(3 167)
(3 127)
(3 056)
(3 050)
(2 759)
(2 981)
(2 921)
(3 052)
Selling, General & Administrative
(126)
(264)
(244)
(256)
(258)
(154)
(136)
(138)
(138)
(143)
(158)
(148)
(142)
(159)
(142)
(154)
(161)
(152)
(148)
(139)
(116)
(926)
(913)
(898)
(907)
(752)
(929)
(1 106)
(1 280)
(831)
(840)
(884)
(927)
(959)
(1 009)
(1 025)
(1 025)
(1 028)
(1 010)
(1 000)
(1 020)
Depreciation & Amortization
(280)
(313)
(361)
(408)
(456)
(492)
(499)
(506)
(510)
(512)
(509)
(504)
(502)
(188)
(112)
(35)
40
(194)
(191)
(185)
(181)
(96)
(88)
(88)
(83)
(106)
(92)
(73)
(56)
(92)
(88)
(96)
(102)
(113)
(126)
(131)
(125)
(116)
(105)
(93)
(92)
Other Operating Expenses
(412)
(425)
(490)
(548)
(605)
(668)
(770)
(842)
(857)
(941)
(1 084)
(1 144)
(1 097)
(1 140)
(1 148)
(1 172)
(1 164)
(1 016)
(931)
(876)
(977)
(1 887)
(2 134)
(2 764)
(2 674)
(1 743)
(1 724)
(1 583)
(1 660)
(982)
(1 157)
(1 571)
(1 719)
(2 095)
(1 992)
(1 900)
(1 900)
(1 615)
(1 866)
(1 828)
(1 940)
Operating Income
1 136
N/A
1 082
-5%
1 141
+5%
1 144
+0%
1 175
+3%
1 312
+12%
1 282
-2%
1 317
+3%
1 450
+10%
1 266
-13%
1 276
+1%
1 316
+3%
1 377
+5%
1 518
+10%
1 557
+3%
1 594
+2%
1 593
0%
1 768
+11%
1 771
+0%
1 732
-2%
1 683
-3%
1 300
-23%
1 249
-4%
426
-66%
286
-33%
800
+180%
611
-24%
890
+46%
949
+7%
1 427
+50%
1 334
-7%
991
-26%
963
-3%
803
-17%
1 052
+31%
1 226
+17%
1 348
+10%
1 623
+20%
1 427
-12%
1 547
+8%
1 375
-11%
Pre-Tax Income
Interest Income Expense
(258)
(244)
(271)
(289)
(309)
(316)
(351)
(374)
(400)
(429)
(458)
(501)
(540)
(455)
(476)
(465)
(454)
(553)
(580)
(588)
(591)
(638)
(1 059)
(406)
(381)
(499)
(107)
(207)
(298)
(383)
(355)
(350)
(392)
(503)
(411)
(521)
(607)
(655)
(910)
(941)
(958)
Non-Reccuring Items
0
0
0
0
(65)
(65)
0
0
0
0
0
0
0
0
0
0
0
0
(8)
(30)
(157)
0
(143)
(119)
8
0
0
0
0
0
0
0
0
0
(6)
0
0
0
0
5
9
Total Other Income
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
427
427
427
0
139
266
381
0
0
0
0
0
0
0
0
0
0
0
0
Pre-Tax Income
878
N/A
838
-5%
870
+4%
856
-2%
801
-6%
932
+16%
931
0%
943
+1%
1 050
+11%
837
-20%
819
-2%
816
0%
837
+3%
1 063
+27%
1 080
+2%
1 130
+5%
1 139
+1%
1 215
+7%
1 183
-3%
1 114
-6%
935
-16%
662
-29%
474
-28%
328
-31%
339
+4%
301
-11%
643
+113%
950
+48%
1 033
+9%
1 044
+1%
979
-6%
641
-35%
571
-11%
300
-47%
635
+112%
705
+11%
741
+5%
968
+31%
517
-47%
611
+18%
426
-30%
Net Income
Tax Provision
(320)
(322)
(325)
(320)
(300)
(326)
(331)
(332)
(363)
(319)
(314)
(314)
(309)
(293)
(278)
(241)
(195)
(299)
(269)
(281)
(269)
(186)
(147)
(104)
(104)
(95)
(199)
(281)
(291)
(255)
(247)
(160)
(162)
(76)
(168)
(186)
(183)
(231)
(101)
(126)
(111)
Income from Continuing Operations
558
516
545
536
502
605
600
610
687
518
505
502
528
769
803
889
944
916
914
833
666
476
328
224
236
206
444
669
741
789
732
481
409
224
467
519
558
737
416
485
315
Income to Minority Interest
(1)
(25)
(44)
(41)
(42)
(54)
(54)
(123)
(121)
(85)
(68)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Net Income (Common)
557
N/A
492
-12%
501
+2%
495
-1%
460
-7%
552
+20%
545
-1%
487
-11%
566
+16%
432
-24%
438
+1%
502
+15%
528
+5%
789
+49%
806
+2%
886
+10%
950
+7%
963
+1%
948
-2%
862
-9%
457
-47%
269
-41%
150
-44%
57
-62%
299
+424%
214
-28%
470
+120%
706
+50%
796
+13%
801
+1%
725
-9%
463
-36%
373
-19%
223
-40%
467
+109%
503
+8%
540
+7%
718
+33%
396
-45%
481
+21%
312
-35%
EPS (Diluted)
9.29
N/A
7.87
-15%
7.88
+0%
7.95
+1%
7.43
-7%
8.85
+19%
9.05
+2%
8.25
-9%
9.69
+17%
7.34
-24%
7.71
+5%
9
+17%
9.49
+5%
14.1
+49%
14.52
+3%
15.99
+10%
17.26
+8%
17.47
+1%
17.82
+2%
17.84
+0%
9.36
-48%
5.28
-44%
3.14
-41%
1.19
-62%
6.25
+425%
4.46
-29%
9.43
+111%
14.11
+50%
15.92
+13%
16.02
+1%
14.5
-9%
9.27
-36%
7.47
-19%
4.46
-40%
9.32
+109%
10
+7%
10.77
+8%
14.36
+33%
7.96
-45%
9.58
+20%
6.11
-36%

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