BFH
Income statement / Annual
Last year (2024), Bread Financial Holdings, Inc.'s total revenue was $4.80 B,
a decrease of 7.27% from the previous year.
In 2024, Bread Financial Holdings, Inc.'s net income was $277.00 M.
See Bread Financial Holdings, Inc.,s key income statements, including revenue, expenses, profit, and income.
| Period |
FY-2024
|
FY-2023
|
FY-2022
|
FY-2021
|
FY-2020
|
FY-2019
|
FY-2018
|
FY-2017
|
FY-2016
|
FY-2015
|
| Period Ended |
12/31/2024 |
12/31/2023 |
12/31/2022 |
12/31/2021 |
12/31/2020 |
12/31/2019 |
12/31/2018 |
12/31/2017 |
12/31/2016 |
12/31/2015 |
| Operating Revenue |
$4.80 B |
$5.17 B |
$4.37 B |
$3.66 B |
$2.03 B |
$3.35 B |
$5.67 B |
$5.47 B |
$7.14 B |
$6.44 B |
| Cost of Revenue |
$2.36 B
|
$2.11 B
|
$2.10 B
|
$1.59 B
|
$0.00
|
$3.26 B
|
$3.08 B
|
$2.92 B
|
$4.71 B
|
$4.14 B
|
| Gross Profit |
$2.44 B
|
$3.07 B
|
$2.28 B
|
$2.06 B
|
$2.03 B
|
$2.32 B
|
$2.59 B
|
$2.55 B
|
$2.43 B
|
$2.30 B
|
| Gross Profit Ratio |
0.51
|
0.59
|
0.52
|
0.56
|
1
|
0.69
|
0.46
|
0.47
|
0.34
|
0.36
|
| Research and Development Expenses |
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
| General & Administrative Expenses |
$897.00 M
|
$867.00 M
|
$779.00 M
|
$671.00 M
|
$191.00 M
|
$721.00 M
|
$162.50 M
|
$159.30 M
|
$143.20 M
|
$138.50 M
|
| Selling & Marketing Expenses |
$147.00 M
|
$161.00 M
|
$180.00 M
|
$160.00 M
|
$143.00 M
|
$205.00 M
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
| Selling, General & Administrative Expenses |
$1.04 B
|
$1.03 B
|
$959.00 M
|
$831.00 M
|
$334.00 M
|
$926.00 M
|
$162.50 M
|
$159.30 M
|
$143.20 M
|
$138.50 M
|
| Other Expenses |
$1.02 B
|
$1.07 B
|
$1.02 B
|
-$198.00 M
|
$715.00 M
|
-$2.14 B
|
$667.30 M
|
$872.60 M
|
$1.02 B
|
$894.80 M
|
| Operating Expenses |
$2.06 B
|
$2.10 B
|
$1.98 B
|
$633.00 M
|
$1.05 B
|
-$1.22 B
|
$829.80 M
|
$1.03 B
|
$1.17 B
|
$1.03 B
|
| Cost And Expenses |
$4.42 B
|
$4.21 B
|
$4.07 B
|
$2.23 B
|
$1.05 B
|
$2.04 B
|
$3.91 B
|
$3.96 B
|
$5.87 B
|
$5.18 B
|
| Interest Income |
$5.02 B
|
$5.15 B
|
$4.68 B
|
$3.87 B
|
$0.00
|
$4.83 B
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
| Interest Expense |
$960.00 M
|
$879.00 M
|
$503.00 M
|
$383.00 M
|
$499.00 M
|
$638.00 M
|
$156.40 M
|
$173.70 M
|
$218.20 M
|
$179.50 M
|
| Depreciation & Amortization |
$90.00 M
|
$116.00 M
|
$113.00 M
|
$123.00 M
|
$0.00
|
$249.00 M
|
$487.30 M
|
$497.60 M
|
$512.10 M
|
$492.20 M
|
| EBITDA |
$471.00 M |
$1.08 B |
$413.00 M |
$1.17 B |
$0.00 |
$994.00 M |
$1.70 B |
$1.56 B |
$1.35 B |
$1.49 B |
| EBITDA Ratio |
0.1
|
0.21
|
0.09
|
0.32
|
0
|
0.3
|
0.3
|
0.28
|
0.19
|
0.23
|
| Operating Income Ratio |
0.08
|
0.19
|
0.07
|
0.29
|
0.48
|
0.39
|
0.31
|
0.28
|
0.18
|
0.2
|
| Total Other Income/Expenses Net |
$0.00
|
$0.00
|
$0.00
|
-$519.00 M
|
-$682.00 M
|
-$645.40 M
|
-$542.30 M
|
-$455.40 M
|
-$428.50 M
|
-$330.20 M
|
| Income Before Tax |
$381.00 M
|
$968.00 M
|
$300.00 M
|
$1.04 B
|
$301.00 M
|
$662.00 M
|
$1.22 B
|
$1.06 B
|
$837.00 M
|
$931.60 M
|
| Income Before Tax Ratio |
0.08
|
0.19
|
0.07
|
0.29
|
0.15
|
0.2
|
0.21
|
0.19
|
0.12
|
0.14
|
| Income Tax Expense |
$102.00 M
|
$231.00 M
|
$76.00 M
|
$247.00 M
|
$93.00 M
|
$156.00 M
|
$269.50 M
|
$293.30 M
|
$319.40 M
|
$326.20 M
|
| Net Income |
$277.00 M
|
$718.00 M
|
$223.00 M
|
$801.00 M
|
$214.00 M
|
$278.00 M
|
$963.10 M
|
$788.70 M
|
$515.80 M
|
$596.50 M
|
| Net Income Ratio |
0.06
|
0.14
|
0.05
|
0.22
|
0.11
|
0.08
|
0.17
|
0.14
|
0.07
|
0.09
|
| EPS |
5.58 |
14.42 |
4.47 |
16.12 |
4.47 |
11.45 |
17.54 |
14.17 |
7.37 |
8.91 |
| EPS Diluted |
5.5 |
14.36 |
4.46 |
16.02 |
4.46 |
11.45 |
17.48 |
14.1 |
7.34 |
8.85 |
| Weighted Average Shares Out |
$49.60 M
|
$49.80 M
|
$49.90 M
|
$49.70 M
|
$47.80 M
|
$50.00 M
|
$54.90 M
|
$55.70 M
|
$58.60 M
|
$61.90 M
|
| Weighted Average Shares Out Diluted |
$50.40 M
|
$50.00 M
|
$50.00 M
|
$50.00 M
|
$47.90 M
|
$50.00 M
|
$55.10 M
|
$55.90 M
|
$58.90 M
|
$62.30 M
|
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