Name: BFH-PA Income Statement - Bread Financial Holdings. Revenue & EPS | Ledgeburg
Creator: Ledgeburg
License: https://creativecommons.org/licenses/by/4.0/
Keywords: Revenue, Cost of Revenue, Gross Profit, Operating Expenses, Operating Income, Net Income, EPS Basic, EPS Diluted

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BFH-PA - Bread Financial Holdings. Inc.

USD | NYSE | Financial Services

BFH-PA Income Statement - Bread Financial Holdings. Revenue & EPS | Ledgeburg

(in millions of USD, except per-share data)	Q1 FY 26	Q4 FY 25	Q3 FY 25	Q2 FY 25	Q1 FY 25	Q4 FY 24	Q3 FY 24	Q2 FY 24	Q1 FY 24	Q4 FY 23	Q3 FY 23	Q2 FY 23	Q1 FY 23	Q4 FY 22	Q3 FY 22	Q2 FY 22	Q1 FY 22	Q4 FY 21	Q3 FY 21	Q2 FY 21	Q1 FY 21	Q4 FY 20	Q3 FY 20	Q2 FY 20	Q1 FY 20	Q4 FY 19	Q3 FY 19	Q2 FY 19	Q1 FY 19	Q4 FY 18	Q3 FY 18	Q2 FY 18	Q1 FY 18	Q4 FY 17	Q3 FY 17	Q2 FY 17	Q1 FY 17	Q4 FY 16	Q3 FY 16	Q2 FY 16
Revenues
Revenues	1,018.0	975.0	971.0	929.0	970.0	925.0	983.0	939.0	991.0	1,017.0	1,031.0	952.0	1,289.0	1,033.0	979.0	893.0

Source: SEC EDGAR company filings. Figures as reported (US GAAP)

(in millions of USD, except per-share data)	TTM	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014	FY2013	FY2012	FY2011	FY2010	FY2009
Revenues
Revenues	3,893.0	3,845.0	3,838.0	4,289.0	3,826.0	3,272.0	4,521.4	5,581.3	5,666.6	5,474.7	7,138.1	6,439.7	5,302.9	4,319.1	3,641.4	3,173.3	2,791.4	1,964.3
Cost of Revenue	-	-	-	-	-	-	2,077.3	2,687.8	2,537.2	2,469.5	4,276.8	3,814.4	3,218.8	2,549.2	2,106.6	1,811.9	1,545.4	1,354.1
Gross Profit	-	-	-	-	-	-	2,444.1	2,893.5	3,129.4	3,005.2	2,861.3	2,625.3	2,084.1	1,769.9	1,534.8	1,361.4	1,246.0
Operating Expenses
Research & Development	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income
Operating Income	-	-	-	-	-	-	301.0	662.0	1,757.3	1,517.9	1,265.5	1,261.8	1,098.4	1,098.9
Non-Operating
Interest Income	4,941.0	4,912.0	5,024.0	5,145.0	4,684.0	3,868.0	3,952.0	4,827.0	11.6	-	-	-	-	-	-
Tax & Net
Income Tax Expense	101.0	94.0	102.0	231.0	76.0	247.0	93.0	156.0	269.5	293.3	319.4	326.2	321.8	297.2	260.6
Per Share
EPS Basic	13.06	11.07	5.58	14.39	4.47	16.09	4.47	5.38	17.56	14.17	7.37	8.91	8.72	10.09	8.44	6.22
Supplementary Data
EBITDA	-	-	-	-	-	-	485.0	911.0	2,244.6	2,015.5	1,777.6	1,754.0	1,411.5	1,315.0	1,141.2	965.8

Source: SEC EDGAR company filings. Figures as reported (US GAAP)

Operating Expenses
Research & Development	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Selling General & Administrative	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Selling & Marketing	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
General & Administrative	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	19.0	19.0	20.0	20.0	21.0	22.0	22.0	23.0	23.0	24.0	23.0	35.0	34.0	33.0	29.0	30.0
Amortization of Intangibles	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Operating Income
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	382.8	473.3	503.1	(328.7)	291.0	174.7	164.0	(336.4)	304.2	337.3	356.9	508.5	479.8	396.7	372.3	335.2	478.9	351.4	352.4	179.6	421.0	320.6

Non-Operating
Interest Income	1,260.0	1,245.0	1,242.0	1,194.0	1,231.0	1,219.0	1,277.0	1,228.0	1,300.0	1,312.0	1,301.0	1,197.0	1,335.0	1,325.0	1,218.0	1,073.0	1,068.0	1,017.0	994.0	915.0	942.0	3,942.4	3.3	3.1	3.2	4,817.7	3.2	3.1	3.0	3.1	2.9	2.9	2.7	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	248.0	237.0	219.0	205.0	218.0	196.0	133.0	95.0	79.0	85.0
Income From Equity Investments	-	-	-	-	-	0.0	0.0	0.0	0.0	0.0	0.0	0.0	(6.0)	0.0	(11.0)	(21.0)
Other Non-Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Pre-Tax Income	243.0	48.0	196.0	174.0	197.0	(27.0)	40.0	180.0	188.0	19.0	225.0	86.0	638.0	(207.0)	189.0	16.0

Tax & Net
Income Tax Expense	62.0	(4.0)	8.0	35.0	55.0	(35.0)	37.0	47.0	53.0	(26.0)	52.0	22.0	183.0	(74.0)	55.0	4.0	91.0	4.0	53.0	91.0	99.0	46.4	42.6	8.6	(4.6)	27.2	42.6	51.4	34.8	111.9	54.3	39.3	64.0	35.9	100.4	76.2	80.8	51.4	105.2	76.2
Net Income From Continuing Ops	181.0	52.0	188.0	139.0	142.0	8.0	3.0	133.0	135.0	45.0	173.0	64.0	455.0	(133.0)	134.0	12.0	211.0
Net Income From Discontinued Ops	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Income	181.0	53.0	188.0	139.0	138.0	8.0	2.0	133.0	134.0	44.0	171.0	48.0	455.0	(133.0)	134.0	12.0	210.0
Net Income Attributable To Parent	181.0	53.0	188.0	139.0	138.0	8.0	2.0	133.0	134.0	44.0	171.0	48.0	455.0	(133.0)	134.0	12.0
Less: Minority Interest	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Less: Preferred Dividends	2.0	-	-	-	0.0	-	-	-	-	-	-	-	-	-	-	-	-
Net Income To Common Shareholders	179.0	53.0	188.0	139.0	138.0	8.0	2.0	133.0	134.0	44.0	171.0	48.0	455.0	(133.0)	134.0

Per Share
EPS Basic	4.19	-	4.04	2.97	2.81	-	0.05	2.69	2.71	-	3.44	0.95	9.10	-	2.69	0.25	4.22	-	4.50	5.50	5.76	-	2.79	0.81	0.63	-	(2.22)	2.65	2.81	-	5.41	3.94	2.96	-	4.21	2.48	2.60	-	3.56	1.24
EPS Diluted	4.15	-	3.96	2.94	2.78	-	0.05	2.66	2.70	-	3.42	0.95	9.08	-	2.69	0.25	4.20	-
Shares Basic	42.8	-	46.5	46.7	49.0	-	49.7	49.6	49.5	-	49.9	50.1	50.0	-	49.8	49.8	49.9	-
Shares Diluted	43.2	-	47.5	47.2	49.6	-	51.0	50.2	49.7	-	50.1	50.3	50.1	-	49.9	49.9	50.0	-

Supplementary Data
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	414.5	504.8	537.1	(264.9)	331.1	216.0	202.8	(245.5)	324.1	356.6	475.8	629.6	602.3	518.7	494.0	458.2	603.2	476.9	477.2	307.0	547.7	450.2
EBIT	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	382.8