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BFH · NYSE · Financial - Credit Services

Bread Financial (BFH)

Issuer of partner cards, direct cards, Bread Pay loans, and online savings.

$100.49

vs last close−2.20 (−2.14%)

In millions of USD, except per-share figures

In millions	Q3 FY23Sep 2023	Q4 FY23Dec 2023	Q1 FY24Mar 2024	Q2 FY24Jun 2024	Q3 FY24Sep 2024	Q4 FY24Dec 2024	Q1 FY25Mar 2025	Q2 FY25Jun 2025	Q3 FY25Sep 2025	Q4 FY25Dec 2025	Q1 FY26Mar 2026	Q2 FY26Jun 2026
Revenue	1,250	1,255	1,239	1,180	1,223	1,156	1,195	1,149	1,181	1,174	1,211	1,188
Cost of revenue	523	720	569	531	609	648	521	494	509	199	496	508
Gross profit	727	535	670	649	614	508	674	655	672	975	715	680
	502	517	482	469	574	535	477	481	476	928	472	483
	246	266	241	247	266	290	250	246	260	555	255	225
Selling & marketing	36	46	28	33	38	48	35	34	38	44	35	0
General & administrative	210	220	213	214	228	242	215	212	222	511	220	225
Other expenses	256	251	241	222	308	245	227	235	216	373	217	258
Operating income	225	18	188	180	40	−27	197	174	196	47	243	197
	0	0	0	0	0	0	0	0	0	0	0	0
Interest income	1,301	1,313	1,300	1,228	1,277	1,218	1,231	1,194	1,242	1,246	1,260	1,234
Interest expense	219	238	248	241	240	231	225	220	210	199	193	195
Income before tax	225	18	188	180	40	−27	197	174	196	47	243	197
Income tax expense	52	−26	53	47	37	−34	55	35	8	−6	62	51
Net income from continuing operations	173	44	135	133	3	7	142	139	188	53	181	146
Discontinued operations	−2	−1	−1	0	−1	0	−4	0	0	0	0	0
Net income	171	43	134	133	2	7	138	139	188	53	181	146
EPS, basic	$3.43	$0.87	$2.71	$2.68	$0.04	$0.14	$2.81	$2.98	$4.04	$1.18	$4.18	$3.61
EPS, diluted	$3.41	$0.87	$2.70	$2.65	$0.04	$0.14	$2.78	$2.94	$3.96	$1.16	$4.15	$3.55
Weighted average shares, basic	50	49	50	50	50	50	49	47	47	45	43	40
Weighted average shares, diluted	50	50	50	50	51	50	50	47	48	46	43	41
EBITDA	248	42	211	203	62	−5	218	195	215	66	262	197
Depreciation & amortization	23	24	23	23	22	22	21	21	19	19	19	0
EBIT	225	18	188	180	40	−27	197	174	196	47	243	197