Company Analysis

Bread Financial Holdings, Inc. (BFH)

NYSE: BFH · Personal Credit Institutions · Columbus, OH · filing with the SEC since 2000
Grade4.2
◀ Past 3.2● Present 5.4▶ Future 4.0

Income statement, as filed

In millions of US dollars (USD), as filed; per-share figures in US dollars; share counts in millions. The fiscal year ends in December.
Income statement, by fiscal year, newest first
Fiscal yearFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Period endingDec 31, 2025Dec 31, 2024Dec 31, 2023Dec 31, 2022Dec 31, 2021Dec 31, 2020Dec 31, 2019Dec 31, 2018Dec 31, 2017Dec 31, 2016
Report filedFeb 13, 2026Feb 14, 2025Feb 20, 2024Feb 28, 2023Feb 25, 2022Feb 26, 2021Feb 28, 2020Feb 26, 2019Feb 27, 2018Feb 27, 2017
Revenue3,845.03,838.04,289.03,826.03,272.03,298.04,050.05,666.6r5,474.7r7,138.1
For lenders
Interest and dividend income4,912.05,024.05,145.04,684.03,868.03,952.0r4,827.0r11.6··
Interest expense on deposits and borrowings854.0960.0879.0503.0······
Net interest income4,058.04,064.04,266.04,181.03,485.03,453.04,189.0···
Provision for credit losses1,242.01,397.01,229.01,594.0544.01,266.0r1,188.0r1,016.01,140.1940.5
Noninterest income···-355.0-213.0-155.0-139.0···
Noninterest expense1,988.02,060.02,092.01,932.01,684.01,731.02,200.0···
Cost of revenue·····2,077.32,687.82,537.2r2,469.5r4,276.8
General and administrative·····105.7150.6162.5r159.3r143.2
Total costs and expenses·····3,633.04,273.93,909.3r3,956.8r5,872.6
Operating income·····301.0r662.0r1,757.3r1,517.9r1,265.5
Interest expense··879.0503.0383.0499.0r638.0r542.3r455.4r428.5
Interest income (expense), net········-564.4-428.5
Share of profit of equity-method investments0.00.0-6.0-44.02.00.0····
Income before income taxes615.0381.0968.0300.01,044.0301.0r662.0r1,215.0r1,062.5r837.0
Income tax expense94.0102.0231.076.0247.093.0r156.0r269.5r293.3r319.4
Income from continuing operations521.0279.0737.0224.0797.0208.0r506.0r945.5769.2·
Income from discontinued operations-3.0-2.0-19.0-1.04.06.0r-228.0r17.619.5·
Net income including non-controlling interests··718.0223.0801.0214.0r278.0963.1788.7517.6
Net income518.0277.0718.0223.0801.0214.0r278.0963.1788.7·
Preferred dividends······3.0r···
Net income to common shareholders····801.0214.0r269.0r963.1788.7515.8
Earnings per share, basic11.075.5814.394.4716.094.475.38r17.5614.177.37
Earnings per share, diluted10.895.4914.344.4616.024.465.4617.4914.107.34
Weighted average shares, basic46.849.649.849.949.747.850.054.955.758.6
Weighted average shares, diluted47.650.450.050.050.047.950.955.155.958.9
As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. r restated by the company in a later report; b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.
What each line is, and the XBRL concept behind it
Revenue what customers paid for what it soldus-gaap:RevenuesNetOfInterestExpense
us-gaap:Revenues
Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating
Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating
Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet
Provision for credit losses set aside for loans that may not be repaidus-gaap:ProvisionForLoanLossesExpensed
us-gaap:ProvisionForLoanLeaseAndOtherLosses
Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome
Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense
Cost of revenue what it cost to make or buy what it soldus-gaap:CostOfRevenue
General and administrative the cost of running the company itselfus-gaap:GeneralAndAdministrativeExpense
Total costs and expenses every operating cost, the cost of revenue includedus-gaap:CostsAndExpenses
Operating income profit from running the business, before interest and taxus-gaap:OperatingIncomeLoss
Interest expense what its borrowing costus-gaap:InterestExpense
Interest income (expense), net interest earned less interest paid, outside the businessus-gaap:InterestIncomeExpenseNonoperatingNet
Share of profit of equity-method investments its share of companies it partly ownsus-gaap:IncomeLossFromEquityMethodInvestments
Income before income taxes profit before taxus-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit
Income from continuing operations profit from the businesses it keepsus-gaap:IncomeLossFromContinuingOperations
Income from discontinued operations profit or loss from businesses it sold or closedus-gaap:IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity
Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss
Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss
Preferred dividends paid to preferred holders before common shareholdersus-gaap:PreferredStockDividendsIncomeStatementImpact
Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic
Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic
Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted
Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic
Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding
SI Assistanton BFH · research, not advice