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Bread Financial Holdings, Inc. income statement

In fiscal 2025, Bread Financial Holdings, Inc. reported revenue of $3.85bn, up 0.2% on the year before and net income of $518m, or $10.89 per diluted share. Every line below comes from the company's 10-K and 10-Q filings; column headings link to the filing.

Income statement

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2009Dec 20092010Dec 20102011Dec 20112012Dec 20122013Dec 20132014Dec 20142015Dec 20152016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMSept 2026
Revenue1,9642,7913,1733,6414,3195,3036,4407,1385,4755,6675,5814,5213,2723,8264,2893,8383,8454,003
Cost of revenue1,3541,5451,8122,1072,5493,2193,8144,2772,4702,5372,6882,077——————
Gross profit6101,2461,3611,5351,7702,0842,6252,8613,0053,1292,8942,444——————
General and administrative1008695108109142139143159163151106——————
Operating income4086298139741,0991,0981,2621,2661,5181,757662301——————
Interest expense145318299291306261330429455542638499383503879———
Net interest income——————————4,1893,4533,4854,1814,2664,0644,0584,248
Non-interest income——————————−139−155−213−355————
Non-interest expense——————————2,2001,7311,6841,9322,0922,0601,9881,997
Provision for credit losses03883002853464256689411,1401,0161,1881,2665441,5941,2291,3971,2421,310
Income before tax2633115146837938389328371,0631,2156623011,044300968381615696
Income tax86115199261297322326319293270156932477623110294160
Net income144194315422496506597516789963278214801223718277518537
Diluted EPS$2.49$3.48$5.45$6.58$7.42$7.87$8.85$7.34$14.10$17.49$5.46$4.46$16.02$4.46$14.34$5.49$10.89$12.69
Diluted shares (average)58m56m58m64m67m62m62m59m56m55m51m48m50m50m50m50m48m42m
EBITDA5337729661,1411,3151,4121,7541,7782,0162,245911485——————

EBITDA is operating income plus depreciation and amortisation. EPS and share counts are restated for stock splits. A dash means the company did not report the line for that period; expense lines are shown as reported, so they need not add up to the totals when a company reports other items between them.

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Figures from Bread Financial Holdings, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Bread Financial Holdings, Inc.