BFH BREAD FINANCIAL HOLDINGS INC revenue, earnings and financials

For the quarter ended June 30, 2026, BREAD FINANCIAL HOLDINGS INC reported revenue of $993M (up 6.9% from a year earlier), net income of $146M and diluted EPS of $3.55; over the last four quarters revenue was $3.96B and net income $568M; for the fiscal year ended December 2025 revenue was $3.85B, up 0.2% on the year before.

BFH annual revenue and earnings

• Fiscal year ended Dec 2025: revenue $3.85B, gross profit n/a, operating income n/a, net income $518M (margin 13.5%), EPS $10.89
• Fiscal year ended Dec 2024: revenue $3.84B, gross profit n/a, operating income n/a, net income $277M (margin 7.2%), EPS $5.49
• Fiscal year ended Dec 2023: revenue $4.29B, gross profit n/a, operating income n/a, net income $718M (margin 16.7%), EPS $14.34
• Fiscal year ended Dec 2022: revenue $3.83B, gross profit n/a, operating income n/a, net income $223M (margin 5.8%), EPS $4.46
• Fiscal year ended Dec 2021: revenue $3.27B, gross profit n/a, operating income n/a, net income $801M (margin 24.5%), EPS $16.02

BFH quarterly revenue and earnings

• Quarter ended Jun 30, 2026: revenue $993M (up 6.9% year over year), net income $146M, EPS $3.55
• Quarter ended Mar 31, 2026: revenue $1.02B (up 4.9% year over year), net income $181M, EPS $4.15
• Quarter ended Dec 31, 2025 (from the annual report): revenue $975M (up 5.4% year over year), net income $53.0M, EPS $1.21
• Quarter ended Sep 30, 2025: revenue $971M (down 1.2% year over year), net income $188M, EPS $3.96
• Quarter ended Jun 30, 2025: revenue $929M (down 1.1% year over year), net income $139M, EPS $2.94
• Quarter ended Mar 31, 2025: revenue $970M (down 2.1% year over year), net income $138M, EPS $2.78
• Quarter ended Dec 31, 2024 (from the annual report): revenue $925M (down 9.0% year over year), net income $8.00M, EPS $0.08
• Quarter ended Sep 30, 2024: revenue $983M (down 4.7% year over year), net income $2.00M, EPS $0.05
• Quarter ended Jun 30, 2024: revenue $939M (down 1.4% year over year), net income $133M, EPS $2.66
• Quarter ended Mar 31, 2024: revenue $991M (down 23.1% year over year), net income $134M, EPS $2.70
• Quarter ended Dec 31, 2023 (from the annual report): revenue $1.02B (down 1.5% year over year), net income $44.0M, EPS $0.89
• Quarter ended Sep 30, 2023: revenue $1.03B (up 5.3% year over year), net income $171M, EPS $3.42
• Quarter ended Jun 30, 2023: revenue $952M (up 6.6% year over year), net income $48.0M, EPS $0.95
• Quarter ended Mar 31, 2023: revenue $1.29B (up 40.0% year over year), net income $455M, EPS $9.08
• Quarter ended Dec 31, 2022 (from the annual report): revenue $1.03B (up 1270.0% year over year), net income −$133M, EPS −$2.68
• Quarter ended Sep 30, 2022: revenue $979M (down 10.9% year over year), net income $134M, EPS $2.69
• Quarter ended Jun 30, 2022: revenue $893M (down 11.8% year over year), net income $12.0M, EPS $0.25
• Quarter ended Mar 31, 2022: revenue $921M (down 15.1% year over year), net income $210M, EPS $4.20
• Quarter ended Dec 31, 2021 (from the annual report): revenue $75.4M, net income $17.0M, EPS $0.34
• Quarter ended Sep 30, 2021: revenue $1.10B, net income $224M, EPS $4.47

BFH cash flow, buybacks and dividends

• Fiscal year ended Dec 2025: operating cash flow $2.09B, share buybacks $313M, dividends $0.86 per share
• Fiscal year ended Dec 2024: operating cash flow $1.86B, share buybacks $55.0M, dividends $0.84 per share
• Fiscal year ended Dec 2023: operating cash flow $1.99B, share buybacks $35.0M, dividends $0.84 per share
• Fiscal year ended Dec 2022: operating cash flow $1.85B, share buybacks $12.0M, dividends $0.84 per share
• Fiscal year ended Dec 2021: operating cash flow $1.54B, share buybacks $0, dividends $0.84 per share

BFH balance sheet

• Jun 30, 2026: cash $3.68B, total assets $22.5B, total liabilities $19.1B, shareholders' equity $3.37B
• Mar 31, 2026: cash $3.64B, total assets $22.3B, total liabilities $19.0B, shareholders' equity $3.33B
• Dec 31, 2025: cash $3.60B, total assets $22.7B, total liabilities $19.3B, shareholders' equity $3.33B
• Sep 30, 2025: cash $3.76B, total assets $21.7B, total liabilities $18.4B, shareholders' equity $3.32B
• Jun 30, 2025: cash $3.80B, total assets $21.8B, total liabilities $18.7B, shareholders' equity $3.17B
• Mar 31, 2025: cash $4.21B, total assets $22.4B, total liabilities $19.3B, shareholders' equity $3.07B
• Dec 31, 2024: cash $3.68B, total assets $22.9B, total liabilities $19.8B, shareholders' equity $3.05B
• Sep 30, 2024: cash $3.45B, total assets $21.7B, total liabilities $18.6B, shareholders' equity $3.11B

What is BFH's revenue?

BREAD FINANCIAL HOLDINGS INC reported $3.96B of revenue over its last four quarters, through June 30, 2026.

Is BFH profitable?

Yes. BREAD FINANCIAL HOLDINGS INC earned $568M over the last four quarters.

What is BFH's EPS?

Diluted earnings per share over the last four quarters were $12.87; $3.55 in the latest quarter.

Does BFH pay a dividend?

BREAD FINANCIAL HOLDINGS INC paid $0.86 per share in dividends in the fiscal year ended December 2025.

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