Bread Financial Holdings, Inc.
BFH · NYSE
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $1,181 | $1,149 | $1,195 | $1,156 |
| % Growth | 2.8% | -3.8% | 3.4% | – |
| Cost of Goods Sold | $509 | $494 | $521 | $648 |
| Gross Profit | $672 | $655 | $674 | $508 |
| % Margin | 56.9% | 57% | 56.4% | 43.9% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $222 | $212 | $215 | $242 |
| SG&A Expenses | $260 | $246 | $250 | $290 |
| Sales & Mktg Exp. | $38 | $34 | $35 | $48 |
| Other Operating Expenses | $216 | $235 | $227 | $245 |
| Operating Expenses | $476 | $481 | $477 | $535 |
| Operating Income | $196 | $174 | $197 | -$27 |
| % Margin | 16.6% | 15.1% | 16.5% | -2.3% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $196 | $174 | $197 | -$27 |
| Tax Expense | $8 | $35 | $55 | -$34 |
| Net Income | $188 | $139 | $138 | $7 |
| % Margin | 15.9% | 12.1% | 11.5% | 0.6% |
| EPS | 4.04 | 2.98 | 2.81 | 0.14 |
| % Growth | 35.6% | 6% | 1,907.1% | – |
| EPS Diluted | 3.96 | 2.94 | 2.78 | 0.14 |
| Weighted Avg Shares Out | 47 | 47 | 49 | 50 |
| Weighted Avg Shares Out Dil | 48 | 47 | 50 | 50 |
| Supplemental Information | – | – | – | – |
| Interest Income | $1,242 | $1,194 | $1,231 | $1,218 |
| Interest Expense | $210 | $220 | $225 | $231 |
| Depreciation & Amortization | $19 | $21 | $21 | $22 |
| EBITDA | $215 | $195 | $218 | -$5 |
| % Margin | 18.2% | 17% | 18.2% | -0.4% |