Bread Financial Holdings, Inc.
BFH · NYSE
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $4,798 | $5,174 | $4,373 | $3,655 |
| % Growth | -7.3% | 18.3% | 19.6% | – |
| Cost of Goods Sold | $2,357 | $2,108 | $2,097 | $1,593 |
| Gross Profit | $2,441 | $3,066 | $2,276 | $2,062 |
| % Margin | 50.9% | 59.3% | 52% | 56.4% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $897 | $867 | $779 | $671 |
| SG&A Expenses | $1,044 | $1,028 | $959 | $831 |
| Sales & Mktg Exp. | $147 | $161 | $180 | $160 |
| Other Operating Expenses | $1,016 | $1,070 | $1,017 | -$198 |
| Operating Expenses | $2,060 | $2,098 | $1,976 | $633 |
| Operating Income | $381 | $968 | $300 | $1,044 |
| % Margin | 7.9% | 18.7% | 6.9% | 28.6% |
| Other Income/Exp. Net | $0 | $0 | $0 | -$519 |
| Pre-Tax Income | $381 | $968 | $300 | $1,044 |
| Tax Expense | $102 | $231 | $76 | $247 |
| Net Income | $277 | $718 | $223 | $801 |
| % Margin | 5.8% | 13.9% | 5.1% | 21.9% |
| EPS | 5.58 | 14.42 | 4.47 | 16.12 |
| % Growth | -61.3% | 222.6% | -72.3% | – |
| EPS Diluted | 5.5 | 14.36 | 4.46 | 16.02 |
| Weighted Avg Shares Out | 50 | 50 | 50 | 50 |
| Weighted Avg Shares Out Dil | 50 | 50 | 50 | 50 |
| Supplemental Information | – | – | – | – |
| Interest Income | $5,024 | $5,145 | $4,684 | $3,868 |
| Interest Expense | $960 | $879 | $503 | $383 |
| Depreciation & Amortization | $90 | $116 | $113 | $123 |
| EBITDA | $471 | $1,084 | $413 | $1,167 |
| % Margin | 9.8% | 21% | 9.4% | 31.9% |