Bread Financial Holdings, Inc.
BFH · NYSE
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $4,798,000 | $5,174,000 | $4,373,000 | $3,655,000 |
| % Growth | -7.3% | 18.3% | 19.6% | – |
| Cost of Goods Sold | $2,357,000 | $2,108,000 | $2,097,000 | $1,593,000 |
| Gross Profit | $2,441,000 | $3,066,000 | $2,276,000 | $2,062,000 |
| % Margin | 50.9% | 59.3% | 52% | 56.4% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $897,000 | $867,000 | $779,000 | $671,000 |
| SG&A Expenses | $1,044,000 | $1,028,000 | $959,000 | $831,000 |
| Sales & Mktg Exp. | $147,000 | $161,000 | $180,000 | $160,000 |
| Other Operating Expenses | $1,016,000 | $1,070,000 | $1,017,000 | -$198,000 |
| Operating Expenses | $2,060,000 | $2,098,000 | $1,976,000 | $633,000 |
| Operating Income | $381,000 | $968,000 | $300,000 | $1,044,000 |
| % Margin | 7.9% | 18.7% | 6.9% | 28.6% |
| Other Income/Exp. Net | $0 | $0 | $0 | -$519,000 |
| Pre-Tax Income | $381,000 | $968,000 | $300,000 | $1,044,000 |
| Tax Expense | $102,000 | $231,000 | $76,000 | $247,000 |
| Net Income | $277,000 | $718,000 | $223,000 | $801,000 |
| % 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 | 49,600 | 49,800 | 49,900 | 49,700 |
| Weighted Avg Shares Out Dil | 50,400 | 50,000 | 50,000 | 50,000 |
| Supplemental Information | – | – | – | – |
| Interest Income | $5,024,000 | $5,145,000 | $4,684,000 | $3,868,000 |
| Interest Expense | $960,000 | $879,000 | $503,000 | $383,000 |
| Depreciation & Amortization | $90,000 | $116,000 | $113,000 | $123,000 |
| EBITDA | $471,000 | $1,084,000 | $413,000 | $1,167,000 |
| % Margin | 9.8% | 21% | 9.4% | 31.9% |