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NYSE · Consumer discretionary

Bread Financial Holdings, Inc. (BFH)

Bread Financial Holdings, Inc. brought in $4B of revenue over the twelve months to June 30, 2026, up 3.9% from a year earlier. Net income was $568M, a net margin of 14.4%. At June 30, 2026 it held $3.7B in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on July 28, 2026.

Revenue (last 12 months)
$4B
+3.9% year on year
Net margin
14.4%

What Bread Financial Holdings, Inc. does

Bread Financial Holdings, Inc. is registered with the SEC under industry code SIC 6141 (Personal Credit Institutions). Its shares trade on NYSE under the ticker BFH.

Revenue and profit by year

Revenue
FY18: $5.7B $5.7B FY18FY19: $5.6B $5.6B FY19FY20: $4.5B $4.5B FY20FY21: $3.3B $3.3B FY21FY22: $3.8B $3.8B FY22FY23: $4.3B $4.3B FY23FY24: $3.8B $3.8B FY24FY25: $3.8B $3.8B FY25
Net income
FY18: $963.1M $963.1M FY18FY19: $278M $278M FY19FY20: $214M $214M FY20FY21: $801M $801M FY21FY22: $223M $223M FY22FY23: $718M $718M FY23FY24: $277M $277M FY24FY25: $518M $518M FY25

Fiscal years as reported in annual reports. Amounts in USD.

Key figures

Fiscal yearRevenueOperating incomeNet incomeDiluted EPSFree cash flow
2025$3.8Bn/a$518M$10.89n/a
2024$3.8Bn/a$277M$5.49n/a
2023$4.3Bn/a$718M$14.34n/a
2022$3.8Bn/a$223M$4.46$1.8B
2021$3.3Bn/a$801M$16.02$1.5B
2020$4.5B$301M$214M$4.46$1.8B

Latest SEC filings

What Bread Financial Holdings, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.

  1. September 15, 2026
    Investor disclosure 8-K
  2. September 8, 2026
    Material agreement 8-K
  3. August 17, 2026
    Investor disclosure 8-K
  4. August 14, 2026
    Passive stake changed SCHEDULE 13G/A
  5. July 28, 2026
    Quarterly report 10-Q · period to June 30, 2026
  6. July 23, 2026
    Investor disclosure 8-K
  7. July 23, 2026
    Quarterly results 8-K
  8. July 14, 2026
    Executive or director change 8-K
  9. June 10, 2026
    Employee plan annual report 11-K
  10. June 10, 2026
    Investor disclosure 8-K

Recent insider filings (Forms 3, 4 and 144): 10, the latest on September 16, 2026. Insider transactions on SEC

All filings on SEC EDGAR

Questions about BFH

What does Bread Financial Holdings, Inc. do?

Bread Financial Holdings, Inc. is registered with the SEC under industry code SIC 6141 (Personal Credit Institutions). Its shares trade on NYSE under the ticker BFH.

Is Bread Financial Holdings, Inc. profitable?

Yes. Over the twelve months to June 30, 2026 it reported net income of $568M on revenue of $4B, a net margin of 14.4%.

How much revenue does Bread Financial Holdings, Inc. make?

Over the twelve months to June 30, 2026 Bread Financial Holdings, Inc. reported revenue of $4B. That is 3.9% more than a year earlier.

When did Bread Financial Holdings, Inc. last report?

Its most recent periodic report is the quarterly report (10-Q) filed on July 28, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the insider trade from September 16, 2026.

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Where the numbers come from

Financial figures are the values Bread Financial Holdings, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.

Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.