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Bread Financial (BFH)

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  • 84.930
  • -2.410-2.76%
Close May 11 16:00 ET
3.43BMarket Cap6.93P/E (TTM)

Bread Financial (BFH) Income Statement

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(Q1)Mar 31, 2026
(FY)Dec 31, 2025
(Q4)Dec 31, 2025
(Q3)Sep 30, 2025
(Q2)Jun 30, 2025
(Q1)Mar 31, 2025
(FY)Dec 31, 2024
(Q4)Dec 31, 2024
(Q3)Sep 30, 2024
(Q2)Jun 30, 2024
Total revenue
4.95%1.02B
0.18%3.85B
5.41%975M
-1.22%971M
-1.06%929M
-2.12%970M
-10.64%3.84B
-9.05%925M
-4.66%983M
-1.37%939M
Net interest income
6.06%1.07B
-0.15%4.06B
6.08%1.05B
-0.48%1.03B
-1.32%974M
-4.37%1.01B
-4.74%4.06B
-8.19%987M
-4.16%1.04B
-0.50%987M
-Net interest income
2.36%1.26B
-2.23%4.91B
2.30%1.25B
-2.74%1.24B
-2.77%1.19B
-5.31%1.23B
-2.35%5.02B
-7.24%1.22B
-1.84%1.28B
2.59%1.23B
-Interest income from loans and lease
3.29%1.22B
-1.68%4.74B
2.81%1.21B
-2.12%1.2B
-2.21%1.15B
-4.97%1.19B
-2.84%4.82B
-7.04%1.18B
-2.55%1.22B
1.82%1.17B
-Interest income from securities
-21.74%36M
-15.20%173M
-11.63%38M
-16.98%44M
-14.81%46M
-13.21%46M
10.87%204M
-12.24%43M
17.78%53M
22.73%54M
-Total interest expense
-14.22%193M
-11.04%854M
-13.85%199M
-12.50%210M
-8.71%220M
-9.27%225M
9.22%960M
-2.94%231M
9.59%240M
17.56%241M
-Interest expense for deposit
-3.62%133M
-8.88%554M
-6.80%137M
-9.15%139M
-8.55%139M
-10.97%138M
12.38%608M
-4.55%147M
6.99%153M
19.69%152M
-Interest expense for long term debt and capital securities
-31.03%60M
-14.77%300M
-26.19%62M
-18.39%71M
-8.99%81M
-6.45%87M
4.14%352M
0.00%84M
14.47%87M
14.10%89M
Non interest income
-36.11%-49M
5.75%-213M
-16.13%-72M
-12.96%-61M
6.25%-45M
40.98%-36M
-879.31%-226M
-6.90%-62M
-5.88%-54M
-20.00%-48M
-Fees and commissions
16.67%21M
272.73%82M
----
----
----
--18M
--22M
----
----
----
-Other non interest income
-29.63%-70M
-15.06%-298M
-79.07%-154M
-5.17%-61M
9.43%-48M
11.48%-54M
-28.86%-259M
-48.28%-86M
-13.73%-58M
-32.50%-53M
-Gain loss on sale of assets
----
-72.73%3M
--0
--0
-40.00%3M
----
-95.22%11M
--2M
--4M
--5M
Credit losses provision
-2.36%-303M
11.10%-1.24B
10.55%-373M
18.97%-299M
5.52%-274M
7.79%-296M
-13.67%-1.4B
13.49%-417M
-21.38%-369M
13.69%-290M
Non interest expense
-1.05%472M
-1.49%1.91B
15.07%481M
-17.07%476M
2.56%481M
-1.04%477M
-7.08%1.94B
-18.83%418M
14.34%574M
-11.51%469M
Occupancy and equipment
0.00%5M
4.55%23M
40.00%7M
20.00%6M
-16.67%5M
-16.67%5M
0.00%22M
-16.67%5M
0.00%5M
20.00%6M
Professional expense and contract services expense
-3.45%28M
0.00%112M
11.11%30M
4.00%26M
-12.90%27M
0.00%29M
-12.50%112M
0.00%27M
-13.79%25M
-8.82%31M
Selling and administrative expenses
2.00%255M
-1.34%1.03B
-4.83%276M
-2.26%260M
-0.40%246M
3.73%250M
1.56%1.04B
9.02%290M
8.13%266M
-3.89%247M
-General and administrative expense
2.33%220M
-1.90%880M
-4.13%232M
-2.63%222M
-0.93%212M
0.94%215M
3.46%897M
10.00%242M
8.57%228M
-1.38%214M
-Selling and marketing expense
0.00%35M
2.04%150M
-8.33%44M
0.00%38M
3.03%34M
25.00%35M
-8.70%147M
4.35%48M
5.56%38M
-17.50%33M
Depreciation amortization depletion
-9.52%19M
-11.11%80M
-13.64%19M
-9.09%20M
-13.04%20M
-8.70%21M
-22.41%90M
-8.33%22M
-4.35%22M
-34.29%23M
-Depreciation and amortization
-9.52%19M
-11.11%80M
-13.64%19M
-9.09%20M
-13.04%20M
-8.70%21M
-22.41%90M
-8.33%22M
-4.35%22M
-34.29%23M
Other non-interest expense
-4.07%165M
-0.89%669M
101.35%149M
-35.94%164M
12.96%183M
-6.01%172M
-15.31%675M
-61.46%74M
28.64%256M
-18.59%162M
Income from associates and other participating interests
0
0
0
0
0
Special income (charges)
36.75%-74M
-11,600.00%-117M
Gain on extinguishment of debt
----
-36.75%74M
----
----
----
----
11,600.00%117M
----
----
----
Other non-operating income (expenses)
Income before tax
23.35%243M
61.42%615M
274.07%47M
390.00%196M
-3.33%174M
4.79%197M
-60.64%381M
-250.00%-27M
-82.22%40M
109.30%180M
Income tax
12.73%62M
-7.84%94M
82.35%-6M
-78.38%8M
-25.53%35M
3.77%55M
-55.84%102M
-30.77%-34M
-28.85%37M
113.64%47M
Earnings from equity interest net of tax
Net income
31.16%181M
87.00%518M
671.43%54M
9,300.00%188M
4.51%139M
2.99%138M
-61.42%277M
-83.72%7M
-98.83%2M
177.08%133M
Net Income continuous operations
27.46%181M
86.74%521M
657.14%53M
6,166.67%188M
4.51%139M
5.19%142M
-62.14%279M
-84.09%7M
-98.27%3M
107.81%133M
Net income discontinuous operations
--0
-50.00%-3M
--1M
--0
--0
-300.00%-4M
89.47%-2M
--0
50.00%-1M
--0
Minority interest income
Net income attributable to the parent company
31.16%181M
87.00%518M
671.43%54M
9,300.00%188M
4.51%139M
2.99%138M
-61.42%277M
-83.72%7M
-98.83%2M
177.08%133M
Preferred stock dividends
2M
Other preferred stock dividend
Net income attributable to common stockholders
29.71%179M
87.00%518M
671.43%54M
9,300.00%188M
4.51%139M
2.99%138M
-61.42%277M
-83.72%7M
-98.83%2M
177.08%133M
Basic earnings per share
49.11%4.19
98.39%11.07
814.29%1.28
7,980.00%4.04
10.41%2.97
3.69%2.81
-61.22%5.58
-84.62%0.14
-98.55%0.05
183.16%2.69
Diluted earnings per share
49.28%4.15
98.36%10.89
785.71%1.24
7,820.00%3.96
10.53%2.94
2.96%2.78
-61.72%5.49
-84.44%0.14
-98.54%0.05
180.00%2.66
Dividend per share
9.52%0.23
2.38%0.86
9.52%0.23
0.00%0.21
0.00%0.21
0.00%0.21
0.00%0.84
0.00%0.21
0.00%0.21
0.00%0.21
Currency Unit
USD
USD
USD
USD
USD
USD
USD
USD
USD
USD
Accounting Standards
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
Audit Opinions
--
Unqualified Opinion
--
--
--
--
Unqualified Opinion
--
--
--
(Q1)Mar 31, 2026(FY)Dec 31, 2025(Q4)Dec 31, 2025(Q3)Sep 30, 2025(Q2)Jun 30, 2025(Q1)Mar 31, 2025(FY)Dec 31, 2024(Q4)Dec 31, 2024(Q3)Sep 30, 2024(Q2)Jun 30, 2024
Total revenue 4.95%1.02B0.18%3.85B5.41%975M-1.22%971M-1.06%929M-2.12%970M-10.64%3.84B-9.05%925M-4.66%983M-1.37%939M
Net interest income 6.06%1.07B-0.15%4.06B6.08%1.05B-0.48%1.03B-1.32%974M-4.37%1.01B-4.74%4.06B-8.19%987M-4.16%1.04B-0.50%987M
-Net interest income 2.36%1.26B-2.23%4.91B2.30%1.25B-2.74%1.24B-2.77%1.19B-5.31%1.23B-2.35%5.02B-7.24%1.22B-1.84%1.28B2.59%1.23B
-Interest income from loans and lease 3.29%1.22B-1.68%4.74B2.81%1.21B-2.12%1.2B-2.21%1.15B-4.97%1.19B-2.84%4.82B-7.04%1.18B-2.55%1.22B1.82%1.17B
-Interest income from securities -21.74%36M-15.20%173M-11.63%38M-16.98%44M-14.81%46M-13.21%46M10.87%204M-12.24%43M17.78%53M22.73%54M
-Total interest expense -14.22%193M-11.04%854M-13.85%199M-12.50%210M-8.71%220M-9.27%225M9.22%960M-2.94%231M9.59%240M17.56%241M
-Interest expense for deposit -3.62%133M-8.88%554M-6.80%137M-9.15%139M-8.55%139M-10.97%138M12.38%608M-4.55%147M6.99%153M19.69%152M
-Interest expense for long term debt and capital securities -31.03%60M-14.77%300M-26.19%62M-18.39%71M-8.99%81M-6.45%87M4.14%352M0.00%84M14.47%87M14.10%89M
Non interest income -36.11%-49M5.75%-213M-16.13%-72M-12.96%-61M6.25%-45M40.98%-36M-879.31%-226M-6.90%-62M-5.88%-54M-20.00%-48M
-Fees and commissions 16.67%21M272.73%82M--------------18M--22M------------
-Other non interest income -29.63%-70M-15.06%-298M-79.07%-154M-5.17%-61M9.43%-48M11.48%-54M-28.86%-259M-48.28%-86M-13.73%-58M-32.50%-53M
-Gain loss on sale of assets -----72.73%3M--0--0-40.00%3M-----95.22%11M--2M--4M--5M
Credit losses provision -2.36%-303M11.10%-1.24B10.55%-373M18.97%-299M5.52%-274M7.79%-296M-13.67%-1.4B13.49%-417M-21.38%-369M13.69%-290M
Non interest expense -1.05%472M-1.49%1.91B15.07%481M-17.07%476M2.56%481M-1.04%477M-7.08%1.94B-18.83%418M14.34%574M-11.51%469M
Occupancy and equipment 0.00%5M4.55%23M40.00%7M20.00%6M-16.67%5M-16.67%5M0.00%22M-16.67%5M0.00%5M20.00%6M
Professional expense and contract services expense -3.45%28M0.00%112M11.11%30M4.00%26M-12.90%27M0.00%29M-12.50%112M0.00%27M-13.79%25M-8.82%31M
Selling and administrative expenses 2.00%255M-1.34%1.03B-4.83%276M-2.26%260M-0.40%246M3.73%250M1.56%1.04B9.02%290M8.13%266M-3.89%247M
-General and administrative expense 2.33%220M-1.90%880M-4.13%232M-2.63%222M-0.93%212M0.94%215M3.46%897M10.00%242M8.57%228M-1.38%214M
-Selling and marketing expense 0.00%35M2.04%150M-8.33%44M0.00%38M3.03%34M25.00%35M-8.70%147M4.35%48M5.56%38M-17.50%33M
Depreciation amortization depletion -9.52%19M-11.11%80M-13.64%19M-9.09%20M-13.04%20M-8.70%21M-22.41%90M-8.33%22M-4.35%22M-34.29%23M
-Depreciation and amortization -9.52%19M-11.11%80M-13.64%19M-9.09%20M-13.04%20M-8.70%21M-22.41%90M-8.33%22M-4.35%22M-34.29%23M
Other non-interest expense -4.07%165M-0.89%669M101.35%149M-35.94%164M12.96%183M-6.01%172M-15.31%675M-61.46%74M28.64%256M-18.59%162M
Income from associates and other participating interests 00000
Special income (charges) 36.75%-74M-11,600.00%-117M
Gain on extinguishment of debt -----36.75%74M----------------11,600.00%117M------------
Other non-operating income (expenses)
Income before tax 23.35%243M61.42%615M274.07%47M390.00%196M-3.33%174M4.79%197M-60.64%381M-250.00%-27M-82.22%40M109.30%180M
Income tax 12.73%62M-7.84%94M82.35%-6M-78.38%8M-25.53%35M3.77%55M-55.84%102M-30.77%-34M-28.85%37M113.64%47M
Earnings from equity interest net of tax
Net income 31.16%181M87.00%518M671.43%54M9,300.00%188M4.51%139M2.99%138M-61.42%277M-83.72%7M-98.83%2M177.08%133M
Net Income continuous operations 27.46%181M86.74%521M657.14%53M6,166.67%188M4.51%139M5.19%142M-62.14%279M-84.09%7M-98.27%3M107.81%133M
Net income discontinuous operations --0-50.00%-3M--1M--0--0-300.00%-4M89.47%-2M--050.00%-1M--0
Minority interest income
Net income attributable to the parent company 31.16%181M87.00%518M671.43%54M9,300.00%188M4.51%139M2.99%138M-61.42%277M-83.72%7M-98.83%2M177.08%133M
Preferred stock dividends 2M
Other preferred stock dividend
Net income attributable to common stockholders 29.71%179M87.00%518M671.43%54M9,300.00%188M4.51%139M2.99%138M-61.42%277M-83.72%7M-98.83%2M177.08%133M
Basic earnings per share 49.11%4.1998.39%11.07814.29%1.287,980.00%4.0410.41%2.973.69%2.81-61.22%5.58-84.62%0.14-98.55%0.05183.16%2.69
Diluted earnings per share 49.28%4.1598.36%10.89785.71%1.247,820.00%3.9610.53%2.942.96%2.78-61.72%5.49-84.44%0.14-98.54%0.05180.00%2.66
Dividend per share 9.52%0.232.38%0.869.52%0.230.00%0.210.00%0.210.00%0.210.00%0.840.00%0.210.00%0.210.00%0.21
Currency Unit USDUSDUSDUSDUSDUSDUSDUSDUSDUSD
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions --Unqualified Opinion--------Unqualified Opinion------
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