Bread Financial Holdings, Inc. Detailed Financials

Full historical quarterly statements

Metric	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Total Revenue	1.21B	1.17B	1.18B	1.15B	1.20B	1.16B	1.22B	1.18B
Cost of Goods Sold	496.0M	199.0M	509.0M	494.0M	521.0M	648.0M	609.0M	531.0M
Gross Profit	715.0M	975.0M	672.0M	655.0M	674.0M	508.0M	614.0M	649.0M
R&D Expenses	0	0	0	0	0	0	0	0
Operating Expenses	472.0M	928.0M	476.0M	481.0M	477.0M	535.0M	574.0M	469.0M
Operating Income	243.0M	47.0M	196.0M	174.0M	197.0M	-27.0M	40.0M	180.0M
Other Income / Gains	0	0	0	0	0	0	0	0
Net Income	181.0M	53.0M	188.0M	139.0M	138.0M	7.0M	2.0M	133.0M
EPS (Diluted)	4.18	1.18	4.04	2.98	2.81	0.14	0.04	2.68
Reported Currency	USD	USD	USD	USD	USD	USD	USD	USD
Gross Profit Ratio	0.59	0.83	0.569	0.57	0.564	0.439	0.502	0.55
General And Administrative Expenses	220.0M	511.0M	222.0M	212.0M	215.0M	242.0M	228.0M	214.0M
Selling And Marketing Expenses	0	44.0M	38.0M	34.0M	35.0M	48.0M	38.0M	33.0M
Selling General And Administrative Expenses	220.0M	555.0M	260.0M	246.0M	250.0M	290.0M	266.0M	247.0M
Other Expenses	252.0M	373.0M	216.0M	235.0M	227.0M	245.0M	308.0M	222.0M
Cost And Expenses	968.0M	1.13B	985.0M	975.0M	998.0M	1.18B	1.18B	1.00B
Interest Income	1.26B	1.25B	1.24B	1.19B	1.23B	1.22B	1.28B	1.23B
Interest Expense	193.0M	199.0M	210.0M	220.0M	225.0M	231.0M	240.0M	241.0M
Depreciation And Amortization	0	19.0M	19.0M	21.0M	21.0M	22.0M	22.0M	23.0M
Ebitda	243.0M	66.0M	215.0M	195.0M	218.0M	-5.0M	62.0M	203.0M
Ebitdaratio	0.201	0.056	0.182	0.17	0.182	-0.004	0.051	0.172
Operating Income Ratio	0.201	0.04	0.166	0.151	0.165	-0.023	0.033	0.153
Income Before Tax	243.0M	47.0M	196.0M	174.0M	197.0M	-27.0M	40.0M	180.0M
Income Before Tax Ratio	0.201	0.04	0.166	0.151	0.165	-0.023	0.033	0.153
Income Tax Expense	62.0M	-6.0M	8.0M	35.0M	55.0M	-34.0M	37.0M	47.0M
Net Income Ratio	0.149	0.045	0.159	0.121	0.115	0.006	0.002	0.113
Epsdiluted	4.15	1.16	3.96	2.94	2.78	0.14	0.039	2.65
Weighted Average Shs Out	42.8M	44.9M	46.5M	46.7M	49.0M	49.6M	49.7M	49.6M
Weighted Average Shs Out Dil	43.2M	46.0M	47.5M	47.2M	49.6M	50.4M	51.0M	50.2M