Bread Financial Holdings, Inc. Detailed Financials

Full historical quarterly statements

Metric	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	1.19B	1.21B	1.17B	1.18B	1.15B	1.20B	1.16B	1.22B
Cost of Goods Sold	508.0M	496.0M	199.0M	509.0M	494.0M	521.0M	648.0M	609.0M
Gross Profit	680.0M	715.0M	975.0M	672.0M	655.0M	674.0M	508.0M	614.0M
R&D Expenses	0	0	0	0	0	0	0	0
Operating Expenses	483.0M	472.0M	928.0M	476.0M	481.0M	477.0M	535.0M	574.0M
Operating Income	197.0M	243.0M	47.0M	196.0M	174.0M	197.0M	-27.0M	40.0M
Other Income / Gains	0	0	0	0	0	0	0	0
Net Income	146.0M	181.0M	53.0M	188.0M	139.0M	138.0M	7.0M	2.0M
EPS (Diluted)	3.61	4.18	1.18	4.04	2.98	2.81	0.14	0.04
Reported Currency	USD	USD	USD	USD	USD	USD	USD	USD
Gross Profit Ratio	0.572	0.59	0.83	0.569	0.57	0.564	0.439	0.502
General And Administrative Expenses	225.0M	220.0M	511.0M	222.0M	212.0M	215.0M	242.0M	228.0M
Selling And Marketing Expenses	0	35.0M	44.0M	38.0M	34.0M	35.0M	48.0M	38.0M
Selling General And Administrative Expenses	225.0M	255.0M	555.0M	260.0M	246.0M	250.0M	290.0M	266.0M
Other Expenses	258.0M	217.0M	373.0M	216.0M	235.0M	227.0M	245.0M	308.0M
Cost And Expenses	991.0M	968.0M	1.13B	985.0M	975.0M	998.0M	1.18B	1.18B
Interest Income	1.23B	1.26B	1.25B	1.24B	1.19B	1.23B	1.22B	1.28B
Interest Expense	195.0M	193.0M	199.0M	210.0M	220.0M	225.0M	231.0M	240.0M
Depreciation And Amortization	0	19.0M	19.0M	19.0M	21.0M	21.0M	22.0M	22.0M
Ebitda	197.0M	262.0M	66.0M	215.0M	195.0M	218.0M	-5.0M	62.0M
Ebitdaratio	0.166	0.216	0.056	0.182	0.17	0.182	-0.004	0.051
Operating Income Ratio	0.166	0.201	0.04	0.166	0.151	0.165	-0.023	0.033
Income Before Tax	197.0M	243.0M	47.0M	196.0M	174.0M	197.0M	-27.0M	40.0M
Income Before Tax Ratio	0.166	0.201	0.04	0.166	0.151	0.165	-0.023	0.033
Income Tax Expense	51.0M	62.0M	-6.0M	8.0M	35.0M	55.0M	-34.0M	37.0M
Net Income Ratio	0.123	0.149	0.045	0.159	0.121	0.115	0.006	0.002
Epsdiluted	3.55	4.15	1.16	3.96	2.94	2.78	0.14	0.039
Weighted Average Shs Out	39.9M	42.8M	44.9M	46.5M	46.7M	49.0M	49.6M	49.7M
Weighted Average Shs Out Dil	40.7M	43.2M	46.0M	47.5M	47.2M	49.6M	50.4M	51.0M