NYSE · PERSONAL CREDIT INSTITUTIONS · LARGE CAP
Bread Financial Holdings, Inc. BFH
18 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY
Revenue · FY2025
$3.8B
▲ 0.2% vs FY2024
Dividend streak
1 yrs
Raised every year since 2025
EPS · FY25
$10.89
Dividend / sh · FY25
$0.86
Payout · FY25
8%
ROE · FY25
16.2%
Net margin · FY25
13.5%
Dividend coverage
12.7×
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Result
USD 3.8B
Revenue, FY2025 · full 18-year series below
Revenue
Net income
13 cents of every revenue dollar became profit this year.
Per share
USD 10.89
Diluted EPS, FY2025
EPS
Dividend
Earnings covered the dividend 12.7 times — the rest stayed in the company.
Profitability
16.2%
Return on equity, FY2025
ROE
Operating margin16.0%
Net margin13.5%
Return on assets2.3%
Each USD of equity produced 16 cents of profit this year.
Returned to shareholders
USD 353.0M
returned in FY2025 · dividends + net buybacks
Dividends paidUSD 40.0M
Net buybacksUSD 313.0M
Share of profit68.1%
Consecutive raises1 years
USD 40.0M in dividends and USD 313.0M in buybacks — 68% of the year's profit went back to shareholders.
Growth
+3.1% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+0.2%
+3.1%
−5.0%
+2.2%
Net income
+32.4%
+19.3%
−1.5%
+6.8%
EPS, diluted
+34.7%
+19.5%
+2.1%
+7.9%
Dividend / share
+0.8%
−7.4%
Returned to shareholders
+85.8%
+42.1%
−9.3%
+7.8%
Compound annual rates per period — left blank where the series crosses a loss.
Share base
0.04B
Shares outstanding, FY2025
Change, 5 years—
Change, 10 years—
A share split breaks the comparison across the period, so we leave it out.
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Balance sheet
USD 22.7B
total assets, end of FY2025
Total assetsUSD 22.7B
EquityUSD 3.3B
CashUSD 3.6B
Gross debtUSD 4.3B
Net debtUSD 704.0M
DepositsUSD 13.9B
Net debt stands at 21% of equity.
History
18 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
Revenue $B
3.8
3.8
4.3
3.8
3.3
3.3
4.0
1.0
5.5
7.1
6.4
5.3
4.3
3.6
3.2
2.8
2.0
2.0
Operating income $B
0.6
0.4
1.0
0.3
1.0
0.3
0.7
1.8
1.5
1.3
1.3
1.1
1.1
1.0
0.8
0.6
0.4
0.5
EBITDA $B
0.7
0.5
1.1
0.4
1.2
0.5
0.9
2.2
2.0
1.8
1.8
1.4
1.3
1.1
1.0
0.8
0.5
0.6
Income tax $B
0.1
0.1
0.2
0.1
0.2
0.1
0.2
0.3
0.3
0.3
0.3
0.3
0.3
0.3
0.2
0.1
0.1
0.1
Net income $B
0.5
0.3
0.7
0.2
0.8
0.2
0.3
1.0
0.8
0.5
0.6
0.5
0.5
0.4
0.3
0.2
0.1
0.2
EPS, diluted $
10.89
5.49
14.34
4.46
16.02
4.46
5.46
17.49
14.10
7.34
8.85
7.87
7.42
6.58
5.45
3.48
2.49
2.80
Dividend / sh $
0.86
0.84
0.84
0.84
0.84
1.26
2.52
0.57
0.52
0.52
·
·
·
·
·
·
·
·
Payout %
8
16
6
19
5
29
46
13
15
6
·
·
·
·
·
·
·
·
ROE %
16.2
9.3
27.7
10.3
44.4
13.8
14.2
46.0
44.9
28.2
27.5
31.7
71.7
119.9
316.8
131.0
35.1
37.7
Shares out B
0.04
0.05
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·
·
·
·
·
·
·
·
·
·
·
·
·
·
Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.
How we verifyAUDITED
44 of 47
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity
Every figure was compared against the original statement: 1 failures and 2 presentation gaps.
What we don’t show
We’d rather say what’s missing than fill the gap with an estimate.
P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed