Bread Financial Holdings, Inc. BFH
Slide the table for earlier years · "·" marks a figure not available in our data for that year.
What this company does
Written from the business description in BREAD FINANCIAL HOLDINGS, INC.'s annual report to the U.S. Securities and Exchange Commission, filed 13 February 2026. Every sentence was checked against that document before publication.
Growth
Revenue compounded at +3.1% a year over the five years to FY2025 — but profit grew faster: net income at +19.3%, earnings per share at +19.5%.
Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.
Profitability
Each USD of equity produced 16 cents of profit this year.
The 18-year record
| 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 | 5.7 | 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 |
| Free cash flow $B | ◌ | ◌ | ◌ | 1.8 | 1.5 | 1.8 | 1.1 | 2.6 | 2.4 | 1.9 | 1.6 | 1.2 | 0.9 | 1.0 | 0.9 | 0.8 | 0.3 | 0.4 |
| 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 | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ |
Slide the table for earlier years. "—" not applicable · "◌" not available in our data.
This company against its peers
Company facts, as filed
Reconciled in 15 of the 18 fiscal years we could check. 2 of those reconciliations are divergences — the figures exist but don't fit the formula this check expects; that isn't the same as an error. Four checks were skipped: the balance sheet is not tagged before 2009. One check was skipped: EPS is not tagged before 2008. One check was skipped: revenue is not tagged before 2008.