Bread Financial Holdings, Inc. BFH
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.
Revenue compounded at +3.1% a year over five years — 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.
Each USD of equity produced 16 cents of profit this year.
| 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 |
| 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 · "·" marks a figure not available in our data for that year.
This company against its peers
Reconciled in 15 of 19 fiscal years. 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. 17 checks could not be computed.