BFH
NYSE · Financial Services
Bread Financial Holdings Inc
$101.83
-0.74 (-0.72%)
Financial Highlights (FY 2026)
Revenue
3.61B
Net Income
416.11M
Gross Margin
92.8%
Profit Margin
11.5%
Rev Growth
+1.3%
D/E Ratio
5.48
Revenue & Net Income
Margin Trends
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Gross Margin | 92.8% | 92.8% | 37.9% | 37.9% |
| Operating Margin | 13.7% | 12.3% | 34.3% | 28.5% |
| Profit Margin | 11.5% | 10.9% | 28.1% | 29.3% |
Income Statement
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Revenue | 3.61B | 3.57B | 671.28M | 599.29M |
| Gross Profit | 3.35B | 3.31B | 254.35M | 227.07M |
| Operating Income | 494.07M | 439.09M | 230.12M | 170.60M |
| Net Income | 416.11M | 369.80M | 188.46M | 175.34M |
| Gross Margin | 92.8% | 92.8% | 37.9% | 37.9% |
| Operating Margin | 13.7% | 12.3% | 34.3% | 28.5% |
| Profit Margin | 11.5% | 10.9% | 28.1% | 29.3% |
| Rev Growth | +1.3% | +1.3% | -0.5% | +11.7% |
Balance Sheet
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Total Debt | 1.65B | 1.65B | 345.02M | 318.72M |
| Total Equity | 300.55M | 300.55M | 1.47B | 1.59B |
| D/E Ratio | 5.48 | 5.48 | 0.24 | 0.20 |
Cash Flow
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| EBITDA | 558.29M | 523.73M | 313.70M | 236.97M |
| Free Cash Flow | — | — | 140.27M | 155.54M |