Bread Financial Inc. (ADS)

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56.80

0.65 (1.16%)

At close: Apr 04, 2022, 4:00 AM

Bread Financial Income Statement

Financials in USD. Fiscal year is January - December.

Fiscal Year	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021	Q1 2021	Q4 2020	Q3 2020	Q2 2020	Q1 2020	Q4 2019	Q3 2019	Q2 2019	Q1 2019	Q4 2018	Q3 2018	Q2 2018	Q1 2018	Q4 2017	Q3 2017	Q2 2017	Q1 2017	Q4 2016	Q3 2016	Q2 2016	Q1 2016
Period Ending	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021	Sep 30, 2021	Jun 30, 2021	Mar 31, 2021	Dec 31, 2020	Sep 30, 2020	Jun 30, 2020	Mar 31, 2020	Dec 31, 2019	Sep 30, 2019	Jun 30, 2019	Mar 31, 2019	Dec 31, 2018	Sep 30, 2018	Jun 30, 2018	Mar 31, 2018	Dec 31, 2017	Sep 30, 2017	Jun 30, 2017	Mar 31, 2017	Dec 31, 2016	Sep 30, 2016	Jun 30, 2016	Mar 31, 2016
Revenue	925M	983M	1.18B	1.24B	1.02B	1.03B	952M	1.29B	1.03B	990M	914M	933M	75.5M	1.1B	1.01B	1.08B	1.11B	1.05B	979.3M	1.38B	1.46B	1.44B	1.35B	1.33B	2.06B	1.95B	1.9B	1.88B	2.11B	1.91B	1.82B	1.88B	1.83B	1.89B	1.75B	1.68B
Cost of Revenue	222M	-294M	-53M	569M	270M	-270M	n/a	n/a	n/a	n/a	n/a	n/a	-190.6M	615.8M	623.4M	623.1M	747.8M	626.8M	606.7M	661.7M	869.9M	859.3M	855.6M	828.3M	1.37B	1.27B	1.22B	1.21B	1.34B	1.25B	1.19B	1.21B	1.35B	1.19B	1.17B	1.13B
Gross Profit	703M	1.28B	1.23B	670M	747M	1.3B	952M	1.29B	1.03B	990M	914M	933M	266.1M	483.5M	389M	461.8M	362.1M	423.7M	372.6M	720.1M	591.1M	578.3M	492.9M	505.9M	688.1M	672.4M	688.5M	678M	761.7M	662.6M	627.5M	667.1M	478.8M	690.7M	574.3M	545.8M
Operating Income	-92M	3M	180M	188M	-356M	173M	64M	n/a	-13M	322M	111M	380M	-8.8M	382.8M	473.3M	503.1M	258.7M	291M	174.7M	164M	309M	304.2M	337.3M	356.9M	574.2M	522M	420.3M	377.8M	462.7M	478.9M	351.4M	352.4M	179.6M	421M	320.6M	344.3M
Interest Income	1.22B	1.28B	1.23B	1.3B	1.31B	1.3B	1.2B	1.33B	1.32B	1.22B	1.07B	1.07B	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Pretax Income	-27M	40M	180M	188M	18M	225M	86M	638M	-208M	189M	16M	302M	-12.8M	290.7M	371.6M	394.4M	146.1M	175.9M	47M	25.4M	167.4M	164.2M	193.8M	207.4M	397.4M	353.1M	254.6M	218.6M	306.3M	333.6M	213.9M	227.2M	61.9M	312.7M	216.9M	245.5M
Net Income	7M	2M	133M	134M	43M	171M	48M	455M	-134M	134M	12M	210M	17.6M	223.7M	273.5M	286.2M	12M	133.3M	38.4M	30M	130.4M	-107.6M	139M	149.1M	284.9M	296.5M	217.8M	163.9M	271.3M	233.2M	137.7M	146.4M	10.5M	207.5M	140.7M	157.1M
Selling & General & Admin	290M	266M	247M	241M	266M	246M	257M	259M	263M	246M	241M	210M	752.4M	34.5M	27.2M	16.9M	32.5M	29M	20.4M	23.9M	23.2M	31.8M	57.3M	38.3M	46.2M	45.3M	48.1M	33.1M	41.4M	38M	42.4M	44.6M	31.8M	41M	42.9M	27.6M
Research & Development	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Other Expenses	635M	717M	-226M	-240M	-266M	-264M	-273M	1.04B	647M	-250M	-191M	-763M	444.5M	192.8M	17.4M	67.4M	216M	247.8M	291.4M	694.7M	423.6M	342.2M	299.1M	298.5M	290.8M	319.3M	433.9M	459.4M	455.3M	329M	413.6M	439.9M	416.9M	378M	357.4M	300.3M
Operating Expenses	607M	983M	226M	240M	601M	36M	40M	1.29B	130M	44M	50M	-553M	661.9M	192.8M	17.4M	67.4M	216M	247.8M	291.4M	694.7M	423.7M	342.2M	299.1M	298.5M	290.7M	319.3M	433.9M	459.4M	455.4M	329M	413.6M	439.9M	416.9M	378M	357.4M	300.3M
Interest Expense	231M	240M	241M	248M	238M	219M	205M	218M	195M	133M	95M	79M	4M	37.3M	41.8M	45.5M	29.4M	24.7M	26.1M	28.4M	27.2M	26.1M	38.7M	43.5M	70M	69.4M	73.7M	71.6M	72.5M	73.9M	72.3M	64M	58.9M	54.6M	53.5M	51.2M
Selling & Marketing Expenses	48M	38M	33M	28M	46M	36M	40M	39M	56M	44M	50M	31M	160M	35M	35M	42M	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	516.3M	469.1M	452M
Cost & Expenses	829M	983M	995M	1.05B	871M	36M	40M	1.29B	130M	44M	50M	-553M	471.3M	808.6M	640.8M	690.5M	963.8M	874.6M	898.1M	1.36B	1.29B	1.2B	1.15B	1.13B	1.66B	1.59B	1.65B	1.67B	1.8B	1.58B	1.61B	1.65B	1.77B	1.57B	1.53B	1.43B
Income Tax Expense	-34M	37M	47M	53M	-26M	52M	22M	183M	-74M	55M	4M	91M	-26.4M	67M	98.1M	108.2M	52.8M	42.6M	8.6M	-4.6M	37M	42.6M	51.4M	33.1M	112.5M	56.6M	36.8M	54.7M	35M	100.4M	76.2M	80.8M	51.4M	105.2M	76.2M	86.6M
Shares Outstanding (Basic)	49.6M	49.7M	49.6M	49.5M	49.3M	49.9M	50.1M	50M	49.9M	49.8M	49.8M	49.9M	49.8M	49.8M	49.7M	49.7M	48.3M	47.7M	47.6M	47.6M	47.1M	48.8M	51.3M	53M	54M	54.8M	55.2M	55.4M	55.3M	55.4M	55.6M	56.4M	57.6M	58.3M	58.8M	59.8M
Shares Outstanding (Diluted)	50.4M	51M	50.2M	49.7M	49.6M	50.1M	50.3M	50.1M	49.9M	49.9M	49.9M	50M	50M	50M	50M	49.8M	48.4M	47.8M	47.7M	47.7M	47.6M	50.4M	52.6M	53.2M	54.2M	55M	55.4M	55.7M	55.6M	55.6M	55.8M	56.7M	57.9M	58.4M	59M	60.2M
EPS (Basic)	0.14	0.04	2.68	2.71	0.87	3.43	0.96	9.10	-2.69	2.69	0.24	4.21	0.27	4.50	5.50	5.76	0.25	2.79	0.81	0.63	2.73	-2.2	2.65	2.81	5.28	5.41	3.94	2.96	4.91	4.21	2.48	2.60	0.18	3.56	1.24	2.36
EPS (Diluted)	0.14	0.04	2.65	2.70	0.87	3.41	0.95	9.08	-2.69	2.69	0.24	4.20	0.27	4.47	5.47	5.74	0.25	2.79	0.81	0.63	2.73	-2.13	2.64	2.80	5.25	5.39	3.93	2.95	4.88	4.20	2.47	2.58	0.18	3.55	1.24	2.35
EBITDA	n/a	n/a	203M	211M	n/a	248M	n/a	n/a	n/a	218M	n/a	323M	13M	414.5M	504.8M	537.1M	322.3M	216.1M	216M	202.8M	351.9M	349.1M	236.4M	331.9M	695.3M	644.5M	542.3M	499.5M	429.4M	603.2M	476.9M	477.2M	307.2M	547.7M	346.5M	373.9M
EBIT	-22M	-22M	180M	188M	-24M	225M	-35M	-34M	-33M	189M	-30M	302M	-12.8M	290.7M	371.6M	394.4M	146.2M	291M	47M	25.4M	167.4M	236.1M	193.8M	213M	397.4M	343M	263.1M	240.5M	306.3M	333.6M	213.9M	227.2M	62M	312.7M	216.9M	245.5M
Depreciation & Amortization	22M	22M	23M	23M	24M	23M	35M	34M	33M	29M	30M	21M	25.8M	31.7M	31.5M	34M	63.5M	40.2M	41.3M	38.8M	42.9M	44.9M	42.6M	118.9M	121.1M	122.5M	122M	121.7M	123.1M	124.2M	125.5M	124.8M	127.4M	126.7M	129.6M	128.4M