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	4.32B	4.41B	4.46B	4.24B	4.29B	4.31B	4.27B	4.23B	3.87B	2.91B	3.02B	3.12B	3.27B	4.31B	4.26B	4.22B	4.52B	4.87B	5.26B	5.63B	5.58B	6.18B	6.69B	7.24B	7.79B	7.84B	7.81B	7.72B	7.72B	7.44B	7.41B	7.34B	7.14B	7.06B	6.76B	6.51B
Cost of Revenue	444M	492M	516M	569M	n/a	-270M	n/a	n/a	n/a	-190.6M	425.2M	1.05B	1.67B	2.61B	2.62B	2.6B	2.64B	2.77B	3B	3.25B	3.41B	3.91B	4.33B	4.69B	5.06B	5.04B	5.02B	4.99B	5B	5B	4.95B	4.93B	4.85B	4.65B	4.48B	4.32B
Gross Profit	3.88B	3.92B	3.95B	3.67B	4.29B	4.58B	4.27B	4.23B	3.87B	3.1B	2.6B	2.07B	1.6B	1.7B	1.64B	1.62B	1.88B	2.11B	2.26B	2.38B	2.17B	2.27B	2.36B	2.55B	2.73B	2.8B	2.79B	2.73B	2.72B	2.44B	2.46B	2.41B	2.29B	2.41B	2.29B	2.2B
Operating Income	279M	15M	185M	69M	-119M	224M	373M	420M	800M	804.2M	865M	1.23B	1.35B	1.62B	1.53B	1.23B	888.4M	938.7M	951.9M	1.11B	1.31B	1.57B	1.79B	1.87B	1.89B	1.78B	1.74B	1.67B	1.65B	1.36B	1.3B	1.27B	1.27B	1.45B	1.31B	1.28B
Interest Income	5.02B	5.12B	5.14B	5.11B	5.15B	5.16B	5.08B	4.95B	4.68B	3.36B	2.14B	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	381M	426M	611M	517M	967M	741M	705M	635M	299M	494.2M	595.9M	951.5M	1.04B	1.2B	1.09B	763.4M	394.4M	415.7M	404M	550.8M	732.8M	962.8M	1.15B	1.21B	1.22B	1.13B	1.11B	1.07B	1.08B	836.6M	815.7M	818.7M	837M	1.05B	939.2M	927.3M
Net Income	276M	312M	481M	396M	717M	540M	503M	467M	222M	373.6M	463.3M	724.8M	801M	795.4M	705M	469.9M	213.7M	332.1M	91.2M	191.8M	310.9M	465.4M	869.5M	948.3M	963.1M	949.5M	886.2M	806.1M	788.6M	527.8M	502.1M	505.1M	515.8M	677.3M	598.2M	588.8M
Selling & General & Admin	1.04B	1.02B	1B	1.01B	1.03B	1.02B	1.02B	1.01B	960M	1.45B	1.24B	1.02B	831M	111.1M	105.6M	98.8M	105.8M	96.5M	99.3M	136.2M	150.6M	173.6M	187.1M	177.9M	172.7M	167.9M	160.6M	154.9M	166.4M	156.8M	159.8M	160.3M	143.3M	137.99M	137.88M	135.89M
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	886M	-15M	-996M	-1.04B	233M	1.15B	1.16B	1.24B	-557M	-759.5M	-316.7M	-108.3M	722.1M	493.6M	548.6M	822.6M	1.45B	1.66B	1.75B	1.76B	1.36B	1.23B	1.21B	1.34B	1.5B	1.67B	1.68B	1.66B	1.64B	1.6B	1.65B	1.59B	1.45B	1.37B	1.28B	1.2B
Operating Expenses	2.06B	2.05B	1.1B	917M	1.97B	1.5B	1.51B	1.52B	-329M	202.9M	351.7M	319.1M	939.5M	493.6M	548.6M	822.6M	1.45B	1.66B	1.75B	1.76B	1.36B	1.23B	1.21B	1.34B	1.5B	1.67B	1.68B	1.66B	1.64B	1.6B	1.65B	1.59B	1.45B	1.37B	1.28B	1.2B
Interest Expense	960M	967M	946M	910M	880M	837M	751M	641M	502M	311M	215.3M	162.1M	128.6M	154M	141.4M	125.7M	108.6M	106.4M	107.8M	120.4M	135.5M	178.3M	221.6M	256.6M	284.7M	287.2M	291.7M	290.3M	282.7M	269.1M	249.8M	231M	218.2M	206.6M	197.3M	188.3M
Selling & Marketing Expenses	147M	145M	143M	150M	161M	171M	179M	189M	181M	285M	276M	261M	272M	112M	77M	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	516.3M	985.4M	1.44B	1.44B	1.42B	1.42B
Cost & Expenses	3.86B	3.9B	2.95B	2B	2.24B	1.5B	1.51B	1.52B	-329M	12.3M	776.9M	1.37B	2.61B	3.1B	3.17B	3.43B	4.09B	4.42B	4.75B	5.01B	4.78B	5.14B	5.53B	6.03B	6.57B	6.71B	6.69B	6.65B	6.64B	6.6B	6.6B	6.52B	6.3B	6.01B	5.76B	5.52B
Income Tax Expense	103M	111M	126M	101M	231M	183M	186M	168M	76M	123.6M	135.6M	229.7M	246.9M	326.1M	301.7M	212.2M	99.4M	83.6M	83.6M	126.4M	164.1M	239.6M	253.6M	239M	260.6M	183.1M	226.9M	266.3M	292.4M	308.8M	313.6M	313.6M	319.4M	361.4M	331.2M	330M
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)	5.57	6.30	9.69	7.97	14.36	10.80	10.06	9.34	4.45	7.41	9.22	14.48	16.03	16.01	14.30	9.61	4.48	6.96	1.97	3.81	5.99	8.54	16.15	17.44	17.59	17.22	16.02	14.56	14.20	9.47	8.82	7.58	7.34	9.49	8.02	8.90
EPS (Diluted)	5.53	6.26	9.63	7.93	14.31	10.75	10.03	9.32	4.44	7.40	9.18	14.41	15.95	15.93	14.25	9.59	4.48	6.96	2.04	3.87	6.04	8.56	16.08	17.37	17.52	17.15	15.96	14.50	14.13	9.43	8.78	7.55	7.32	9.45	7.98	8.85
EBITDA	414M	414M	662M	459M	248M	248M	218M	218M	541M	554M	750.5M	1.26B	1.47B	1.78B	1.58B	1.29B	957.2M	986.8M	1.12B	1.14B	1.27B	1.61B	1.91B	2.21B	2.38B	2.12B	2.07B	2.01B	1.99B	1.86B	1.81B	1.68B	1.58B	1.67B	1.51B	1.49B
EBIT	324M	322M	569M	354M	132M	123M	87M	92M	428M	448.2M	549.9M	951.5M	1.04B	1.2B	1.2B	878.6M	509.6M	530.8M	475.9M	622.7M	810.3M	1.04B	1.15B	1.22B	1.24B	1.15B	1.14B	1.09B	1.08B	836.7M	815.8M	818.8M	837.1M	1.05B	1.01B	995.22M
Depreciation & Amortization	90M	92M	93M	105M	116M	125M	131M	126M	113M	105.8M	108.5M	110M	123M	160.7M	169.2M	179M	183.8M	163.2M	167.9M	169.2M	249.3M	327.5M	405.1M	484.5M	487.3M	489.3M	491M	494.5M	497.6M	501.9M	504.4M	508.5M	512.1M	509.7M	506.4M	498.9M