Bread Financial Inc. (BFH)

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AI Score

Our AI model analyzes fundamental, technical, and statistical indicators to predict the probability of a bullish trend over the next three months.

We regularly update and refine our models to deliver the most reliable forecasts for you.

Bullish Probability	Sentiment	Score
+80%	Strong Buy	10
+75%	Buy	9
+70%	Buy	8
+60%	Buy	7
+50%	Hold	6
+45%	Hold	5
+40%	Hold	4
+35%	Sell	3
+30%	Sell	2
+20%	Strong Sell	1

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65.27

0.02%

After-hours Dec 13, 2024, 04:00 PM EST

Income Statement (Annual)

Get detailed income statement breakdowns, uncovering revenue, expenses, and much more.

Boring Mode

Year	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11	FY10	FY09	FY08	FY07	FY06	FY05	FY04	FY03	FY02	FY01	FY00	FY99	FY98
Revenue	3.06B	3.87B	3.27B	4.52B	5.58B	5.67B	7.72B	7.14B	6.44B	5.30B	4.32B	3.64B	3.17B	2.79B	1.96B	2.04B	2.30B	2.01B	1.55B	1.26B	1.05B	871.45M	777.35M	678.20M	583.08M	410.91M
Cost of Revenue	-	-	1.59B	2.68B	3.41B	3.08B	5.00B	4.85B	4.29B	3.62B	2.96B	2.51B	2.21B	1.95B	144.80M	1.42B	1.71B	1.48B	1.12B	916.20M	787.17M	668.23M	603.49M	547.99M	466.86M	-
Gross Profit	3.06B	3.87B	1.68B	1.84B	2.17B	2.59B	2.72B	2.29B	2.15B	1.68B	1.36B	1.14B	967.50M	841.90M	1.82B	619.58M	590.64M	523.12M	427.85M	341.24M	261.98M	203.22M	173.86M	130.21M	116.23M	410.91M
Operating Income	1.59B	802.00M	1.04B	394.50M	882.20M	1.76B	1.65B	1.27B	1.26B	1.10B	1.10B	974.30M	812.70M	629.20M	407.70M	460.50M	344.27M	347.27M	233.61M	172.10M	133.39M	80.65M	54.22M	21.86M	2.46M	5.48M
Interest Income	5.14B	4.68B	3.87B	3.95B	-	-	-	-	-	-	-	-	-	-	-	15.60M	-	-	-	-	-	-	-	-	-	-
Pretax Income	968.00M	300.00M	1.04B	394.50M	738.40M	1.22B	1.08B	837.00M	928.30M	837.90M	793.40M	682.80M	514.10M	310.90M	262.90M	396.85M	274.75M	306.27M	222.13M	164.32M	108.98M	47.42M	4.00M	-19.48M	-40.33M	-
Net Income	718.00M	223.00M	801.00M	295.00M	572.60M	963.10M	788.70M	515.80M	594.30M	506.30M	496.20M	422.20M	315.30M	193.70M	143.70M	217.39M	164.06M	189.60M	138.75M	102.37M	67.30M	26.20M	-8.23M	-21.32M	-29.84M	-
Selling & General & Admin	1.03B	959.00M	831.00M	105.70M	150.60M	162.50M	166.30M	143.20M	138.48M	141.47M	109.11M	108.06M	95.26M	85.77M	99.82M	82.80M	80.90M	91.81M	91.53M	77.74M	54.03M	56.10M	45.43M	32.20M	35.97M	17.59M
Research & Development	-	-	-	-	-	-	-	-	-	-	-	30.00M	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other Expenses	-	-1.07B	187.00M	1.34B	1.21B	1.50B	1.64B	1.45B	1.16B	844.23M	561.88M	452.36M	453.47M	531.05M	125.29M	135.82M	166.63M	125.04M	102.71M	91.40M	74.56M	66.47M	74.20M	76.14M	77.80M	387.84M
Operating Expenses	1.47B	180.00M	1.02B	1.45B	1.36B	1.37B	1.64B	1.45B	1.16B	844.20M	561.90M	452.40M	453.40M	531.00M	1.56B	218.62M	247.53M	216.85M	194.24M	169.14M	128.59M	122.57M	119.64M	108.34M	113.77M	405.43M
Interest Expense	879.00M	503.00M	383.00M	108.50M	130.00M	156.40M	282.70M	218.20M	179.50M	131.90M	181.10M	173.50M	148.80M	133.80M	144.80M	79.25M	-	-	14.48M	6.97M	17.28M	21.21M	30.10M	-	-	-
Selling & Marketing Expenses	161.00M	180.00M	160.00M	143.00M	205.00M	-	-	2.02B	2.01B	1.44B	1.29B	-	-	-	-	525.92M	452.14M	319.70M	185.31M	644.85M	548.04M	502.43M	482.22M	-	-	-
Cost & Expenses	1.47B	180.00M	2.61B	4.13B	4.77B	4.45B	6.64B	6.30B	5.45B	4.46B	3.53B	2.96B	2.66B	2.48B	1.70B	1.64B	1.96B	1.70B	1.32B	1.09B	915.75M	790.80M	723.13M	656.33M	580.63M	405.43M
Income Tax	231.00M	76.00M	247.00M	99.50M	165.80M	269.50M	292.40M	319.40M	325.10M	321.80M	297.20M	260.60M	198.80M	115.30M	86.20M	153.45M	110.69M	116.66M	83.38M	61.95M	41.68M	20.67M	11.61M	1.84M	-10.49M	-
Shares Outstanding (Basic)	49.80M	49.90M	49.70M	47.80M	50.00M	54.90M	55.70M	58.60M	61.90M	56.40M	49.19M	50.01M	50.69M	52.53M	55.77M	71.50M	78.40M	79.73M	82.21M	80.61M	78.25M	73.93M	64.58M	47.54M	42.63M	41.73M
Shares Outstanding (Diluted)	50.00M	50.00M	50.00M	47.90M	50.00M	55.10M	55.90M	58.90M	62.30M	62.40M	66.87M	64.14M	57.80M	55.71M	57.71M	73.64M	80.81M	81.69M	84.64M	84.04M	80.12M	76.32M	64.58M	47.54M	42.63M	41.73M
EPS (Basic)	14.42	4.47	16.12	6.17	11.45	17.54	14.17	7.37	8.91	8.72	10.09	8.44	6.22	3.69	2.58	2.88	2.09	2.38	1.69	1.27	0.86	0.32	-0.13	-0.45	-0.7	-0.43
EPS (Diluted)	14.36	4.46	16.02	6.16	11.45	17.48	14.10	7.34	8.85	7.87	7.42	6.58	5.45	3.48	2.49	2.80	2.03	2.32	1.64	1.22	0.84	0.31	-0.13	-0.45	-0.7	-0.43
EBITDA	-	-	1.14B	407.00M	1.50B	1.96B	2.14B	1.78B	1.75B	1.15B	1.32B	849.78M	997.56M	781.17M	365.69M	528.07M	598.30M	478.90M	336.31M	262.69M	205.35M	140.97M	124.80M	98.01M	2.46M	49.25M
Depreciation & Amortization	116.00M	113.00M	92.00M	106.00M	188.00M	203.40M	497.60M	512.10M	492.10M	313.10M	216.10M	166.90M	153.10M	143.20M	125.41M	143.81M	166.63M	125.04M	99.71M	91.40M	74.56M	66.47M	74.20M	76.14M	-	43.77M