Bread Financial Inc. (BFH)
49.93
-1.33 (-2.59%)
At close: Mar 28, 2025, 3:59 PM
48.95
-1.97%
Pre-market: Mar 31, 2025, 06:18 AM EDT
Bread Financial Income Statement
| Year | FY24 | 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 | 5.02B | 3.06B | 3.87B | 3.27B | 4.52B | 5.58B | 5.67B | 7.72B | 7.14B | 6.44B | 5.3B | 4.32B | 3.64B | 3.17B | 2.79B | 1.96B | 2.04B | 2.3B | 2.01B | 1.55B | 1.26B | 1.05B | 871.45M | 777.35M | 678.2M | 583.08M | 410.91M |
| Cost of Revenue | n/a | n/a | n/a | 1.59B | 2.68B | 3.41B | 3.08B | 5B | 4.85B | 4.29B | 3.62B | 2.96B | 2.51B | 2.21B | 1.95B | 144.8M | 1.42B | 1.71B | 1.48B | 1.12B | 916.2M | 787.17M | 668.23M | 603.49M | 547.99M | 466.86M | n/a |
| Gross Profit | 5.02B | 3.06B | 3.87B | 1.68B | 1.84B | 2.17B | 2.59B | 2.72B | 2.29B | 2.15B | 1.68B | 1.36B | 1.14B | 967.5M | 841.9M | 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 | 279M | 1.59B | 802M | 1.04B | 394.5M | 882.2M | 1.76B | 1.65B | 1.27B | 1.26B | 1.1B | 1.1B | 974.3M | 812.7M | 629.2M | 407.7M | 460.5M | 344.27M | 347.27M | 233.61M | 172.1M | 133.39M | 80.65M | 54.22M | 21.86M | 2.46M | 5.48M |
| Interest Income | 5.02B | 5.14B | 4.68B | 3.87B | 3.95B | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 15.6M | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Pretax Income | 381M | 968M | 300M | 1.04B | 394.5M | 738.4M | 1.22B | 1.08B | 837M | 928.3M | 837.9M | 793.4M | 682.8M | 514.1M | 310.9M | 262.9M | 396.85M | 274.75M | 306.27M | 222.13M | 164.32M | 108.98M | 47.42M | 4M | -19.48M | -40.33M | n/a |
| Net Income | 277M | 718M | 223M | 801M | 295M | 572.6M | 963.1M | 788.7M | 515.8M | 594.3M | 506.3M | 496.2M | 422.2M | 315.3M | 193.7M | 143.7M | 217.39M | 164.06M | 189.6M | 138.75M | 102.37M | 67.3M | 26.2M | -8.23M | -21.32M | -29.84M | n/a |
| Selling & General & Admin | 1.04B | 1.03B | 959M | 831M | 105.7M | 150.6M | 162.5M | 166.3M | 143.2M | 138.48M | 141.47M | 109.11M | 108.06M | 95.26M | 85.77M | 99.82M | 82.8M | 80.9M | 91.81M | 91.53M | 77.74M | 54.03M | 56.1M | 45.43M | 32.2M | 35.97M | 17.59M |
| 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 | 30M | 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 | 2.79B | n/a | -1.07B | 187M | 1.34B | 1.21B | 1.5B | 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 | 91.4M | 74.56M | 66.47M | 74.2M | 76.14M | 77.8M | 387.84M |
| Operating Expenses | 3.84B | 1.47B | 180M | 1.02B | 1.45B | 1.36B | 1.37B | 1.64B | 1.45B | 1.16B | 844.2M | 561.9M | 452.4M | 453.4M | 531M | 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 | 960M | 879M | 503M | 383M | 108.5M | 130M | 156.4M | 282.7M | 218.2M | 179.5M | 131.9M | 181.1M | 173.5M | 148.8M | 133.8M | 144.8M | 79.25M | n/a | n/a | 14.48M | 6.97M | 17.28M | 21.21M | 30.1M | n/a | n/a | n/a |
| Selling & Marketing Expenses | 147M | 161M | 180M | 160M | 143M | 205M | n/a | n/a | 2.02B | 2.01B | 1.44B | 1.29B | n/a | n/a | n/a | n/a | 525.92M | 452.14M | 319.7M | 185.31M | 644.85M | 548.04M | 502.43M | 482.22M | n/a | n/a | n/a |
| Cost & Expenses | 3.84B | 1.47B | 180M | 2.61B | 4.13B | 4.77B | 4.45B | 6.64B | 6.3B | 5.45B | 4.46B | 3.53B | 2.96B | 2.66B | 2.48B | 1.7B | 1.64B | 1.96B | 1.7B | 1.32B | 1.09B | 915.75M | 790.8M | 723.13M | 656.33M | 580.63M | 405.43M |
| Income Tax | 102M | 231M | 76M | 247M | 99.5M | 165.8M | 269.5M | 292.4M | 319.4M | 325.1M | 321.8M | 297.2M | 260.6M | 198.8M | 115.3M | 86.2M | 153.45M | 110.69M | 116.66M | 83.38M | 61.95M | 41.68M | 20.67M | 11.61M | 1.84M | -10.49M | n/a |
| Shares Outstanding (Basic) | 49.6M | 49.8M | 49.9M | 49.7M | 47.8M | 50M | 54.9M | 55.7M | 58.6M | 61.9M | 56.4M | 49.19M | 50.01M | 50.69M | 52.53M | 55.77M | 71.5M | 78.4M | 79.73M | 82.21M | 80.61M | 78.25M | 73.93M | 64.58M | 47.54M | 42.63M | 41.73M |
| Shares Outstanding (Diluted) | 50.4M | 50M | 50M | 50M | 47.9M | 50M | 55.1M | 55.9M | 58.9M | 62.3M | 62.4M | 66.87M | 64.14M | 57.8M | 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) | 5.58 | 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) | 5.50 | 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 | 1.43B | n/a | n/a | 1.14B | 407M | 1.5B | 1.96B | 2.14B | 1.78B | 1.75B | 1.15B | 1.32B | 849.78M | 997.56M | 781.17M | 365.69M | 528.07M | 598.3M | 478.9M | 336.31M | 262.69M | 205.35M | 140.97M | 124.8M | 98.01M | 2.46M | 49.25M |
| Depreciation & Amortization | 90M | 116M | 113M | 92M | 106M | 188M | 203.4M | 497.6M | 512.1M | 492.1M | 313.1M | 216.1M | 166.9M | 153.1M | 143.2M | 125.41M | 143.81M | 166.63M | 125.04M | 99.71M | 91.4M | 74.56M | 66.47M | 74.2M | 76.14M | n/a | 43.77M |