arrow_back Back Filing freshness 10-Q FY 2025 SEC EDGAR

download Export Data

BREAD FINANCIAL HOLDINGS, INC.

BFH

$108.39 ▼ -1.59 (-1.45%) at close

19 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Neutral

auto_awesome

Analytical Summary

BREAD FINANCIAL HOLDINGS, INC. shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $5.1B

Dividend Yield 0.79%

Revenue Growth 0.2% ↗

Op. Margin 16.0% ↗

ROIC None

FCF / Share None

Trailing P/E 9.8x

Price / Book 1.4x

FCF Yield —

Debt / Equity 1.29

info Valuation on last close. End-of-day price, Aug 7, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$3.85B

— +0.2% —

Net Income Profit after all expenses

$518.00M

↑ +87.0% —

Operating Margin Operating profit as % of sales

16.0%

↑ +61.1% 69th

Long-Term Debt Long-term obligations

$4.31B

↓ -22.5% —

trending_up

Bullish Indicators

Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.86 Latest / share

+2.4% YoY

+6.5% 9-yr CAGR

FY 2014

FY 2015

$0.52

FY 2016

$2.08

FY 2017

$0.57

FY 2018

$0.63

FY 2019

FY 2020

$0.84

FY 2021

$0.84

FY 2022

$0.84

FY 2023

$0.84

FY 2024

$0.86

FY 2025

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

Range

→

📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	0.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-97%)	-10.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-275%)	12.1% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+102%)	16.9% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+182%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS Growth YoY (%)	98.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-61.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	221.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-72.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	260.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-16.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-69.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	23.9% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	92.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-17.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-13.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	19.5% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	35.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	68.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	43.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-10.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	87.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-61.4% Weak ↓ Weak Declining Year-over-year change in net income	222.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-72.2% Weak ↓ Weak Declining Year-over-year change in net income	274.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-23.1% Weak ↓ Weak Declining Year-over-year change in net income	-71.1% Weak ↓ Weak Declining Year-over-year change in net income	22.1% Good ↑ Good Improving Year-over-year change in net income	52.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-14.5% Weak ↓ Weak Declining Year-over-year change in net income	17.3% Good ↓ Good Declining Year-over-year change in net income	4.0% Caution ↓ Caution Declining Year-over-year change in net income	17.5% Good ↓ Good Declining Year-over-year change in net income	33.9% Excellent ↑ Excellent Improving Year-over-year change in net income	62.7% Excellent ↑ Excellent Improving Year-over-year change in net income	34.8% Excellent Excellent Year-over-year change in net income	-30.4% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) 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
Revenue CAGR 3Y (%)	0.2% Weak Weak Compound annual revenue growth over 3 years	5.5% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	35.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-29.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	47.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-5.9% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-2.9% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-31.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-10.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	25.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	17.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-9.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	11.9% Good ↓ Good Declining Compound annual EPS growth over 3 years	39.8% Excellent → Excellent Stable Compound annual EPS growth over 3 years	48.4% Excellent Excellent Compound annual EPS growth over 3 years	29.3% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	16.0% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	9.9% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	22.6% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	7.8% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	31.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	15.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.8% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.3% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.5% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.0% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	38.2% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.0% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	13.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	7.2% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	16.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	5.8% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	24.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF Margin (%) (%) 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
FCF / Net Income (x) 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

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) 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
Return on Capital (%) (%)	2.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	4.9% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	5.8% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	5.4% Caution → Caution Stable Operating profit relative to total assets Optimal: > 10%	5.0% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	5.6% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	5.4% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	8.3% Fair → Fair Stable Operating profit relative to total assets Optimal: > 10%	8.1% Fair → Fair Stable Operating profit relative to total assets Optimal: > 10%	9.0% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	7.6% Fair Fair Operating profit relative to total assets Optimal: > 10%	7.8% Fair Fair Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	15.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+30%)	9.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	24.6% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+105%)	9.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	38.4% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+220%)	14.0% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+17%)	17.5% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+46%)	41.3% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+244%)	42.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+254%)	31.2% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+160%)	30.1% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+151%)	21.5% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+79%)	58.0% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+383%)	79.9% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+566%)	179.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+1393%)	—	52.7% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+339%)	37.7% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+214%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	1.29x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+8%)	1.82x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+52%)	1.81x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+51%)	3.54x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+195%)	3.57x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+197%)	1.84x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+54%)	1.79x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+50%)	—	3.28x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+173%)	—	—	1.99x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+66%)	—	5.40x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+350%)	12.41x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+934%)	—	—	—	—
Interest Coverage (x) 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
Net Debt (USD) 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
Debt / EBITDA (x) 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

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$82.16	$77.38	$86.12	$76.67	$65.84	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$11.07	$5.58	$14.39	$4.47	$16.09	$4.47	$5.36	$17.56	$14.17	$7.37	$8.91	$8.72	$10.09	$8.44	$6.22	$3.69	$2.58	$2.88	—
Free Cash Flow per Share (USD) 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
Dividend per Share (USD)	$0.86	$0.84	$0.84	$0.84	$0.84	—	$0.63	$0.57	$2.08	$0.52	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$75.44	$62.14	$58.59	$45.39	$41.97	$31.83	$31.77	$42.48	$33.31	$28.30	$32.47	$42.51	$17.40	$10.57	$3.47	$0.44	$4.89	$7.65	—
Tangible Book Value per Share (USD)	$59.21	$46.95	$43.29	$29.38	$28.15	$1.47	$9.60	$21.13	$-50.73	$-53.68	$-29.15	$-52.95	$-27.25	$-36.10	$-32.69	$-28.80	$-21.70	$7.65	—
Basic Weighted Avg Shares (shares)	46.80M	49.60M	49.80M	49.90M	49.70M	47.80M	50.00M	54.90M	55.70M	58.60M	61.90M	56.38M	49.19M	50.01M	50.69M	52.53M	55.77M	71.50M	—
Dividend Payout Ratio (%)	7.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	15.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	5.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	18.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	5.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	—	11.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	3.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	14.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	7.1% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD) 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
LT Debt (USD)	$4.31B	$5.56B	$5.29B	$8.01B	$7.44B	$2.81B	$2.85B	—	$6.08B	—	—	$4.77B	—	$2.85B	$2.18B	—	—	—	—
Total Equity (USD)	$3.33B	$3.05B	$2.92B	$2.27B	$2.09B	$1.52B	$1.59B	$2.33B	$1.86B	$1.66B	$2.01B	$2.40B	$855.76M	$528.49M	$175.97M	$23.09M	$272.78M	$547.30M	$1.20B

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$3.85B	$3.84B	$4.29B	$3.83B	$3.27B	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Depreciation Expense (USD)	$80.00M	$90.00M	$116.00M	$113.00M	$123.00M	$183.80M	$249.30M	$487.30M	$497.60M	$512.10M	$492.20M	$313.08M	$216.12M	$166.88M	$153.15M	$143.23M	$125.41M	$143.81M	—
Net Income, GAAP (USD)	$518.00M	$277.00M	$718.00M	$223.00M	$801.00M	$213.70M	$278.00M	$963.10M	$788.70M	$517.60M	$605.40M	$516.14M	$496.17M	$422.26M	$315.29M	$193.74M	$143.73M	$206.40M	—
Operating Cash Flow (USD)	$2.09B	$1.86B	$1.99B	$1.85B	$1.54B	$1.88B	$1.22B	$2.75B	$2.61B	$2.11B	$1.76B	—	—	$1.13B	$1.01B	$902.71M	$358.41M	$451.02M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Net Interest Margin (approx.) (%)	17.9%	17.8%	18.4%	16.5%	16.0%	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Efficiency Ratio (%) (%)	—	—	—	50.5%	51.5%	—	—	—	—	—	—	—	—	—	—	—	—	—	—

⌨️ Keyboard Shortcuts

/ Search

Esc Clear

A Annual

Q Quarterly

1-7 Jump to category

R Reset

bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 19 years · 72 quarters

BREAD FINANCIAL HOLDINGS, INC.

Analytical Summary

19-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

Compare BFH with peers