Bread Financial Holdings Inc. (BFH) Financial Statements (2025 and earlier)

Company Profile

Business Address 3095 LOYALTY CIRCLE
COLUMBUS, OH 43219
State of Incorp. DE
Fiscal Year End December 31
Industry (SIC) 6141 - Personal Credit Institutions (benchmarking)
More info Complete Financial Analysis Financial Benchmarking

Balance Sheet (Statement of Financial Position) ($ in millions)
Annual | Quarterly

12/31/2024
12/31/2023
12/31/2022
12/31/2021
12/31/2020
12/31/2019
12/31/2018
ASSETS
Current Assets
Cash, cash equivalents, and short-term investments3,8404,0213,1263,0823,8743,863
Cash and cash equivalent3,5903,8913,0463,0823,8743,863
Short-term investments25013080   
Restricted cash and investments  877694601559
Receivables371307224384451924
Inventory, net of allowances, customer advances and progress billings    164218252
Inventory    164218252
Other current assets    535268346
Other undisclosed current assets    14,77618,70018,768
Total current assets:4,2114,3284,22719,63424,11324,712
Noncurrent Assets
Operating lease, right-of-use asset988897233264✕
Property, plant and equipment167195215311282595
Long-term investments and receivables  650   
Long-term investments  650   
Intangible assets, net (including goodwill), including:7627996871,4511,1084,381
Goodwill634634 1,3709553,841
Intangible assets, net (excluding goodwill)1281655382153540
Other undisclosed intangible assets, net (including goodwill)   634   
Deferred income tax assets    35945✕
Other noncurrent assets    558682653
Deferred tax assets, net✕✕✕✕✕✕47
Total noncurrent assets:1,0271,0881,0492,9132,3825,676
Other undisclosed assets17,90319,99116,470   
TOTAL ASSETS:23,14125,40721,74622,54726,49530,388
LIABILITIES AND EQUITY
Liabilities
Current Liabilities
Accounts payable and accrued liabilities    774630980
Interest and dividends payable✕✕✕ 111
Accounts payable    328301558
Accrued liabilities    445328421
Deferred revenue    899808✕
Debt     23145
Other liabilities    221338339
Other undisclosed current liabilities    8,52910,07310,021
Total current liabilities:    10,42211,87211,484
Noncurrent Liabilities
Long-term debt and lease obligation, including:    2762925,593
Other undisclosed long-term debt and lease obligation      5,593
Liabilities, other than long-term debt    525532679
Deferred revenue    106114✕
Deferred tax liabilities, net✕✕✕✕✕✕257
Deferred income tax liabilities     80✕
Other liabilities    420338422
Operating lease, liability    276292✕
Other undisclosed noncurrent liabilities    9,80212,21110,299
Total noncurrent liabilities:    10,60413,03516,572
Other undisclosed liabilities20,22323,14219,660   
Total liabilities:20,22323,14219,66021,02624,90728,056
Equity
Equity, attributable to parent2,9182,2652,0861,5221,5882,332
Common stock111111
Treasury stock, value    (6,734)(6,734)(5,716)
Additional paid in capital2,1692,1922,1743,4273,2583,172
Accumulated other comprehensive loss(19)(21)(2)(5)(100)(138)
Retained earnings (accumulated deficit)76793(87)4,8325,1635,012
Total equity:2,9182,2652,0861,5221,5882,332
TOTAL LIABILITIES AND EQUITY:23,14125,40721,74622,54726,49530,388

Income Statement (P&L) ($ in millions)
Annual | Quarterly

12/31/2024
12/31/2023
12/31/2022
12/31/2021
12/31/2020
12/31/2019
12/31/2018
Revenues5,1914,6153,8614,5215,5817,791
Net investment income4,9614,6153,8613,9314,7294,695
Cost of revenue(1,229)(1,594)(544)(2,077)(2,688)(4,221)
Provision for loan, lease, and other losses(1,229)(1,594)(544)(1,266)(1,188) 
Financial services costs✕✕✕✕✕✕(1,016)
Gross profit:3,9623,0213,3172,4442,8943,570
Operating expenses(728)(709)(604)(412)(231)(372)
Other operating income, net
(Noninterest Income, Other Operating Income)		128114156   
Other undisclosed operating loss     (1,356)(1,304)
Operating income:3,3622,4262,8692,0321,3071,894
Interest and debt expense(879)(503)(383)(494)(569)(671)
Income from continuing operations before equity method investments, income taxes:2,4831,9232,4861,5397381,224
Other undisclosed loss from continuing operations before income taxes(1,515)(1,623)(1,442)(1,144)  
Income from continuing operations before income taxes:9683001,0443957381,224
Income tax expense(231)(76)(247)(100)(166)(261)
Income from continuing operations:737224797295573963
Income before gain (loss) on sale of properties:✕✕✕797295573963
Other undisclosed net income (loss) (19)(1)4(81)(295) 
Net income:718223801214278963
Other undisclosed net loss attributable to parent      
Net income attributable to parent:718223801214278963
Preferred stock dividends and other adjustments     (3) 
Undistributed earnings (loss) allocated to participating securities, basic     (7) 
Net income available to common stockholders, basic:718223801214268963
Other undisclosed net income available to common stockholders, diluted     10 
Net income available to common stockholders, diluted:718223801214278963

Comprehensive Income ($ in millions)
Annual | Quarterly

12/31/2024
12/31/2023
12/31/2022
12/31/2021
12/31/2020
12/31/2019
12/31/2018
Net income:718223801214278963
Other comprehensive income (loss)2(19)395382
Comprehensive income:720204804309316965
Other undisclosed comprehensive loss, net of tax, attributable to parent      
Comprehensive income, net of tax, attributable to parent:720204804309316965

Statements Sources

The financial statements are based on the Company's filings with the U.S. Securities and Exchange Commission (SEC) through the Electronic Data Gathering, Analysis, and Retrieval system (EDGAR). The information is derived from the 10-K and 10-Q reports submitted to the SEC in XBRL (eXtensible Business Reporting Language) format and presented according to the US GAAP Taxonomy. Please review the original filings for a more detailed information.

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