Bread Financial Holdings Inc. (BFH) Financial Statements (2026 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

9/30/2025
MRQ
12/31/2024
12/31/2023
12/31/2022
12/31/2021
12/31/2020
12/31/2019
ASSETS
Current Assets
Cash, cash equivalents, and short-term investments3,9513,8404,0213,1263,0823,874
Cash and cash equivalent3,6793,5903,8913,0463,0823,874
Short-term investments 27225013080  
Restricted cash and investments35  877694601
Receivables378371307224384451
Inventory, net of allowances, customer advances and progress billings     164218
Inventory     164218
Other current assets     535268
Other undisclosed current assets     14,77618,700
Total current assets:4,3644,2114,3284,22719,63424,113
Noncurrent Assets
Operating lease, right-of-use asset 87988897233264
Property, plant and equipment142167195215311282
Long-term investments and receivables   650  
Long-term investments   650  
Intangible assets, net (including goodwill), including:7467627996871,4511,108
Goodwill 634634634 1,370955
Intangible assets, net (excluding goodwill) 1121281655382153
Other undisclosed intangible assets, net (including goodwill)   634  
Deferred income tax assets     35945
Other noncurrent assets     558682
Total noncurrent assets:9751,0271,0881,0492,9132,382
Other undisclosed assets17,55217,90319,99116,470  
TOTAL ASSETS:22,89123,14125,40721,74622,54726,495
LIABILITIES AND EQUITY
Liabilities
Current Liabilities
Accounts payable and accrued liabilities     774630
Interest and dividends payable✕✕✕✕ 11
Accounts payable     328301
Accrued liabilities     445328
Deferred revenue     899808
Debt      23
Other liabilities     221338
Other undisclosed current liabilities     8,52910,073
Total current liabilities:     10,42211,872
Noncurrent Liabilities
Long-term debt and lease obligation:     276292
Liabilities, other than long-term debt     525532
Deferred revenue     106114
Deferred income tax liabilities      80
Other liabilities     420338
Operating lease, liability     276292
Other undisclosed noncurrent liabilities     9,80212,211
Total noncurrent liabilities:     10,60413,035
Other undisclosed liabilities19,84020,22323,14219,660  
Total liabilities:19,84020,22323,14219,66021,02624,907
Equity
Equity, attributable to parent3,0512,9182,2652,0861,5221,588
Common stock111111
Treasury stock, value     (6,734)(6,734)
Additional paid in capital2,0732,1692,1922,1743,4273,258
Accumulated other comprehensive loss(22)(19)(21)(2)(5)(100)
Retained earnings (accumulated deficit)99976793(87)4,8325,163
Total equity:3,0512,9182,2652,0861,5221,588
TOTAL LIABILITIES AND EQUITY:22,89123,14125,40721,74622,54726,495

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

9/30/2025
TTM
12/31/2024
12/31/2023
12/31/2022
12/31/2021
12/31/2020
12/31/2019
Revenues4,8315,1914,6153,8614,5215,581
Net investment income4,8204,9614,6153,8613,9314,729
Cost of revenue(1,397)(1,229)(1,594)(544)(2,077)(2,688)
Provision for loan, lease, and other losses(1,397)(1,229)(1,594)(544)(1,266)(1,188)
Gross profit:3,4343,9623,0213,3172,4442,894
Operating expenses(671)(728)(709)(604)(412)(231)
Other operating income, net
(Noninterest Income, Other Operating Income)		144128114156  
Other undisclosed operating loss      (1,356)
Operating income:2,9073,3622,4262,8692,0321,307
Interest and debt expense(107)(879)(503)(383)(494)(569)
Income from continuing operations before equity method investments, income taxes:2,8002,4831,9232,4861,539738
Other undisclosed loss from continuing operations before income taxes(2,419)(1,515)(1,623)(1,442)(1,144) 
Income from continuing operations before income taxes:3819683001,044395738
Income tax expense(102)(231)(76)(247)(100)(166)
Income from continuing operations:279737224797295573
Income before gain (loss) on sale of properties:✕✕✕✕797295573
Other undisclosed net income (loss)  (19)(1)4(81)(295)
Net income:279718223801214278
Other undisclosed net loss attributable to parent(2)     
Net income attributable to parent:277718223801214278
Preferred stock dividends and other adjustments      (3)
Undistributed earnings (loss) allocated to participating securities, basic      (7)
Net income available to common stockholders, basic:277718223801214268
Other undisclosed net income available to common stockholders, diluted      10
Net income available to common stockholders, diluted:277718223801214278

Comprehensive Income ($ in millions)
Annual | Quarterly

9/30/2025
TTM
12/31/2024
12/31/2023
12/31/2022
12/31/2021
12/31/2020
12/31/2019
Net income:279718223801214278
Other comprehensive income (loss) (3)2(19)39538
Comprehensive income:276720204804309316
Other undisclosed comprehensive loss, net of tax, attributable to parent(2)     
Comprehensive income, net of tax, attributable to parent:274720204804309316

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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