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BREAD FINANCIAL HOLDINGS, INC.

BFH Clue Score44
United States Fiscal year ends December CIK 0001101215
$100.58 -0.15% Close, 9 Oct 2026
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Price $100.58 +2.55% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2016Revenue7.14Operating income1.27Net income0.52EPS, diluted7.34Fiscal year 2017Revenue5.47 −23.3%Operating income1.52Net income0.79 +52.4%EPS, diluted14.10 +92.1%Fiscal year 2018Revenue0.96 −82.5%Operating income1.76Net income0.96 +22.1%EPS, diluted17.49 +24.0%Fiscal year 2019Revenue0.84 −12.5%Operating income0.66Net income0.28 −71.1%EPS, diluted5.46 −68.8%Fiscal year 2020Revenue0.58 −31.3%Operating income0.30Net income0.21 −23.0%EPS, diluted4.46 −18.3%Fiscal year 2021Net income0.80 +274.3%EPS, diluted16.02 +259.2%Fiscal year 2022Net income0.22 −72.2%EPS, diluted4.46 −72.2%Fiscal year 2023Net income0.72 +222.0%EPS, diluted14.34 +221.5%Fiscal year 2024Net income0.28 −61.4%EPS, diluted5.49 −61.7%Fiscal year 2025Net income0.52 +87.0%EPS, diluted10.89 +98.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 7.14 5.47 0.96 0.84 0.58 n/a n/a n/a n/a n/a
Growth −23.3% −82.5% −12.5% −31.3%
Operating income 1.27 1.52 1.76 0.66 0.30 n/a n/a n/a n/a n/a
Net income 0.52 0.79 0.96 0.28 0.21 0.80 0.22 0.72 0.28 0.52
Growth +52.4% +22.1% −71.1% −23.0% +274.3% −72.2% +222.0% −61.4% +87.0%
EPS, diluted 7.34 14.10 17.49 5.46 4.46 16.02 4.46 14.34 5.49 10.89
Growth +92.1% +24.0% −68.8% −18.3% +259.2% −72.2% +221.5% −61.7% +98.4%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2016Operating margin17.7%Net margin7.3%Free cash flow margin26.9%Fiscal year 2017Operating margin27.7%Net margin14.4%Free cash flow margin43.4%Fiscal year 2018Operating margin183.0%Net margin100.3%Free cash flow margin266.1%Fiscal year 2019Operating margin78.8%Net margin33.1%Free cash flow margin128.1%Fiscal year 2020Operating margin52.1%Net margin37.1%Free cash flow margin316.9%Fiscal year 2021Fiscal year 2022Fiscal year 2023Fiscal year 2024Fiscal year 2025
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating margin 17.7% 27.7% 183.0% 78.8% 52.1% n/a n/a n/a n/a n/a
Net margin 7.3% 14.4% 100.3% 33.1% 37.1% n/a n/a n/a n/a n/a
Free cash flow margin 26.9% 43.4% 266.1% 128.1% 316.9% n/a n/a n/a n/a n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow2.13Capital expenditure−0.21Free cash flow1.92Buybacks−0.80Dividends paid−0.03Fiscal year 2017Operating cash flow2.60Capital expenditure−0.23Free cash flow2.37 +23.6%Buybacks−0.55Dividends paid−0.12Fiscal year 2018Operating cash flow2.75Capital expenditure−0.20Free cash flow2.56 +7.6%Buybacks−0.44Dividends paid−0.13Fiscal year 2019Operating cash flow1.22Capital expenditure−0.14Free cash flow1.08 −57.9%Buybacks−0.98Dividends paid−0.13Fiscal year 2020Operating cash flow1.88Capital expenditure−0.05Free cash flow1.83 +70.0%Dividends paid−0.06Fiscal year 2021Operating cash flow1.54Capital expenditure−0.08Free cash flow1.46 −20.2%Buybacks0.00Dividends paid−0.04Fiscal year 2022Operating cash flow1.85Capital expenditure−0.07Free cash flow1.78 +22.0%Buybacks−0.01Dividends paid−0.04Fiscal year 2023Operating cash flow1.99Buybacks−0.04Dividends paid−0.04Fiscal year 2024Operating cash flow1.86Buybacks−0.06Dividends paid−0.04Fiscal year 2025Operating cash flow2.09Buybacks−0.31Dividends paid−0.04
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 2.13 2.60 2.75 1.22 1.88 1.54 1.85 1.99 1.86 2.09
Capital expenditure −0.21 −0.23 −0.20 −0.14 −0.05 −0.08 −0.07 n/a n/a n/a
Free cash flow 1.92 2.37 2.56 1.08 1.83 1.46 1.78 n/a n/a n/a
Growth +23.6% +7.6% −57.9% +70.0% −20.2% +22.0%
Buybacks −0.80 −0.55 −0.44 −0.98 n/a 0.00 −0.01 −0.04 −0.06 −0.31
Dividends paid −0.03 −0.12 −0.13 −0.13 −0.06 −0.04 −0.04 −0.04 −0.04 −0.04

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash1.86Total debt5.60Net cash (debt)−3.74Shareholders’ equity1.66Debt to equity3.38Fiscal year 2017Cash4.19Total debt6.08Net cash (debt)−1.89Shareholders’ equity1.86Debt to equity3.28Fiscal year 2018Cash3.82Total debt5.74Net cash (debt)−1.92Shareholders’ equity2.33Debt to equity2.46Fiscal year 2019Cash3.87Total debt2.85Net cash (debt)1.02Shareholders’ equity1.59Debt to equity1.79Fiscal year 2020Cash2.80Total debt2.81Net cash (debt)−0.01Shareholders’ equity1.52Debt to equity1.84Fiscal year 2021Cash3.05Total debt7.44Net cash (debt)−4.39Shareholders’ equity2.09Debt to equity3.57Fiscal year 2022Cash3.89Total debt8.01Net cash (debt)−4.12Shareholders’ equity2.27Debt to equity3.54Fiscal year 2023Cash3.59Total debt5.29Net cash (debt)−1.70Shareholders’ equity2.92Debt to equity1.81Fiscal year 2024Cash3.68Total debt5.56Net cash (debt)−1.88Shareholders’ equity3.05Debt to equity1.82Fiscal year 2025Cash3.60Total debt4.31Net cash (debt)−0.70Shareholders’ equity3.33Debt to equity1.29
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 1.86 4.19 3.82 3.87 2.80 3.05 3.89 3.59 3.68 3.60
Total debt 5.60 6.08 5.74 2.85 2.81 7.44 8.01 5.29 5.56 4.31
Net cash (debt) −3.74 −1.89 −1.92 1.02 −0.01 −4.39 −4.12 −1.70 −1.88 −0.70
Shareholders’ equity 1.66 1.86 2.33 1.59 1.52 2.09 2.27 2.92 3.05 3.33
Debt to equity 3.38 3.28 2.46 1.79 1.84 3.57 3.54 1.81 1.82 1.29

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Balance sheet

In billions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Assets
1.86 4.19 3.82 3.87 2.80 3.05 3.89 3.59 3.68 3.60
0.80 0.82 0.40 0.45 0.38 n/a n/a n/a n/a n/a
0.27 0.23 0.25 0.22 0.16 n/a n/a n/a n/a n/a
0.59 0.61 0.29 0.28 0.21 0.22 0.20 0.17 0.14 0.12
3.80 0.99 0.95 0.95 0.63 0.63 0.63 0.63 0.63 0.63
25.51 30.68 30.39 26.49 22.55 21.75 25.41 23.14 22.89 22.66
Growth +20.3% −1.0% −12.8% −14.9% −3.6% +16.8% −8.9% −1.1% −1.0%
Liabilities
5.60 6.08 5.74 2.85 2.81 7.44 8.01 5.29 5.56 4.31
calc 5.60 6.08 5.74 2.85 2.81 7.44 8.01 5.29 5.56 4.31
23.86 28.83 28.06 24.91 21.03 19.66 23.14 20.22 19.84 19.34
Equity
3.49 4.17 5.01 5.16 4.83 −0.09 0.09 0.77 1.00 1.48
1.66 1.86 2.33 1.59 1.52 2.09 2.27 2.92 3.05 3.33
Growth +11.9% +25.7% −31.9% −4.2% +37.1% +8.6% +28.8% +4.6% +9.0%
Per share and net cash
calc −3.74 −1.89 −1.92 1.02 −0.01 −4.39 −4.12 −1.70 −1.88 −0.70
55.9 55.5 53.0 47.6 49.7 49.9 50.1 49.4 49.1 44.1
calc 29.65 33.45 44.00 33.36 30.63 41.76 45.20 59.04 62.14 75.44

Lines marked calc are worked out here from filed figures; point at one for how.