Revenue
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Bread Financial Holdings, Inc. (BFH)
Price$106.86Cached quote
Net income
2008
2009
2010
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Free cash flow
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Total cash / debt
CashTotal debt
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Financial statements
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.85B | $3.84B | $4.29B | $3.83B | $3.27B | $3.30B | $4.05B | $960.1M | $5.47B | $7.14B | $6.44B | $5.30B | $4.32B | $3.64B | $3.17B | $2.79B | $1.96B | $2.03B |
| Gross profit | — | — | — | — | $2.06B | $1.22B | $1.36B | −$1.58B | $3.01B | $2.86B | $2.63B | $2.08B | $1.77B | $1.53B | $1.36B | $1.25B | $610.2M | $683.3M |
| Gross margin | — | — | — | — | 63.02% | 37.01% | 33.63% | −164.26% | 54.89% | 40.08% | 40.77% | 39.30% | 40.98% | 42.15% | 42.90% | 44.64% | 31.06% | 33.74% |
| Operating expenses | $1.99B | $2.06B | $2.09B | $1.93B | $1.68B | $1.73B | $2.20B | — | $3.96B | $5.87B | $5.18B | $4.20B | $3.22B | $2.67B | $2.36B | $2.16B | $1.56B | $1.56B |
| Operating income | — | — | — | — | $1.04B | $301.0M | $662.0M | $1.76B | $1.52B | $1.27B | $1.26B | $1.10B | $1.10B | $974.4M | $812.7M | $629.2M | $407.8M | $460.6M |
| Operating margin | — | — | — | — | 31.91% | 9.13% | 16.35% | 183.03% | 27.73% | 17.73% | 19.59% | 20.71% | 25.44% | 26.76% | 25.61% | 22.54% | 20.76% | 22.74% |
| EBITDA | — | — | — | — | $1.17B | $485.0M | $911.0M | $2.24B | $2.02B | $1.78B | $1.75B | $1.41B | $1.32B | $1.14B | $965.8M | $772.4M | $533.2M | $604.4M |
| EBITDA margin | — | — | — | — | 35.67% | 14.71% | 22.49% | 233.79% | 36.81% | 24.90% | 27.24% | 26.62% | 30.45% | 31.34% | 30.44% | 27.67% | 27.14% | 29.84% |
| Net income | $518.0M | $277.0M | $718.0M | $223.0M | $801.0M | $214.0M | $278.0M | $963.1M | $788.7M | $517.6M | $605.4M | $516.1M | $496.2M | $422.3M | — | $193.7M | $143.7M | $206.4M |
| Net profit margin | 13.47% | 7.22% | 16.74% | 5.83% | 24.48% | 6.49% | 6.86% | 100.31% | 14.41% | 7.25% | 9.40% | 9.73% | 11.49% | 11.60% | — | 6.94% | 7.32% | 10.19% |
| Basic EPSper basic share | $11.07 | $5.58 | $14.39 | $4.47 | $16.09 | $4.47 | $5.38 | $17.56 | $14.17 | $7.37 | $8.91 | $8.72 | $10.09 | $8.44 | $6.22 | $3.69 | $2.58 | $2.88 |
| Diluted EPSper diluted share | $10.89 | $5.49 | $14.34 | $4.46 | $16.02 | $4.46 | $5.46 | $17.49 | $14.10 | $7.34 | $8.85 | $7.87 | $7.42 | $6.58 | $5.45 | $3.48 | $2.49 | $2.80 |
Owners
Reported shareholders
10.05%of listed shares
BlackRock, Inc.3.89M shares · Jun 30, 2026
View holders
| Holder | % owned |
|---|---|
BlackRock, Inc. | 10.05%3.89M shares |
DIMENSIONAL FUND ADVISORS LP | 7.99%3.09M shares |
VANGUARD PORTFOLIO MANAGEMENT LLC | 6.77%2.62M shares |
AMERICAN CENTURY COMPANIES INC | 4.63%1.79M shares |
VANGUARD CAPITAL MANAGEMENT LLC | 4.54%1.76M shares |
STATE STREET CORP | 4.35%1.68M shares |
Allianz Asset Management GmbH | 3.60%1.39M shares |
TURTLE CREEK ASSET MANAGEMENT INC. | 3.39%1.31M shares |
GEODE CAPITAL MANAGEMENT, LLC | 2.93%1.13M shares |
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | 2.70%1.05M shares |
HSBC HOLDINGS PLC | 2.34%907.46K shares |
FRANKLIN RESOURCES INC | 2.13%823.19K shares |
JACOBS LEVY EQUITY MANAGEMENT, INC | 1.99%769.83K shares |
GOLDMAN SACHS GROUP INC | 1.97%762.07K shares |
CHARLES SCHWAB INVESTMENT MANAGEMENT INC | 1.58%612.52K shares |
BANK OF AMERICA CORP /DE/ | 1.57%607.35K shares |
NOMURA ASSET MANAGEMENT INTERNATIONAL INC. | 1.51%583.29K shares |
Andretta Ralph J | ≈1.50%582.24K shares |
MORGAN STANLEY | 1.46%564.74K shares |
LSV ASSET MANAGEMENT | 1.36%527.25K shares |
Percentages use 38.7M shares of this listed class outstanding on Jun 30, 2026. ≈ compares the latest reported holding with a share total from a different date; it is not a confirmed current stake.
Gray completes the 100% scale. Reported positions may overlap; holders have different reporting dates.
Source: SEC Form 13F ↗Updated Sep 29, 2026 · Quarterly data
Insider buys & sells
| Transaction | Insider | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|
| May 29, 2026Form 4 · 10b5-1 | Andretta Ralph JPresident and CEO | SellCommon Stock | 1.0K | $89.57 | $89.6K | 582.2K |
| May 29, 2026Form 4 · 10b5-1 | Andretta Ralph JPresident and CEO | SellCommon Stock | 12.5K | $89.17 | $1.11M | 583.2K |
| May 29, 2026Form 4 · 10b5-1 | Andretta Ralph JPresident and CEO | SellCommon Stock | 1.5K | $88.23 | $132.3K | 595.7K |
| May 21, 2026Form 4 | Fawcett John J.Director | BuyCommon Stock | 698 | $86.43 | $60.3K | 11.0K |
| Apr 24, 2026Form 4 | BALLOU ROGER HDirector | SellCommon Stock | 9.7K | $90.32 | $874.9K | 30.1K |