Bread Financial Holdings annual operating expenses
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Bread Financial Holdings Operating Expenses Growth & History (BFH)
Bread Financial Holdings's operating expenses was $1.99B for fiscal 2025.
View full Bread Financial Holdings company overviewBread Financial Holdings annual operating expenses history
| Fiscal year | Period ended | Operating expenses | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | $1.99B | −$72.0M | −3.50% |
| 2024 | 2024-12-31 | $2.06B | −$32.0M | −1.53% |
| 2023 | 2023-12-31 | $2.09B | $160.0M | +8.28% |
| 2022 | 2022-12-31 | $1.93B | $248.0M | +14.73% |
| 2021 | 2021-12-31 | $1.68B | −$47.0M | −2.72% |
| 2020 | 2020-12-31 | $1.73B | −$469.0M | −21.32% |
| 2019 | 2019-12-31 | $2.20B | — | — |
| 2017 | 2017-12-31 | $3.96B | −$1.92B | −32.62% |
| 2016 | 2016-12-31 | $5.87B | $694.7M | +13.42% |
| 2015 | 2015-12-31 | $5.18B | $973.4M | +23.15% |
| 2014 | 2014-12-31 | $4.20B | $984.3M | +30.57% |
| 2013 | 2013-12-31 | $3.22B | $553.1M | +20.74% |
| 2012 | 2012-12-31 | $2.67B | $306.4M | +12.98% |
| 2011 | 2011-12-31 | $2.36B | $198.4M | +9.18% |
| 2010 | 2010-12-31 | $2.16B | $605.6M | +38.91% |
| 2009 | 2009-12-31 | $1.56B | −$8.1M | −0.52% |
| 2008 | 2008-12-31 | $1.56B | — | — |
Bread Financial Holdings quarterly operating expenses
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| Fiscal quarter | Period ended | Operating expenses | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | $483.0M | $2.0M | +0.42% |
| Q1 2026 | 2026-03-31 | $472.0M | −$5.0M | −1.05% |
| Q4 2025 | 2025-12-31 | $554.0M | $19.0M | +3.55% |
| Q3 2025 | 2025-09-30 | $476.0M | −$98.0M | −17.07% |
| Q2 2025 | 2025-06-30 | $481.0M | $12.0M | +2.56% |
| Q1 2025 | 2025-03-31 | $477.0M | −$5.0M | −1.04% |
| Q4 2024 | 2024-12-31 | $535.0M | $19.0M | +3.68% |
| Q3 2024 | 2024-09-30 | $574.0M | $72.0M | +14.34% |
| Q2 2024 | 2024-06-30 | $469.0M | −$61.0M | −11.51% |
| Q1 2024 | 2024-03-31 | $482.0M | −$62.0M | −11.40% |
| Q4 2023 | 2023-12-31 | $516.0M | −$31.0M | −5.67% |
| Q3 2023 | 2023-09-30 | $502.0M | $16.0M | +3.29% |
| Q2 2023 | 2023-06-30 | $530.0M | $57.0M | +12.05% |
| Q1 2023 | 2023-03-31 | $544.0M | $118.0M | +27.70% |
| Q4 2022 | 2022-12-31 | $547.0M | $120.0M | +28.10% |
| Q3 2022 | 2022-09-30 | $486.0M | $55.0M | +12.76% |
| Q2 2022 | 2022-06-30 | $473.0M | $49.0M | +11.56% |
| Q1 2022 | 2022-03-31 | $426.0M | $24.0M | +5.97% |
| Q4 2021 | 2021-12-31 | $427.0M | −$424.1M | −49.83% |
| Q3 2021 | 2021-09-30 | $431.0M | — | — |
| Q2 2021 | 2021-06-30 | $424.0M | — | — |
| Q1 2021 | 2021-03-31 | $402.0M | — | — |
| Q4 2020 | 2020-12-31 | $851.1M | −$300.9M | −26.12% |
| Q4 2019 | 2019-12-31 | $1.15B | $196.0M | +20.50% |
| Q4 2018 | 2018-12-31 | $956.0M | $776.2M | +431.70% |
| Q4 2017 | 2017-12-31 | $179.8M | −$1.47B | −89.09% |
| Q3 2017 | 2017-09-30 | $1.43B | −$31.1M | −2.12% |
| Q2 2017 | 2017-06-30 | $1.47B | $42.2M | +2.95% |
| Q1 2017 | 2017-03-31 | $1.53B | $194.8M | +14.63% |
| Q4 2016 | 2016-12-31 | $1.65B | $263.2M | +19.01% |
| Q3 2016 | 2016-09-30 | $1.46B | $163.0M | +12.52% |
| Q2 2016 | 2016-06-30 | $1.43B | $213.3M | +17.56% |
| Q1 2016 | 2016-03-31 | $1.33B | $55.2M | +4.32% |
| Q4 2015 | 2015-12-31 | $1.38B | $111.5M | +8.76% |
| Q3 2015 | 2015-09-30 | $1.30B | $304.1M | +30.49% |
| Q2 2015 | 2015-06-30 | $1.21B | $232.3M | +23.64% |
| Q1 2015 | 2015-03-31 | $1.28B | $325.5M | +34.22% |
| Q4 2014 | 2014-12-31 | $1.27B | $381.9M | +42.85% |
| Q3 2014 | 2014-09-30 | $997.5M | $189.8M | +23.50% |
| Q2 2014 | 2014-06-30 | $982.6M | $223.7M | +29.48% |
| Q1 2014 | 2014-03-31 | $951.1M | $188.9M | +24.78% |
| Q4 2013 | 2013-12-31 | $891.3M | $136.2M | +18.04% |
| Q3 2013 | 2013-09-30 | $807.7M | $160.7M | +24.83% |
| Q2 2013 | 2013-06-30 | $758.9M | $133.0M | +21.24% |
| Q1 2013 | 2013-03-31 | $762.2M | $123.3M | +19.29% |
| Q4 2012 | 2012-12-31 | $755.1M | $88.9M | +13.34% |
| Q3 2012 | 2012-09-30 | $647.0M | $29.9M | +4.84% |
| Q2 2012 | 2012-06-30 | $625.9M | $77.3M | +14.08% |
| Q1 2012 | 2012-03-31 | $639.0M | $110.4M | +20.89% |
| Q4 2011 | 2011-12-31 | $666.2M | $51.2M | +8.32% |
| Q3 2011 | 2011-09-30 | $617.2M | $84.7M | +15.91% |
| Q2 2011 | 2011-06-30 | $548.7M | $39.3M | +7.72% |
| Q1 2011 | 2011-03-31 | $528.5M | $23.2M | +4.59% |
| Q4 2010 | 2010-12-31 | $615.1M | — | — |
| Q3 2010 | 2010-09-30 | $532.4M | $144.5M | +37.27% |
| Q2 2010 | 2010-06-30 | $509.3M | $132.4M | +35.12% |
| Q1 2010 | 2010-03-31 | $505.3M | — | — |
| Q3 2009 | 2009-09-30 | $387.9M | — | — |
| Q2 2009 | 2009-06-30 | $377.0M | — | — |
Bread Financial Holdings operating expenses trends
Over the last five fiscal years, Bread Financial Holdings's operating expenses increased from $1.73B to $1.99B, a change of $257.0M. The latest reported quarter, Q2 2026, shows $483.0M.
About the metric
What operating expenses mean
Operating expenses are the recurring costs of running a company’s business beyond the direct costs used to calculate gross profit. They commonly include selling, general and administrative expenses, research and development, and other operating costs.
Calculation and source
SEC-reported and calculated operating expenses
TickerStat uses operating expenses reported in company SEC filings when available. When a separate total is unavailable, it calculates operating expenses as aligned gross profit minus operating income for the same fiscal period. Fiscal periods can differ from calendar years, so exact period-end dates are included.
Review Bread Financial Holdings source filings ↗