BREAD FINANCIAL HOLDINGS, INC. financial data

Symbol
BFH, BFH-PA on NYSE
Location
Columbus, OH
Fiscal year end
31 December
Latest financial report
10-Q - Q3 2025 - 28 Oct 2025

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 605% % -4%
Return On Equity 15% % 47%
Return On Assets 2.1% % 52%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 45,661,601 shares -8.2%
Entity Public Float $2,200,000,000 USD 38%
Common Stock, Value, Issued $1,000,000 USD 0%
Weighted Average Number of Shares Outstanding, Basic 46,500,000 shares -6.4%
Weighted Average Number of Shares Outstanding, Diluted 47,500,000 shares -6.9%

Income Statement

Label TTM Value / Value Unit Change %
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $540,000,000 USD 26%
Income Tax Expense (Benefit) $63,000,000 USD -43%
Net Income (Loss) Attributable to Parent $473,000,000 USD 51%
Earnings Per Share, Basic 9 USD/shares 57%
Earnings Per Share, Diluted 9 USD/shares 55%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value $3,764,000,000 USD 9.1%
Property, Plant and Equipment, Net $122,000,000 USD -18%
Operating Lease, Right-of-Use Asset $87,000,000 USD -11%
Intangible Assets, Net (Excluding Goodwill) $112,000,000 USD -12%
Goodwill $634,000,000 USD 0%
Assets $21,714,000,000 USD -0.1%
Liabilities $18,397,000,000 USD -1.2%
Accumulated Other Comprehensive Income (Loss), Net of Tax $16,000,000 USD 0%
Retained Earnings (Accumulated Deficit) $1,432,000,000 USD 43%
Stockholders' Equity Attributable to Parent $3,317,000,000 USD 6.6%
Liabilities and Equity $21,714,000,000 USD -0.1%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities $393,000,000 USD -12%
Net Cash Provided by (Used in) Financing Activities $562,000,000 USD 42%
Net Cash Provided by (Used in) Investing Activities $691,000,000 USD -4%
Common Stock, Shares Authorized 200,000,000 shares 0%
Common Stock, Shares, Issued 46,000,000 shares -7.4%
Common Stock, Par or Stated Value Per Share 0.01 USD/shares 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect $522,000,000 USD 172%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $3,779,000,000 USD 8.9%
Deferred Tax Assets, Valuation Allowance $19,000,000 USD -9.5%
Deferred Tax Assets, Gross $763,000,000 USD -0.65%
Operating Lease, Liability $128,000,000 USD -14%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $473,000,000 USD 46%
Lessee, Operating Lease, Liability, to be Paid $170,000,000 USD -14%
Lessee, Operating Lease, Liability, to be Paid, Year Two $24,000,000 USD -4%
Lessee, Operating Lease, Liability, to be Paid, Year One $24,000,000 USD 0%
Operating Lease, Weighted Average Discount Rate, Percent 0.07 pure 0%
Deferred Income Tax Expense (Benefit) $23,000,000 USD
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $42,000,000 USD -16%
Lessee, Operating Lease, Liability, to be Paid, Year Three $22,000,000 USD -8.3%
Unrecognized Tax Benefits $154,000,000 USD -28%
Lessee, Operating Lease, Liability, to be Paid, Year Four $20,000,000 USD -4.8%
Depreciation, Depletion and Amortization $21,000,000 USD -8.7%
Deferred Tax Assets, Net of Valuation Allowance $744,000,000 USD -0.4%
Share-based Payment Arrangement, Expense $55,000,000 USD 1.9%
Interest Expense $909,000,000 USD 42%