Bread Financial Holdings, Inc.BFHNYSE

Revenue (LTM)

$4.7B

-2.1% YoY

Net Income (LTM)

$518M

+87.0% YoY

Free Cash Flow

$2.1B

Revenue CAGR (5Y)

+7.3%

—Marginsstable

FCF$2.1B

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	3,270	4,373↑33.7%	5,174↑18.3%	4,798↓7.3%	4,699↓2.1%
Gross Profit	2,062	2,276↑10.4%	3,066↑34.7%	2,441↓20.4%	2,976↑21.9%
Operating Income	1,044	300↓71.3%	968↑222.7%	381↓60.6%	614↑61.2%
Net Income	801	223↓72.2%	718↑222.0%	277↓61.4%	518↑87.0%
EBITDA	1,167	413↓64.6%	1,084↑162.5%	471↓56.5%	694↑47.3%
EPS Diluted	16.02	4.46↓72.2%	14.36↑222.0%	5.50↓61.7%	10.96↑99.3%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	3,046	3,891↑27.7%	3,590↓7.7%	3,679↑2.5%	3,604↓2.0%
Total Current Assets	19,816	4,186↓78.9%	3,931↓6.1%	4,029↑2.5%	3,947↓2.0%
Total Assets	21,746	25,407↑16.8%	23,141↓8.9%	22,891↓1.1%	22,663↓1.0%
Total Current Liabilities	11,945	14,836↑24.2%	14,601↓1.6%	13,953↓4.4%	14,684↑5.2%
Total Liabilities	19,660	23,142↑17.7%	20,223↓12.6%	19,840↓1.9%	19,336↓2.5%
Total Equity	2,086	2,265↑8.6%	2,918↑28.8%	3,051↑4.6%	3,327↑9.0%
Total Debt	7,579	8,133↑7.3%	5,440↓33.1%	5,685↑4.5%	4,393↓22.7%
Net Debt	4,533	4,242↓6.4%	1,850↓56.4%	2,006↑8.4%	789↓60.7%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	1,543	1,848↑19.8%	1,987↑7.5%	1,859↓6.4%	2,092↑12.5%
Capital Expenditure	-84	-68↑19.0%	0	0	0
Free Cash Flow	1,459	1,780↑22.0%	1,987↑11.6%	1,859↓6.4%	2,092↑12.5%
Stock-Based Comp	29	33↑13.8%	44↑33.3%	54↑22.7%	56↑3.7%
Net Change in Cash	460	4↓99.1%	-311↓7875.0%	98↑131.5%	-86↓187.8%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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