Financial Ratios Bread Financial Holdings, Inc.

Equities

BFH

US0185811082

Consumer Lending

Real-time Estimate Cboe BZX Other stock markets 17:39:51 20/05/2026 BST			5-day change	1st Jan Change
87.02 ^USD	+2.55%		+4.25%	+17.43%

05-15	Bread Financial Reports Lower 30-Day-Plus Delinquencies in April	MT
05-15	Bread Financial provides performance update for April 2026	RE

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Published financial data: BREAD FINANCIAL HOLDINGS, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	3.86B	4.62B	4.96B	4.82B	4.74B
Interest Income On Investments	7M	69M	184M	204M	173M
Interest Income, Total	3.87B	4.68B	5.14B	5.02B	4.91B
Interest On Deposits	167M	243M	541M	608M	554M
Total Interest On Borrowings	216M	260M	338M	352M	300M
Interest Expense, Total	383M	503M	879M	960M	854M
Net Interest Income	3.48B	4.18B	4.27B	4.06B	4.06B
Gain (Loss) on Sale of Assets	10M	-	230M	11M	3M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-6M	-	-
Income (Loss) on Equity Invest. (Income Block)	-	-44M	-	-	-
Total Other Non Interest Income	-223M	-311M	-201M	-237M	-216M
Non Interest Income, Total	-213M	-355M	23M	-226M	-213M
Revenues Before Provison For Loan Losses	3.27B	3.83B	4.29B	3.84B	3.84B
Provision For Loan Losses	544M	1.59B	1.23B	1.4B	1.24B
Total Revenues	2.73B	2.23B	3.06B	2.44B	2.6B
Salaries And Other Employee Benefits	646M	746M	823M	843M	824M
Stock-Based Compensation (IS)	-	-	-	-	-
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	92M	113M	116M	90M	80M
Selling General & Admin Expenses, Total	401M	487M	528M	523M	537M
Total Other Non Interest Expense	545M	586M	625M	497M	473M
Non Interest Expense, Total	1.68B	1.93B	2.09B	1.95B	1.91B
EBT, Excl. Unusual Items	1.04B	300M	968M	488M	689M
Restructuring Charges	-	-	-	-	-
Asset Writedown	-	-	-	-	-
Other Unusual Items	-	-	-	-107M	-74M
EBT, Incl. Unusual Items	1.04B	300M	968M	381M	615M
Income Tax Expense	247M	76M	231M	102M	94M
Earnings From Continuing Operations	797M	224M	737M	279M	521M
Earnings Of Discontinued Operations	4M	-1M	-19M	-2M	-3M
Net Income to Company	801M	223M	718M	277M	518M
Minority Interest	-	-	-	-	-
Net Income - (IS)	801M	223M	718M	277M	518M
Preferred Dividend and Other Adjustments	-	-	-	-	-
Net Income to Common Incl Extra Items	801M	223M	718M	277M	518M
Net Income to Common Excl. Extra Items	797M	224M	737M	279M	521M
Per Share Items
Net EPS - Basic	16.12	4.47	14.42	5.58	11.07
Basic EPS - Continuing Operations	16.04	4.49	14.8	5.62	11.13
Basic Weighted Average Shares Outstanding	49.7M	49.9M	49.8M	49.6M	46.8M
Net EPS - Diluted	16.03	4.45	14.36	5.5	10.9
Diluted EPS - Continuing Operations	15.95	4.47	14.74	5.54	10.96
Diluted Weighted Average Shares Outstanding	50M	50M	50M	50.4M	47.6M
Normalized Basic EPS	13.13	3.76	12.15	6.15	9.2
Normalized Diluted EPS	13.05	3.75	12.1	6.05	9.05
Dividend Per Share	0.84	0.84	0.84	0.84	0.86
Payout Ratio	5.24	19.28	5.85	15.52	8.11
American Depositary Receipts Ratio (ADR)	0.25	0.25	0.25	0.25	0.25
Supplemental Items
Effective Tax Rate - (Ratio)	23.66	25.33	23.86	26.77	15.28
Current Domestic Taxes	267M	321M	299M	185M	2M
Current Foreign Taxes	-	-	-	2M	2M
Total Current Taxes	267M	321M	299M	187M	4M
Deferred Domestic Taxes	-20M	-245M	-68M	-83M	91M
Deferred Foreign Taxes	-	-	-	-2M	-1M
Total Deferred Taxes	-20M	-245M	-68M	-85M	90M
Normalized Net Income	652M	188M	605M	305M	431M
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	-	-	-	-	-
Stock-Based Comp., SG&A Exp. (Total)	25M	33M	44M	54M	56M
Stock-Based Comp., Other (Total)	-	-	-	-	-
Total Stock-Based Compensation	25M	33M	44M	54M	56M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	3.05B	3.89B	3.59B	3.68B	3.6B
Investment Securities, Total	289M	227M	253M	266M	284M
Trading Asset Securities, Total	-	-	-	-	-
Total investments	289M	227M	253M	266M	284M
Gross Loans	17.4B	21.06B	18.96B	18.52B	18.43B
Allowance For Loan Losses	-1.83B	-2.46B	-2.33B	-2.24B	-2.11B
Net Loans	15.57B	18.59B	16.63B	16.28B	16.32B
Gross Property Plant And Equipment	568M	570M	608M	-	-
Accumulated Depreciation	-256M	-287M	-343M	-	-
Net Property Plant And Equipment	312M	283M	265M	229M	180M
Goodwill	634M	634M	601M	634M	634M
Other Intangibles, Total	53M	165M	161M	112M	82M
Loans Held For Sale	-	-	-	-	-
Accrued Interest Receivable	-	307M	371M	378M	378M
Other Receivables	151M	164M	144M	145M	148M
Restricted Cash	877M	36M	26M	35M	24M
Other Current Assets, Total	-	-	-	-	-
Deferred Tax Assets Long-Term (Collected)	302M	552M	629M	708M	616M
Deferred Charges Long-Term	364M	344M	285M	228M	205M
Other Long-Term Assets, Total	151M	210M	182M	200M	187M
Total Assets	21.75B	25.41B	23.14B	22.89B	22.66B
Liabilities
Accounts Payable, Total	291M	398M	422M	326M	289M
Accrued Expenses, Total	314M	306M	273M	295M	290M
Interest Bearing Deposits	11.03B	13.79B	13.59B	12.48B	13.25B
Institutional Deposits	-	-	-	574M	638M
Non-Interest Bearing Deposits	-	39M	26M	27M	25M
Total Deposits	11.03B	13.83B	13.62B	13.08B	13.92B
Short-Term Borrowings	-	-	-	-	-
Current Portion of Long-Term Debt	3.26B	6.27B	260M	3.21B	1.71B
Current Portion of Leases	20M	19M	24M	24M	-
Long-Term Debt	4.17B	1.74B	5.03B	2.34B	2.6B
Long-Term Leases	120M	107M	124M	104M	85M
Current Income Taxes Payable	-	-	-	-	-
Unearned Revenue, Current	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	-	-	-	-	-
Unearned Revenue Non Current	-	-	-	-	-
Deferred Tax Liability Non-Current	-	-	-	-	-
Other Non Current Liabilities	449M	479M	468M	452M	448M
Total Liabilities	19.66B	23.14B	20.22B	19.84B	19.34B
Common Stock, Total	1M	1M	1M	1M	-
Additional Paid In Capital	2.17B	2.19B	2.17B	2.07B	1.87B
Retained Earnings	-87M	93M	767M	999M	1.48B
Treasury Stock	-	-	-	-	-
Comprehensive Income and Other	-2M	-21M	-19M	-22M	-16M
Total Common Equity	2.09B	2.26B	2.92B	3.05B	3.33B
Total Equity	2.09B	2.26B	2.92B	3.05B	3.33B
Total Liabilities And Equity	21.75B	25.41B	23.14B	22.89B	22.66B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	49.95M	50.12M	49.42M	49.09M	43.12M
ECS Total Common Shares Outstanding	49.9M	49.9M	49.3M	49.1M	44.1M
Book Value / Share	41.8	45.39	59.19	62.14	75.44
Tangible Book Value	1.4B	1.47B	2.16B	2.3B	2.61B
Tangible Book Value Per Share	28.04	29.38	43.73	46.95	59.21
Tangible Book Value Per Share (As Reported)	28.09	-	43.7	46.97	57.57
Average Loans	15.66B	17.77B	18.22B	18.08B	17.85B
Total Debt	7.58B	8.13B	5.44B	5.68B	4.39B
Net Debt	4.53B	4.24B	1.85B	2.01B	789M
Equity Method Investments, Total	-	6M	36M	49M	63M
Full Time Employees	6K	7.5K	7K	6K	6K
Assets under Capital Lease - Gross	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	801M	223M	718M	277M	518M
Depreciation, Depletion & Amortization	26M	19M	79M	20M	20M
Amortization of Goodwill and Intangible Assets - (CF)	29M	26M	37M	35M	30M
Total Depreciation, Depletion & Amortization	55M	45M	116M	55M	50M
Amortization of Deferred Charges, Total	139M	178M	118M	148M	121M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-	-	-230M	-11M	-3M
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	544M	1.59B	1.23B	1.4B	1.24B
Stock-Based Compensation (CF)	29M	33M	44M	54M	56M
Net (Increase) Decrease in Loans Originated / Sold - Operating	-	-	-	-	-
Change in Accounts Payable	-	-	-	-	-
Change in Unearned Revenues	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-41M	-47M	28M	-67M	-39M
Other Operating Activities	-15M	-178M	-36M	6M	147M
Net Cash From Discontinued Operations	31M	-	-	-	-
Cash from Operations	1.54B	1.85B	1.99B	1.86B	2.09B
Capital Expenditure	-84M	-68M	-	-	-
Cash Acquisitions	-75M	-	-	-	-
Divestitures	-	-	-	-	-
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-20M	-13M	-36M	-17M	-2M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-1.4B	-5.03B	872M	-1.12B	-1.34B
Other Investing Activities, Total	-109M	-4M	-48M	-36M	-24M
Cash from Investing	-1.69B	-5.11B	788M	-1.17B	-1.37B
Long-Term Debt Issued, Total	4.32B	4.47B	3.99B	2.69B	1.82B
Total Debt Issued	4.32B	4.47B	3.99B	2.69B	1.82B
Long-Term Debt Repaid, Total	-5.4B	-3.91B	-6.69B	-2.62B	-3.14B
Total Debt Repaid	-5.4B	-3.91B	-6.69B	-2.62B	-3.14B
Issuance of Common Stock	4M	-	-	-	-
Repurchase of Common Stock	-	-	-35M	-55M	-313M
Issuance of Preferred Stock	-	-	-	-	71M
Common Dividends Paid	-42M	-43M	-42M	-43M	-42M
Common & Preferred Stock Dividends Paid	-42M	-43M	-42M	-43M	-42M
Net Increase (Decrease) in Deposit Accounts - (CF)	1.23B	2.78B	-209M	-541M	835M
Other Financing Activities, Total	504M	-28M	-104M	-22M	-41M
Cash from Financing	608M	3.27B	-3.09B	-592M	-807M
Foreign Exchange Rate Adjustments	-	-	-	-	-
Net Change in Cash	460M	4M	-311M	98M	-86M
Supplemental Items
Cash Interest Paid	357M	466M	861M	922M	868M
Cash Income Tax Paid (Refund)	325M	338M	292M	227M	53M
Net Debt Issued / Repaid	-1.09B	560M	-2.7B	69M	-1.32B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	3.6	0.95	3.04	1.21	2.29
Return On Equity %	44.18	10.3	28.44	9.35	16.34
Return on Common Equity	44.18	10.3	28.44	9.35	16.34
Shareholders Value Added	614M	-12.06M	444M	-46.14M	165M
Margin Analysis
SG&A Margin	41.75	60.3	47.94	59.65	55.36
Net Interest Income / Total Revenues %	127.75	187.32	139.41	166.49	155.9
EBT Excl. Non-Recurring Items Margin %	38.27	13.44	31.63	19.99	26.47
Income From Continuing Operations Margin %	29.22	10.04	24.08	11.43	20.02
Net Income Margin %	29.36	9.99	23.46	11.35	19.9
Net Avail. For Common Margin %	29.22	10.04	24.08	11.43	20.02
Normalized Net Income Margin	23.92	8.4	19.77	12.49	16.54
Asset quality
Nonperforming Loans / Total Loans %	1.62	5.28	6.13	5.58	5.27
Nonperforming Loans / Total Assets %	1.29	4.38	5.03	4.52	4.28
Nonperforming Assets / Total Assets %	1.29	4.38	5.03	4.52	4.28
NPAs / Loans and OREO	1.62	5.28	6.13	5.58	5.27
NPAs / Equity	13.47	49.09	39.86	33.89	29.19
Allowance for Credit Losses / Net Charge-offs %	254.44	253.5	169.31	150.5	152.94
Allowance for Credit Losses / Nonperforming Loans %	651.96	221.58	200.17	216.73	216.89
Allowance for Credit Losses / Total Loans %	10.53	11.7	12.28	12.1	11.43
Net Charge-offs / Total Average Loans %	4.6	5.47	7.55	8.23	7.71
Provision for Loan Losses / Net Charge-offs %	75.56	163.99	89.38	93.82	90.2
Earning Assets / IBL	110.65	115.82	119.56	123.91	124.34
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.15	9.23	10.68	12.97	14
Total Average Equity / Total Average Assets %	8.15	9.23	10.68	12.97	14
Total Equity + Allowance for Loan Losses / Total Loans %	22.52	22.46	27.67	28.58	29.48
Gross Loans / Total Deposits %	157.79	152.31	139.22	141.55	132.42
Net Loans / Total Deposits %	141.17	134.49	122.13	124.42	117.28
Tier 1 Capital Ratio %	20	17	12.2	12.4	13.4
Total Capital Ratio %	21.3	18.3	13.6	13.8	16.8
Core Tier 1 Capital Ratio	20	17	12.2	12.4	13
Tier 2 Capital Ratio	-	-	-	1.36	3.39
Equity Tier 1 Capital Ratio	-	-	9.6	10.4	12.86
Coverage Ratio	651.96	958.75	-	-	-
Leverage Ratio %	18.6	15.6	11.2	11.5	12.4
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	5.83	2.15	3.86	2.08	3.05
EBT + Interest Expense / Interest Expense	3.73	1.6	2.1	1.4	1.72
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.93	19.97	2.03	-4.74	-0.15
Non Interest Income, 1 Yr. Growth %	37.42	66.67	-106.48	-1.08K	-5.75
Provision For Loan Losses, 1 Yr. Growth %	-57.03	193.01	-22.9	13.67	-11.1
Total Revenues, 1 Yr. Growth %	34.25	-18.18	37.1	-20.23	6.64
Earnings From Cont. Operations, 1 Yr. Growth %	283.17	-71.89	229.02	-62.14	86.74
Net Income, 1 Yr. Growth %	274.3	-72.16	221.97	-61.42	87
Normalized Net Income, 1 Yr. Growth %	167.69	-71.26	222.67	-49.59	38.35
Diluted EPS Before Extra, 1 Yr. Growth %	266.67	-71.98	229.75	-62.42	97.83
Dividend Per Share, 1 Yr. Growth %	-33.33	0	0	0	2.38
Gross Loans, 1 Yr. Growth %	3.66	22.61	-9.95	-2.34	-0.49
Allowance For Loan Losses, 1 Yr. Growth %	-8.76	34.5	-5.52	-3.74	-6.02
Net Loans, 1 Yr. Growth %	5.35	21.19	-10.54	-2.15	0.27
Non Performing Loans, 1 Yr. Growth %	-42.65	71.87	4.59	-11.09	-6.09
Non Performing Assets, 1 Yr. Growth %	-42.65	71.87	4.59	-11.09	-6.09
Total Assets, 1 Yr. Growth %	-3.55	16.84	-8.92	-1.08	-1
Total Deposits, 1 Yr Growth %	12.6	25.38	-1.49	-3.95	6.38
Tangible Book Value, 1 Yr. Growth %	72.5	4.79	47.07	6.91	13.28
Average Interest Earning Assets, 1 Yr. Growth %	-7.01	13.51	0.93	1.26	-0.53
Average Interest Bearing Liabilities, 1 Yr. Growth %	-9.3	8.45	-2.23	-2.3	-0.87
Common Equity, 1 Yr. Growth %	37.06	8.58	28.83	4.56	9.05
Total Equity, 1 Yr. Growth %	37.06	8.58	28.83	4.56	9.05
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-8.79	10.04	10.64	-1.41	-2.47
Non Interest Income, 2 Yr. CAGR %	23.79	51.34	-67.14	-20.21	204.32
Provision For Loan Losses, 2 Yr. CAGR %	-32.33	12.21	50.31	-6.38	0.53
Total Revenues, 2 Yr. CAGR %	-2.37	4.81	5.91	4.58	-7.77
Earnings From Cont. Operations, 2 Yr. CAGR %	25.5	3.77	-3.84	11.6	-15.92
Net Income, 2 Yr. CAGR %	69.74	2.08	-5.32	11.45	-15.06
Normalized Net Income, 2 Yr. CAGR %	18.38	-9.34	-3.71	27.54	-15.68
Diluted EPS Before Extra, 2 Yr. CAGR %	26.67	1.37	-3.87	11.33	-13.77
Dividend Per Share, 2 Yr. CAGR %	-42.26	-18.35	0	0	1.18
Gross Loans, 2 Yr. CAGR %	-5.45	12.01	5.07	-6.22	-1.42
Allowance For Loan Losses, 2 Yr. CAGR %	25.07	10.77	12.73	-4.63	-4.89
Net Loans, 2 Yr. CAGR %	-7.75	12.18	4.12	-6.44	-0.95
Non Performing Loans, 2 Yr. CAGR %	-4.59	50.64	34.07	-3.57	-8.63
Non Performing Assets, 2 Yr. CAGR %	-4.59	50.64	34.07	-3.57	-8.63
Total Assets, 2 Yr. CAGR %	-9.4	6.15	3.16	-5.08	-1.04
Total Deposits, 2 Yr CAGR %	-4.74	18.82	11.14	-2.73	1.08
Tangible Book Value, 2 Yr. CAGR %	70.7	34.45	24.14	25.39	10.05
Common Equity, 2 Yr. CAGR %	14.6	21.99	18.27	16.06	6.78
Total Equity, 2 Yr. CAGR %	14.6	21.99	18.27	16.06	6.78
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	85.92	-0.06	7.3	5.26	-0.99
Non Interest Income, 3 Yr. CAGR %	-66.5	36.69	-47.06	1.99	-15.66
Provision For Loan Losses, 3 Yr. CAGR %	-18.8	10.3	-0.98	36.94	-7.98
Total Revenues, 3 Yr. CAGR %	-12.76	-7.95	14.62	-3.64	5.26
Earnings From Cont. Operations, 3 Yr. CAGR %	-5.54	-23.79	52.45	-29.52	32.49
Net Income, 3 Yr. CAGR %	-5.96	-7.08	49.71	-29.81	32.44
Normalized Net Income, 3 Yr. CAGR %	-4.93	-26.15	38.42	-22.39	31.94
Diluted EPS Before Extra, 3 Yr. CAGR %	-2.43	-23.39	50.2	-29.71	34.84
Dividend Per Share, 3 Yr. CAGR %	-28.31	-30.66	-12.64	0	0.79
Gross Loans, 3 Yr. CAGR %	-0.86	2.66	4.15	2.54	-4.35
Allowance For Loan Losses, 3 Yr. CAGR %	20.84	28.14	5.05	6.95	-5.1
Net Loans, 3 Yr. CAGR %	-2.54	0.55	4.03	1.99	-4.25
Non Performing Loans, 3 Yr. CAGR %	-1.32	53.29	33.39	16.92	-4.42
Non Performing Assets, 3 Yr. CAGR %	-1.32	53.29	33.39	16.92	-4.42
Total Assets, 3 Yr. CAGR %	-10.55	-1.39	0.87	1.73	-3.74
Total Deposits, 3 Yr CAGR %	-2.22	4.4	11.62	5.86	0.22
Tangible Book Value, 3 Yr. CAGR %	6.45	45.08	38.53	18.11	21.22
Common Equity, 3 Yr. CAGR %	-3.65	12.56	24.23	13.51	13.67
Total Equity, 3 Yr. CAGR %	-3.65	12.56	24.23	13.51	13.67
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	52.07	55.8	51.06	-0.6	3.28
Non Interest Income, 5 Yr. CAGR %	-50.46	-42.14	-66.76	10.21	6.56
Provision For Loan Losses, 5 Yr. CAGR %	-10.37	6.93	3.88	3.29	-0.38
Total Revenues, 5 Yr. CAGR %	-13.91	-10.47	-5.72	-3.13	5.08
Earnings From Cont. Operations, 5 Yr. CAGR %	9.02	-21.87	-4.86	-11.22	20.16
Net Income, 5 Yr. CAGR %	9.2	-22.33	-5.7	-0.07	19.34
Normalized Net Income, 5 Yr. CAGR %	4.59	-22.23	-4.44	-8.11	13.55
Diluted EPS Before Extra, 5 Yr. CAGR %	16.79	-20.13	-3.01	-11.03	20.3
Dividend Per Share, 5 Yr. CAGR %	10.07	-16.59	-18.1	-19.73	-7.35
Gross Loans, 5 Yr. CAGR %	1.01	2.5	1.21	-0.99	1.89
Allowance For Loan Losses, 5 Yr. CAGR %	14.08	17.1	17.53	13.86	0.96
Net Loans, 5 Yr. CAGR %	-0.04	1.23	-0.22	-2.31	2.01
Non Performing Loans, 5 Yr. CAGR %	5.35	33.71	31.8	27.35	14.66
Non Performing Assets, 5 Yr. CAGR %	5.35	33.71	31.8	27.35	14.66
Total Assets, 5 Yr. CAGR %	-3.15	-3.7	-5.3	-2.88	0.1
Total Deposits, 5 Yr CAGR %	5.61	4.81	2.92	1.49	7.28
Tangible Book Value, 5 Yr. CAGR %	-14.96	-12.3	13.2	36.86	26.34
Common Equity, 5 Yr. CAGR %	4.7	4.07	4.58	13.95	16.93
Total Equity, 5 Yr. CAGR %	4.7	4.07	4.58	13.95	16.93