Bread Financial Holdings, Inc.
BFHNYSECIK 1101215FinancialsFiscal year ends Dec 31
Latest reported revenue, Q3 FY2026$1.02bnRevenue, Q3 FY2026, three months to 2026-09-30$1.02bn. XBRL concept
us-gaap:RevenuesNetOfInterestExpense. 10-Q filed 2026-10-27, accession 0001101215-26-000092.Report this figureThree months to Sep 30, 2026, from the 10-Q filed Oct 27, 2026.Latest quarter: Q3 FY2026
Three months to Sep 30, 2026, against the same quarter a year earlier.
- Revenue$1.02bnRevenue, Q3 FY2026, three months to 2026-09-30$1.02bn. XBRL concept
us-gaap:RevenuesNetOfInterestExpense. 10-Q filed 2026-10-27, accession 0001101215-26-000092.Report this figure+4.7% on a year earlier - Gross marginnot reported (Gross profit not reported)No year-earlier figure to compare
- Operating marginnot reported (Operating income not reported)No year-earlier figure to compare
- Net margin15.3%Net margin, Q3 FY2026, three months to 2026-09-30. net income / revenueNet income: $156.0m. XBRL concept
us-gaap:NetIncomeLoss. 10-Q filed 2026-10-27, accession 0001101215-26-000092.Revenue: $1.02bn. XBRL conceptus-gaap:RevenuesNetOfInterestExpense. 10-Q filed 2026-10-27, accession 0001101215-26-000092.Report this figure−4.0 pts on a year earlier - Diluted EPS$3.82Diluted EPS, Q3 FY2026, three months to 2026-09-30$3.82 per share. XBRL concept
us-gaap:EarningsPerShareDiluted. 10-Q filed 2026-10-27, accession 0001101215-26-000092.Report this figure−3.5% on a year earlier - Free cash flownot reported (Capital expenditure not reported)No year-earlier figure to compare
Last eight quarters
Full statements| Line item | Unit | Q4 FY20242024-12-31 | Q1 FY20252025-03-31 | Q2 FY20252025-06-30 | Q3 FY20252025-09-30 | Q4 FY20252025-12-31 | Q1 FY20262026-03-31 | Q2 FY20262026-06-30 | Q3 FY20262026-09-30 | Shape over the periods |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $m | 925Revenue, Q4 FY2024, three months to 2024-12-31$925.0m. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-K filed 2026-02-13, accession 0001101215-26-000016. Derived: 12-month figure less the 9-month figure.Report this figure | 970Revenue, Q1 FY2025, three months to 2025-03-31$970.0m. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-Q filed 2026-04-28, accession 0001101215-26-000040.Report this figure | 929Revenue, Q2 FY2025, three months to 2025-06-30$929.0m. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-Q filed 2026-07-28, accession 0001101215-26-000074.Report this figure | 971Revenue, Q3 FY2025, three months to 2025-09-30$971.0m. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-Q filed 2026-10-27, accession 0001101215-26-000092.Report this figure | 975Revenue, Q4 FY2025, three months to 2025-12-31$975.0m. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-K filed 2026-02-13, accession 0001101215-26-000016. Derived: 12-month figure less the 9-month figure.Report this figure | 1,018Revenue, Q1 FY2026, three months to 2026-03-31$1.02bn. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-Q filed 2026-04-28, accession 0001101215-26-000040.Report this figure | 993Revenue, Q2 FY2026, three months to 2026-06-30$993.0m. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-Q filed 2026-07-28, accession 0001101215-26-000074.Report this figure | 1,017Revenue, Q3 FY2026, three months to 2026-09-30$1.02bn. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-Q filed 2026-10-27, accession 0001101215-26-000092.Report this figure | |
| Gross margin | % | not reported (Gross profit not reported) | not reported (Gross profit not reported) | not reported (Gross profit not reported) | not reported (Gross profit not reported) | not reported (Gross profit not reported) | not reported (Gross profit not reported) | not reported (Gross profit not reported) | not reported (Gross profit not reported) | |
| Operating margin | % | not reported (Operating income not reported) | not reported (Operating income not reported) | not reported (Operating income not reported) | not reported (Operating income not reported) | not reported (Operating income not reported) | not reported (Operating income not reported) | not reported (Operating income not reported) | not reported (Operating income not reported) | |
| Net margin | % | 0.8%Net margin, Q4 FY2024, three months to 2024-12-31. net income / revenueNet income: $7.0m. XBRL concept us-gaap:NetIncomeLoss. 10-K filed 2026-02-13, accession 0001101215-26-000016. Derived: 12-month figure less the 9-month figure.Revenue: $925.0m. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-K filed 2026-02-13, accession 0001101215-26-000016. Derived: 12-month figure less the 9-month figure.Report this figure | 14.2%Net margin, Q1 FY2025, three months to 2025-03-31. net income / revenueNet income: $138.0m. XBRL concept us-gaap:NetIncomeLoss. 10-Q filed 2026-04-28, accession 0001101215-26-000040.Revenue: $970.0m. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-Q filed 2026-04-28, accession 0001101215-26-000040.Report this figure | 15.0%Net margin, Q2 FY2025, three months to 2025-06-30. net income / revenueNet income: $139.0m. XBRL concept us-gaap:NetIncomeLoss. 10-Q filed 2026-07-28, accession 0001101215-26-000074.Revenue: $929.0m. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-Q filed 2026-07-28, accession 0001101215-26-000074.Report this figure | 19.4%Net margin, Q3 FY2025, three months to 2025-09-30. net income / revenueNet income: $188.0m. XBRL concept us-gaap:NetIncomeLoss. 10-Q filed 2026-10-27, accession 0001101215-26-000092.Revenue: $971.0m. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-Q filed 2026-10-27, accession 0001101215-26-000092.Report this figure | 5.5%Net margin, Q4 FY2025, three months to 2025-12-31. net income / revenueNet income: $54.0m. XBRL concept us-gaap:NetIncomeLoss. 10-K filed 2026-02-13, accession 0001101215-26-000016. Derived: 12-month figure less the 9-month figure.Revenue: $975.0m. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-K filed 2026-02-13, accession 0001101215-26-000016. Derived: 12-month figure less the 9-month figure.Report this figure | 17.8%Net margin, Q1 FY2026, three months to 2026-03-31. net income / revenueNet income: $181.0m. XBRL concept us-gaap:NetIncomeLoss. 10-Q filed 2026-04-28, accession 0001101215-26-000040.Revenue: $1.02bn. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-Q filed 2026-04-28, accession 0001101215-26-000040.Report this figure | 14.7%Net margin, Q2 FY2026, three months to 2026-06-30. net income / revenueNet income: $146.0m. XBRL concept us-gaap:NetIncomeLoss. 10-Q filed 2026-07-28, accession 0001101215-26-000074.Revenue: $993.0m. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-Q filed 2026-07-28, accession 0001101215-26-000074.Report this figure | 15.3%Net margin, Q3 FY2026, three months to 2026-09-30. net income / revenueNet income: $156.0m. XBRL concept us-gaap:NetIncomeLoss. 10-Q filed 2026-10-27, accession 0001101215-26-000092.Revenue: $1.02bn. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-Q filed 2026-10-27, accession 0001101215-26-000092.Report this figure | |
| Diluted EPS | $ per share | not reported (Diluted EPS not reported) | 2.78Diluted EPS, Q1 FY2025, three months to 2025-03-31$2.78 per share. XBRL concept us-gaap:EarningsPerShareDiluted. 10-Q filed 2026-04-28, accession 0001101215-26-000040.Report this figure | 2.94Diluted EPS, Q2 FY2025, three months to 2025-06-30$2.94 per share. XBRL concept us-gaap:EarningsPerShareDiluted. 10-Q filed 2026-07-28, accession 0001101215-26-000074.Report this figure | 3.96Diluted EPS, Q3 FY2025, three months to 2025-09-30$3.96 per share. XBRL concept us-gaap:EarningsPerShareDiluted. 10-Q filed 2026-10-27, accession 0001101215-26-000092.Report this figure | not reported (Diluted EPS not reported) | 4.15Diluted EPS, Q1 FY2026, three months to 2026-03-31$4.15 per share. XBRL concept us-gaap:EarningsPerShareDiluted. 10-Q filed 2026-04-28, accession 0001101215-26-000040.Report this figure | 3.55Diluted EPS, Q2 FY2026, three months to 2026-06-30$3.55 per share. XBRL concept us-gaap:EarningsPerShareDiluted. 10-Q filed 2026-07-28, accession 0001101215-26-000074.Report this figure | 3.82Diluted EPS, Q3 FY2026, three months to 2026-09-30$3.82 per share. XBRL concept us-gaap:EarningsPerShareDiluted. 10-Q filed 2026-10-27, accession 0001101215-26-000092.Report this figure | |
| Free cash flow | $m | not reported (Capital expenditure not reported) | not reported (Capital expenditure not reported) | not reported (Capital expenditure not reported) | not reported (Capital expenditure not reported) | not reported (Capital expenditure not reported) | not reported (Capital expenditure not reported) | not reported (Capital expenditure not reported) | not reported (Capital expenditure not reported) |
Focus or hover a figure to see its XBRL concept, period and filing; each links to that filing. A figure marked d is derived: a quarter computed from year-to-date figures, such as the fourth quarter as the fiscal year less the nine months before it. A ratio reads not reported when any input is missing.
Last five fiscal years
| Line item | Unit | FY20212021-12-31 | FY20222022-12-31 | FY20232023-12-31 | FY20242024-12-31 | FY20252025-12-31 | Shape over the periods |
|---|---|---|---|---|---|---|---|
| Revenue | $m | 3,272Revenue, FY2021, twelve months to 2021-12-31$3.27bn. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-K filed 2024-02-20, accession 0001101215-24-000041.Report this figure | 3,826Revenue, FY2022, twelve months to 2022-12-31$3.83bn. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-K filed 2025-02-14, accession 0001101215-25-000031.Report this figure | 4,289Revenue, FY2023, twelve months to 2023-12-31$4.29bn. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-K filed 2026-02-13, accession 0001101215-26-000016.Report this figure | 3,838Revenue, FY2024, twelve months to 2024-12-31$3.84bn. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-K filed 2026-02-13, accession 0001101215-26-000016.Report this figure | 3,845Revenue, FY2025, twelve months to 2025-12-31$3.85bn. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-K filed 2026-02-13, accession 0001101215-26-000016.Report this figure | |
| Gross margin | % | not reported (Gross profit not reported) | not reported (Gross profit not reported) | not reported (Gross profit not reported) | not reported (Gross profit not reported) | not reported (Gross profit not reported) | |
| Operating margin | % | not reported (Operating income not reported) | not reported (Operating income not reported) | not reported (Operating income not reported) | not reported (Operating income not reported) | not reported (Operating income not reported) | |
| Net margin | % | 24.5%Net margin, FY2021, twelve months to 2021-12-31. net income / revenueNet income: $801.0m. XBRL concept us-gaap:NetIncomeLoss. 10-K filed 2024-02-20, accession 0001101215-24-000041.Revenue: $3.27bn. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-K filed 2024-02-20, accession 0001101215-24-000041.Report this figure | 5.8%Net margin, FY2022, twelve months to 2022-12-31. net income / revenueNet income: $223.0m. XBRL concept us-gaap:NetIncomeLoss. 10-K filed 2025-02-14, accession 0001101215-25-000031.Revenue: $3.83bn. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-K filed 2025-02-14, accession 0001101215-25-000031.Report this figure | 16.7%Net margin, FY2023, twelve months to 2023-12-31. net income / revenueNet income: $718.0m. XBRL concept us-gaap:NetIncomeLoss. 10-K filed 2026-02-13, accession 0001101215-26-000016.Revenue: $4.29bn. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-K filed 2026-02-13, accession 0001101215-26-000016.Report this figure | 7.2%Net margin, FY2024, twelve months to 2024-12-31. net income / revenueNet income: $277.0m. XBRL concept us-gaap:NetIncomeLoss. 10-K filed 2026-02-13, accession 0001101215-26-000016.Revenue: $3.84bn. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-K filed 2026-02-13, accession 0001101215-26-000016.Report this figure | 13.5%Net margin, FY2025, twelve months to 2025-12-31. net income / revenueNet income: $518.0m. XBRL concept us-gaap:NetIncomeLoss. 10-K filed 2026-02-13, accession 0001101215-26-000016.Revenue: $3.85bn. XBRL concept us-gaap:RevenuesNetOfInterestExpense. 10-K filed 2026-02-13, accession 0001101215-26-000016.Report this figure | |
| Diluted EPS | $ per share | 16.02Diluted EPS, FY2021, twelve months to 2021-12-31$16.02 per share. XBRL concept us-gaap:EarningsPerShareDiluted. 10-K filed 2024-02-20, accession 0001101215-24-000041.Report this figure | 4.46Diluted EPS, FY2022, twelve months to 2022-12-31$4.46 per share. XBRL concept us-gaap:EarningsPerShareDiluted. 10-K filed 2025-02-14, accession 0001101215-25-000031.Report this figure | 14.34Diluted EPS, FY2023, twelve months to 2023-12-31$14.34 per share. XBRL concept us-gaap:EarningsPerShareDiluted. 10-K filed 2026-02-13, accession 0001101215-26-000016.Report this figure | 5.49Diluted EPS, FY2024, twelve months to 2024-12-31$5.49 per share. XBRL concept us-gaap:EarningsPerShareDiluted. 10-K filed 2026-02-13, accession 0001101215-26-000016.Report this figure | 10.89Diluted EPS, FY2025, twelve months to 2025-12-31$10.89 per share. XBRL concept us-gaap:EarningsPerShareDiluted. 10-K filed 2026-02-13, accession 0001101215-26-000016.Report this figure | |
| Free cash flow | $m | 1,459Free cash flow, FY2021, twelve months to 2021-12-31. operating cash flow − capital expenditureOperating cash flow: $1.54bn. XBRL concept us-gaap:NetCashProvidedByUsedInOperatingActivities. 10-K filed 2024-02-20, accession 0001101215-24-000041.Capital expenditure: $84.0m. XBRL concept us-gaap:PaymentsToAcquireProductiveAssets. 10-K filed 2023-02-28, accession 0001101215-23-000049.Report this figure | 1,780Free cash flow, FY2022, twelve months to 2022-12-31. operating cash flow − capital expenditureOperating cash flow: $1.85bn. XBRL concept us-gaap:NetCashProvidedByUsedInOperatingActivities. 10-K filed 2025-02-14, accession 0001101215-25-000031.Capital expenditure: $68.0m. XBRL concept us-gaap:PaymentsToAcquireProductiveAssets. 10-K filed 2023-02-28, accession 0001101215-23-000049.Report this figure | not reported (Capital expenditure not reported) | not reported (Capital expenditure not reported) | not reported (Capital expenditure not reported) |
Focus or hover a figure to see its XBRL concept, period and filing; each links to that filing. A figure marked d is derived: a quarter computed from year-to-date figures, such as the fourth quarter as the fiscal year less the nine months before it. A ratio reads not reported when any input is missing.
Insider purchases and sales
All insider transactionsThe last 20 open-market transactions reported on Form 4 (codes P and S). The reported price is the price per share the insider stated on the form: filing data, not a market price.
No open-market purchases or sales by insiders are in coverage from Nov 2024 to Oct 2026.
No open-market purchases or sales by insiders are in coverage for this company.
Funds that report holding it
All fundsFrom each manager's latest Form 13F, largest reported value first. Reported value is as filed at the quarter end: filing data, not a price. A put or call is an option position, not shares held.
| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
|---|---|---|---|---|---|
| BlackRock, Inc. | 2026-06-30 | $421.3m | 3,888,457 | Reduced−336,243 | |
| DIMENSIONAL FUND ADVISORS LP | 2026-06-30 | $335.0m | 3,092,208 | Added+6,148 | |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 2026-06-30 | $284.1m | 2,621,816 | Reduced−134,520 | |
| AMERICAN CENTURY COMPANIES INC | 2026-06-30 | $194.1m | 1,791,190 | Added+159,569 | |
| VANGUARD CAPITAL MANAGEMENT LLC | 2026-06-30 | $190.4m | 1,757,637 | Reduced−111,748 | |
| STATE STREET CORP | 2026-06-30 | $182.2m | 1,681,704 | Reduced−83,079 | |
| Allianz Asset Management GmbH | 2026-06-30 | $145.0m | 1,391,954 | Added+45,352 | |
| TURTLE CREEK ASSET MANAGEMENT INC. | 2026-06-30 | $142.0m | 1,310,339 | Reduced−1,120,763 | |
| GEODE CAPITAL MANAGEMENT, LLC | 2026-06-30 | $122.7m | 1,132,140 | Reduced−53,070 | |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | 2026-06-30 | $113.2m | 1,045,197 | Reduced−58,387 |
Recent filings
All 1,868 filingsReports and events: 10-K, 10-Q, 8-K, proxy statements and ownership schedules.
| Filed | Form | What it is | Accession number |
|---|---|---|---|
| 2026-10-2819:54 ET | 8-K | 8.01 Other events; 9.01 Financial statements and exhibits | 0001101215-26-000099 |
| 2026-10-2708:12 ET | 8-K | 8.01 Other events | 0001101215-26-000095 |
| 2026-10-2717:48 ET | 10-Q | Quarterly reportPeriod 2026-09-30 | 0001101215-26-000092 |
| 2026-10-2206:56 ET | 8-K | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001101215-26-000088 |
| 2026-10-2206:46 ET | 8-K | 2.02 Results of operations; 7.01 Regulation FD disclosure; 8.01 Other events; 9.01 Financial statements and exhibits | 0001101215-26-000087 |
| 2026-09-1507:01 ET | 8-K | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001101215-26-000084 |
| 2026-09-0816:32 ET | 8-K | 1.01 Entry into a material agreement; 9.01 Financial statements and exhibits | 0001101215-26-000081 |
| 2026-08-1707:31 ET | 8-K | 7.01 Regulation FD disclosure | 0001101215-26-000076 |
| 2026-07-2817:49 ET | 10-Q | Quarterly reportPeriod 2026-06-30 | 0001101215-26-000074 |
| 2026-07-2306:56 ET | 8-K | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001101215-26-000069 |
Latest annual report
Form 10-K for the fiscal year ended Dec 31, 2025Filed Feb 13, 2026. Its page lists the documents and the extracted sections, such as Business and Risk factors.
Forecast league
Not in this season’s league. The league lists companies whose quarter has ended and whose results are not yet filed.This season’s league
About the filer
- CIK
- 1101215
- Tickers
- BFH, BFH-PA, BFH-PB
- Exchange
- NYSE
- SIC code
- 6141 Personal Credit Institutions
- Sector
- Financials
- Fiscal year ends
- Dec 31
- Incorporated in
- DE
- Filer category
- Large accelerated filer
- Former names
- ALLIANCE DATA SYSTEMS CORP (to 2022-03-23)
Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 29, 2026, 04:32 ET. Listed shows no prices and gives no investment advice.