# Bread Financial Holdings, Inc.: financial statements, quarterly

BFH · NYSE · CIK 1101215 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/bfh.md) · [Financials](/companies/bfh/financials.md) · [Filings](/companies/bfh/filings.md) · [Insiders](/companies/bfh/insiders.md)

Standardized line items from XBRL company facts. Each value links to its filing; d marks a value derived from year-to-date figures. Other view: [annual](/companies/bfh/financials.md?period=annual).

## Income statement

| Line item | Unit | Q4 FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) | Q3 FY2026 (2026-09-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [1,016 d](/filings/0001101215-26-000016.md) | [991](/filings/0001101215-25-000080.md) | [939](/filings/0001101215-25-000135.md) | [983](/filings/0001101215-25-000173.md) | [925 d](/filings/0001101215-26-000016.md) | [970](/filings/0001101215-26-000040.md) | [929](/filings/0001101215-26-000074.md) | [971](/filings/0001101215-26-000092.md) | [975 d](/filings/0001101215-26-000016.md) | [1,018](/filings/0001101215-26-000040.md) | [993](/filings/0001101215-26-000074.md) | [1,017](/filings/0001101215-26-000092.md) |
| Cost of revenue | $m | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Operating income | $m | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Interest expense | $m | [238 d](/filings/0001101215-24-000041.md) | [248](/filings/0001101215-24-000101.md) | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Income tax | $m | [(26.0) d](/filings/0001101215-26-000016.md) | [53.0](/filings/0001101215-25-000080.md) | [47.0](/filings/0001101215-25-000135.md) | [37.0](/filings/0001101215-25-000173.md) | [(34.0) d](/filings/0001101215-26-000016.md) | [55.0](/filings/0001101215-26-000040.md) | [35.0](/filings/0001101215-26-000074.md) | [8.0](/filings/0001101215-26-000092.md) | [(6.0) d](/filings/0001101215-26-000016.md) | [62.0](/filings/0001101215-26-000040.md) | [51.0](/filings/0001101215-26-000074.md) | [53.0](/filings/0001101215-26-000092.md) |
| Net income | $m | [43.0 d](/filings/0001101215-26-000016.md) | [134](/filings/0001101215-25-000080.md) | [133](/filings/0001101215-25-000135.md) | [2.0](/filings/0001101215-25-000173.md) | [7.0 d](/filings/0001101215-26-000016.md) | [138](/filings/0001101215-26-000040.md) | [139](/filings/0001101215-26-000074.md) | [188](/filings/0001101215-26-000092.md) | [54.0 d](/filings/0001101215-26-000016.md) | [181](/filings/0001101215-26-000040.md) | [146](/filings/0001101215-26-000074.md) | [156](/filings/0001101215-26-000092.md) |
| Diluted EPS | $ per share | not reported | [2.70](/filings/0001101215-25-000080.md) | [2.66](/filings/0001101215-25-000135.md) | [0.05](/filings/0001101215-25-000173.md) | not reported | [2.78](/filings/0001101215-26-000040.md) | [2.94](/filings/0001101215-26-000074.md) | [3.96](/filings/0001101215-26-000092.md) | not reported | [4.15](/filings/0001101215-26-000040.md) | [3.55](/filings/0001101215-26-000074.md) | [3.82](/filings/0001101215-26-000092.md) |
| Basic EPS | $ per share | not reported | [2.71](/filings/0001101215-25-000080.md) | [2.69](/filings/0001101215-25-000135.md) | [0.05](/filings/0001101215-25-000173.md) | not reported | [2.81](/filings/0001101215-26-000040.md) | [2.97](/filings/0001101215-26-000074.md) | [4.04](/filings/0001101215-26-000092.md) | not reported | [4.19](/filings/0001101215-26-000040.md) | [3.62](/filings/0001101215-26-000074.md) | [3.91](/filings/0001101215-26-000092.md) |

- Revenue: us-gaap:RevenuesNetOfInterestExpense
- Cost of revenue: not reported
- Operating income: not reported
- Interest expense: us-gaap:InterestExpense
- Income tax: us-gaap:IncomeTaxExpenseBenefit
- Net income: us-gaap:NetIncomeLoss
- Diluted EPS: us-gaap:EarningsPerShareDiluted
- Basic EPS: us-gaap:EarningsPerShareBasic

## Balance sheet

| Line item | Unit | FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) | Q3 FY2026 (2026-09-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Cash and equivalents | $bn | [3.6](/filings/0001101215-26-000016.md) | [3.8](/filings/0001101215-25-000080.md) | [4.1](/filings/0001101215-25-000135.md) | [3.5](/filings/0001101215-25-000173.md) | [3.7](/filings/0001101215-26-000016.md) | [4.2](/filings/0001101215-26-000040.md) | [3.8](/filings/0001101215-26-000074.md) | [3.8](/filings/0001101215-26-000092.md) | [3.6](/filings/0001101215-26-000092.md) | [3.6](/filings/0001101215-26-000040.md) | [3.7](/filings/0001101215-26-000074.md) | [4.0](/filings/0001101215-26-000092.md) |
| Current assets | $bn | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Total assets | $bn | [23.1](/filings/0001101215-25-000031.md) | [22.3](/filings/0001101215-24-000101.md) | [22.1](/filings/0001101215-24-000181.md) | [21.7](/filings/0001101215-24-000224.md) | [22.9](/filings/0001101215-26-000016.md) | [22.4](/filings/0001101215-25-000080.md) | [21.8](/filings/0001101215-25-000135.md) | [21.7](/filings/0001101215-25-000173.md) | [22.7](/filings/0001101215-26-000092.md) | [22.3](/filings/0001101215-26-000040.md) | [22.5](/filings/0001101215-26-000074.md) | [23.3](/filings/0001101215-26-000092.md) |
| Current liabilities | $bn | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Total liabilities | $bn | [20.2](/filings/0001101215-25-000031.md) | [19.3](/filings/0001101215-24-000101.md) | [19.0](/filings/0001101215-24-000181.md) | [18.6](/filings/0001101215-24-000224.md) | [19.8](/filings/0001101215-26-000016.md) | [19.3](/filings/0001101215-25-000080.md) | [18.7](/filings/0001101215-25-000135.md) | [18.4](/filings/0001101215-25-000173.md) | [19.3](/filings/0001101215-26-000092.md) | [19.0](/filings/0001101215-26-000040.md) | [19.1](/filings/0001101215-26-000074.md) | [19.9](/filings/0001101215-26-000092.md) |
| Long-term debt | $bn | [5.3](/filings/0001101215-25-000031.md) | not reported | not reported | [4.6](/filings/0001101215-24-000224.md) | [5.6](/filings/0001101215-26-000016.md) | [5.1](/filings/0001101215-25-000080.md) | [4.2](/filings/0001101215-25-000135.md) | [3.8](/filings/0001101215-25-000173.md) | [4.3](/filings/0001101215-26-000016.md) | not reported | not reported | not reported |
| Current portion of debt | $bn | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Shareholders' equity | $bn | [2.9](/filings/0001101215-26-000016.md) | [3.0](/filings/0001101215-25-000135.md) | [3.2](/filings/0001101215-25-000173.md) | [3.1](/filings/0001101215-25-000173.md) | [3.1](/filings/0001101215-26-000092.md) | [3.1](/filings/0001101215-26-000074.md) | [3.2](/filings/0001101215-26-000092.md) | [3.3](/filings/0001101215-26-000092.md) | [3.3](/filings/0001101215-26-000092.md) | [3.3](/filings/0001101215-26-000074.md) | [3.4](/filings/0001101215-26-000092.md) | [3.4](/filings/0001101215-26-000092.md) |

- Cash and equivalents: us-gaap:CashAndCashEquivalentsAtCarryingValue
- Current assets: not reported
- Total assets: us-gaap:Assets
- Current liabilities: not reported
- Total liabilities: us-gaap:Liabilities
- Long-term debt: us-gaap:LongTermDebt
- Current portion of debt: not reported
- Shareholders' equity: us-gaap:StockholdersEquity

## Cash flow

| Line item | Unit | Q4 FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) | Q3 FY2026 (2026-09-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Operating cash flow | $m | [617 d](/filings/0001101215-26-000016.md) | [447](/filings/0001101215-25-000080.md) | [477 d](/filings/0001101215-25-000135.md) | [456 d](/filings/0001101215-25-000173.md) | [479 d](/filings/0001101215-26-000016.md) | [393](/filings/0001101215-26-000040.md) | [526 d](/filings/0001101215-26-000074.md) | [605 d](/filings/0001101215-26-000092.md) | [568 d](/filings/0001101215-26-000016.md) | [487](/filings/0001101215-26-000040.md) | [533 d](/filings/0001101215-26-000074.md) | [601 d](/filings/0001101215-26-000092.md) |
| Capital expenditure | $m | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Dividends paid | $m | [10.0 d](/filings/0001101215-25-000031.md) | [11.0](/filings/0001101215-25-000080.md) | [11.0](/filings/0001101215-24-000181.md) | [10.0](/filings/0001101215-24-000224.md) | [11.0 d](/filings/0001101215-25-000031.md) | [10.0](/filings/0001101215-26-000092.md) | [10.0](/filings/0001101215-26-000092.md) | [10.0](/filings/0001101215-26-000092.md) | [10.0](/filings/0001101215-26-000016.md) | [10.0](/filings/0001101215-26-000092.md) | [9.0](/filings/0001101215-26-000092.md) | [10.0](/filings/0001101215-26-000092.md) |
| Share repurchases | $m | [0.0 d](/filings/0001101215-26-000016.md) | [11.0](/filings/0001101215-25-000080.md) | [0.0 d](/filings/0001101215-25-000135.md) | [0.0 d](/filings/0001101215-25-000173.md) | [44.0 d](/filings/0001101215-26-000016.md) | [103](/filings/0001101215-26-000040.md) | [47.0 d](/filings/0001101215-26-000074.md) | [40.0 d](/filings/0001101215-26-000092.md) | [123 d](/filings/0001101215-26-000016.md) | [153](/filings/0001101215-26-000040.md) | [243 d](/filings/0001101215-26-000074.md) | [76.0 d](/filings/0001101215-26-000092.md) |

- Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities
- Capital expenditure: not reported
- Dividends paid: us-gaap:PaymentsOfDividendsCommonStock
- Share repurchases: us-gaap:PaymentsForRepurchaseOfCommonStock

## Shares

| Line item | Unit | Q1 FY2023 (2023-03-31) | Q2 FY2023 (2023-06-30) | Q3 FY2023 (2023-09-30) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) | Q3 FY2026 (2026-09-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Diluted shares (weighted) | millions of shares | [50.1](/filings/0001101215-24-000101.md) | [50.3](/filings/0001101215-24-000181.md) | [50.1](/filings/0001101215-24-000224.md) | [49.7](/filings/0001101215-25-000080.md) | [50.2](/filings/0001101215-25-000135.md) | [51.0](/filings/0001101215-25-000173.md) | [49.6](/filings/0001101215-26-000040.md) | [47.2](/filings/0001101215-26-000074.md) | [47.5](/filings/0001101215-26-000092.md) | [43.2](/filings/0001101215-26-000040.md) | [40.7](/filings/0001101215-26-000074.md) | [39.3](/filings/0001101215-26-000092.md) |

- Diluted shares (weighted): us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

Shares outstanding: 37,961,242 at 2026-10-21, from the cover of the [10-Q filed 2026-10-27](/filings/0001101215-26-000092.md) (dei:EntityCommonStockSharesOutstanding).

Source: SEC EDGAR, XBRL company facts. Last ingested by Listed: Oct 27, 2026, 08:18 ET. No prices; not investment advice.