BREAD FINANCIAL HOLDINGS, INC. financial data

Symbol
BFH, BFH-PA on NYSE
Location
Columbus, OH
Fiscal year end
31 December
Latest financial report
10-K - Q4 2025 - 13 Feb 2026

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 588% % -5.2%
Return On Equity 16% % 80%
Return On Assets 2.3% % 88%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 43,115,116 shares -12%
Common Stock, Shares, Outstanding 44,100,000 shares -10%
Entity Public Float $2,700,000,000 USD 23%
Common Stock, Value, Issued $0 USD -100%
Weighted Average Number of Shares Outstanding, Basic 46,800,000 shares -5.6%
Weighted Average Number of Shares Outstanding, Diluted 47,600,000 shares -5.6%

Income Statement

Label TTM Value / Value Unit Change %
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $615,000,000 USD 61%
Income Tax Expense (Benefit) $94,000,000 USD -7.8%
Net Income (Loss) Attributable to Parent $518,000,000 USD 87%
Earnings Per Share, Basic 11.07 USD/shares 98%
Earnings Per Share, Diluted 10.89 USD/shares 98%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value $3,604,000,000 USD -2%
Property, Plant and Equipment, Net $117,000,000 USD -18%
Operating Lease, Right-of-Use Asset $63,000,000 USD -28%
Intangible Assets, Net (Excluding Goodwill) $82,000,000 USD -27%
Goodwill $634,000,000 USD 0%
Assets $22,663,000,000 USD -1%
Liabilities $19,336,000,000 USD -2.5%
Accumulated Other Comprehensive Income (Loss), Net of Tax $16,000,000 USD 27%
Retained Earnings (Accumulated Deficit) $1,475,000,000 USD 48%
Stockholders' Equity Attributable to Parent $3,327,000,000 USD 9%
Liabilities and Equity $22,663,000,000 USD -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 44,100,000 shares -10%
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 $3,628,000,000 USD -2.3%
Deferred Tax Assets, Valuation Allowance $20,000,000 USD 5.3%
Deferred Tax Assets, Gross $696,000,000 USD -8.8%
Operating Lease, Liability $85,000,000 USD -34%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $524,000,000 USD 91%
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 1.4%
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%
Preferred Stock, Shares Issued 75,000 shares
Preferred Stock, Shares Authorized 75,000 shares 0%
Unrecognized Tax Benefits $122,000,000 USD -21%
Lessee, Operating Lease, Liability, to be Paid, Year Four $20,000,000 USD -4.8%
Preferred Stock, Shares Outstanding 75,000 shares
Depreciation, Depletion and Amortization $21,000,000 USD -8.7%
Deferred Tax Assets, Net of Valuation Allowance $676,000,000 USD -9.1%
Share-based Payment Arrangement, Expense $56,000,000 USD 3.7%
Interest Expense $909,000,000 USD 42%
Preferred Stock, Par or Stated Value Per Share 0.01 USD/shares 0%