Bread Financial Holdings (BFH-PA) Operating Expenses (2009 - 2026)

Bread Financial Holdings (BFH-PA) posted quarterly Operating Expenses of $472.0 million for Q1 2026, down 1.05% year-over-year from $477.0 million in Q1 2025, and down 14.95% on a QoQ basis from $555.0 million in Q4 2025.

Bread Financial Holdings (BFH-PA) Operating Expenses (2009 - 2026) Analysis & Trends

Bread Financial Holdings (BFH-PA) has reported Operating Expenses for 18 consecutive years, with $472.0 million the latest figure, recorded in Q1 2026.

  • In Q1 2026, Operating Expenses fell 1.05% year-over-year to $472.0 million; the TTM figure through Mar 2026 stood at $2.0 billion (down 3.45% YoY), while the FY2025 annual figure was $2.0 billion, down 3.5% from the prior year.
  • Operating Expenses came in at $472.0 million for Q1 2026 at Bread Financial Holdings, down from $555.0 million in the prior quarter.
  • The five-year high for Operating Expenses was $574.0 million in Q3 2024, with the low at $426.0 million in Q1 2022.
  • Average Operating Expenses over 5 years is $502.8 million, with a median of $486.0 million recorded in 2022.
  • Across the five-year window, Operating Expenses grew 28.27% in 2022 and dropped 17.07% in 2025, its largest moves.
  • Year by year, Operating Expenses stood at $549.0 million in 2022, then fell by 6.01% to $516.0 million in 2023, then rose by 3.68% to $535.0 million in 2024, then advanced by 3.74% to $555.0 million in 2025, then declined by 14.95% to $472.0 million in 2026.
  • According to Business Quant data, Operating Expenses over the past three periods registered $472.0 million, $555.0 million, and $476.0 million for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Opex (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 4.00 Bn
2 Mastercard 465.55 Bn 455.34 Bn - 3.49 Bn
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 13.88 Bn
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 6.87 Bn
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 950.34 Mn
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 891.92 Mn
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 1.24 Bn
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 422.90 Mn
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn -363.39 Mn
10 Bread Financial Holdings - - 983.00 Mn 472.00 Mn

Historic Data

Download Data
DateValue
Mar 31, 2026 472.00 Mn
Dec 31, 2025 555.00 Mn
Sep 30, 2025 476.00 Mn
Jun 30, 2025 481.00 Mn
Mar 31, 2025 477.00 Mn
Dec 31, 2024 535.00 Mn
Sep 30, 2024 574.00 Mn
Jun 30, 2024 469.00 Mn
Mar 31, 2024 482.00 Mn
Dec 31, 2023 516.00 Mn
Sep 30, 2023 502.00 Mn
Jun 30, 2023 530.00 Mn
Mar 31, 2023 544.00 Mn
Dec 31, 2022 549.00 Mn
Sep 30, 2022 486.00 Mn
Jun 30, 2022 473.00 Mn
Mar 31, 2022 426.00 Mn
Dec 31, 2021 428.00 Mn
Sep 30, 2021 431.00 Mn
Jun 30, 2021 424.00 Mn