Bread Financial Holdings (BFH) Cost of Revenue (2009 - 2026)
Bread Financial Holdings (BFH) posted Cost of Revenue of $36.0 million for Q2 2026, up 2.86% on a QoQ basis from $35.0 million in Q1 2026, and up 5.88% year-over-year from $34.0 million in Q2 2025.
Analysis
Bread Financial Holdings (BFH) Cost of Revenue (2009 - 2026) Analysis & Trends
Bread Financial Holdings has reported Cost of Revenue for 18 years, with the latest figure at $36.0 million in Q2 2026.
- On a quarterly basis, Cost of Revenue rose 5.88% year-over-year to $36.0 million in Q2 2026; TTM through Jun 2026 was $153.0 million, a 1.29% decrease from a year earlier, with the FY2025 full-year figure at $150.0 million, up 2.04% from the prior year.
- Cost of Revenue was $36.0 million for Q2 2026 at Bread Financial Holdings, up from $35.0 million in the prior quarter.
- The five-year high for Cost of Revenue was $56.0 million in Q4 2022, with the low at $28.0 million in Q1 2024.
- Average Cost of Revenue over 5 years is $39.5 million, with a median of $38.0 million recorded in 2024.
- The sharpest annual moves came in 2022 and 2024: Cost of Revenue surged 42.86% in 2022, then slipped 28.21% in 2024.
- Over 5 years, Cost of Revenue stood at $56.0 million in 2022, then slipped by 17.86% to $46.0 million in 2023, then increased by 4.35% to $48.0 million in 2024, then decreased by 8.33% to $44.0 million in 2025, then fell by 18.18% to $36.0 million in 2026.
- The last three Cost of Revenue figures came in at $36.0 million (Q2 2026), $35.0 million (Q1 2026), and $44.0 million (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Cost of Rev (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 26.10 Bn | 9.91 Bn | - | - |
| 2 | Affirm Holdings | 23.96 Bn | 22.33 Bn | - | - |
| 3 | FirstCash Holdings | 9.99 Bn | 9.82 Bn | 533.67 Mn | 541.02 Mn |
| 4 | Credit Acceptance | 6.23 Bn | 5.74 Bn | 569.30 Mn | 18.10 Mn |
| 5 | Enova International | 5.65 Bn | 5.53 Bn | 568.07 Mn | 203.56 Mn |
| 6 | Slm | 4.99 Bn | 195.68 Mn | - | - |
| 7 | Bread Financial Holdings | 4.32 Bn | -15.77 Bn | 957.00 Mn | 36.00 Mn |
| 8 | StoneCo | 2.70 Bn | 1.08 Bn | 308.97 Mn | 226.42 Mn |
| 9 | Ezcorp | 2.05 Bn | 1.74 Bn | 246.19 Mn | 130.76 Mn |
| 10 | Navient | 1.71 Bn | 337.11 Mn | - | 57.00 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 36.00 Mn |
| Mar 31, 2026 | 35.00 Mn |
| Dec 31, 2025 | 44.00 Mn |
| Sep 30, 2025 | 38.00 Mn |
| Jun 30, 2025 | 34.00 Mn |
| Mar 31, 2025 | 35.00 Mn |
| Dec 31, 2024 | 48.00 Mn |
| Sep 30, 2024 | 38.00 Mn |
| Jun 30, 2024 | 33.00 Mn |
| Mar 31, 2024 | 28.00 Mn |
| Dec 31, 2023 | 46.00 Mn |
| Sep 30, 2023 | 36.00 Mn |
| Jun 30, 2023 | 40.00 Mn |
| Mar 31, 2023 | 39.00 Mn |
| Dec 31, 2022 | 56.00 Mn |
| Sep 30, 2022 | 44.00 Mn |
| Jun 30, 2022 | 50.00 Mn |
| Mar 31, 2022 | 31.00 Mn |
| Dec 31, 2021 | 47.00 Mn |
| Sep 30, 2021 | 35.00 Mn |