Bread Financial Holdings (BFH) Net Income (2009 - 2026)
Bread Financial Holdings (BFH) recorded Net Income of $156 million in Q3 2026, down 17.0% from $188 million a year earlier but up 6.8% from the prior quarter.
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Analysis
Bread Financial Holdings (BFH) Net Income (2009 - 2026) Analysis & Trends
On a TTM basis, Bread Financial Holdings' Net Income came in at $537 million as of Sep 30, 2026, up 13.8% year-over-year; for FY2025, it was $518 million, up 87.0% from FY2024.
- Annual Net Income has a five-year compound annual growth rate of 19.3% (FY2020 to FY2025).
- Across earlier years, Net Income came in at $277 million in FY2024 (-61.4%), $718 million in FY2023 (+222.0%), $223 million in FY2022 (-72.2%) and $801 million in FY2021 (+274.3%).
- Quarterly Net Income has ranged from -$134 million in Q4 2022 to $455 million in Q1 2023 over the past five years.
- On a year-over-year basis, Net Income rose in five of the last seven quarters, with growth averaging 87.8%.
- Peak year-over-year performance for Net Income in the last five years was growth of 671.4% in Q4 2025, against a decline of 98.8% in Q3 2024 at the low end.
- Per Business Quant, the preceding three quarters came in at $146 million (Q2 2026), $181 million (Q1 2026) and $54 million (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Income (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | 709.00 Mn |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | - |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | 266.64 Mn |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 4.18 Bn |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | 237.56 Mn |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 892.00 Mn |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 164.17 Mn |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | -1.00 Bn |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | 319.00 Mn |
| 10 | Bread Financial Holdings | 3.74 Bn | -11.14 Bn | - | 156.00 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 156.00 Mn |
| Jun 30, 2026 | 146.00 Mn |
| Mar 31, 2026 | 181.00 Mn |
| Dec 31, 2025 | 54.00 Mn |
| Sep 30, 2025 | 188.00 Mn |
| Jun 30, 2025 | 139.00 Mn |
| Mar 31, 2025 | 138.00 Mn |
| Dec 31, 2024 | 7.00 Mn |
| Sep 30, 2024 | 2.00 Mn |
| Jun 30, 2024 | 133.00 Mn |
| Mar 31, 2024 | 134.00 Mn |
| Dec 31, 2023 | 43.00 Mn |
| Sep 30, 2023 | 171.00 Mn |
| Jun 30, 2023 | 48.00 Mn |
| Mar 31, 2023 | 455.00 Mn |
| Dec 31, 2022 | -134.00 Mn |
| Sep 30, 2022 | 134.00 Mn |
| Jun 30, 2022 | 12.00 Mn |
| Mar 31, 2022 | 210.00 Mn |
| Dec 31, 2021 | 18.00 Mn |
API Access
Bread Financial Holdings Net Income API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=net-income&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-income", "ticker": "BFH", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=net-income&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();