Bread Financial Holdings (BFH) Operating Expenses (2009 - 2026)
Bread Financial Holdings (BFH) posted Operating Expenses of $483.0 million for Q2 2026, up 2.33% on a QoQ basis from $472.0 million in Q1 2026, and little changed year-over-year from $481.0 million in Q2 2025.
Analysis
Bread Financial Holdings (BFH) Operating Expenses (2009 - 2026) Analysis & Trends
Bread Financial Holdings has reported Operating Expenses for 18 years, with the latest figure at $483.0 million in Q2 2026.
- On a quarterly basis, Operating Expenses changed 0.42% year-over-year to $483.0 million in Q2 2026; TTM through Jun 2026 was $2.0 billion, a 3.92% decrease from a year earlier, with the FY2025 full-year figure at $2.0 billion, down 3.5% from the prior year.
- Operating Expenses was $483.0 million for Q2 2026 at Bread Financial Holdings, up from $472.0 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 $501.7 million, with a median of $484.5 million recorded in 2022.
- The sharpest annual moves came in 2022 and 2025: Operating Expenses advanced 28.27% in 2022, then decreased 17.07% in 2025.
- Over 5 years, Operating Expenses stood at $549.0 million in 2022, then dropped by 6.01% to $516.0 million in 2023, then grew by 3.68% to $535.0 million in 2024, then rose by 3.74% to $555.0 million in 2025, then dropped by 12.97% to $483.0 million in 2026.
- The last three Operating Expenses figures came in at $483.0 million (Q2 2026), $472.0 million (Q1 2026), and $555.0 million (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Opex (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 1.33 Bn |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 1.02 Bn |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 406.67 Mn |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 418.80 Mn |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 194.98 Mn |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 330.92 Mn |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 483.00 Mn |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | -41.49 Mn |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 191.37 Mn |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 85.00 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 483.00 Mn |
| 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 |