Bread Financial Holdings (BFH) Operating Income (2009 - 2026)

Bread Financial Holdings' quarterly Operating Income came in at $511.0 million in Q1 2026, up 11.57% year-on-year from $458.0 million in Q1 2025, and up 35.9% quarter-over-quarter from $376.0 million in Q4 2025.

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

Bread Financial Holdings has reported Operating Income for 18 years, with the latest figure at $511.0 million in Q1 2026.

  • For the quarter ending Q1 2026, Operating Income rose 11.57% year-over-year to $511.0 million; the trailing twelve-month figure through Mar 2026 stood at $1.8 billion (up 9.33% YoY), and the FY2025 full-year result was $1.7 billion, up 4.66% from the prior year.
  • Operating Income for Q1 2026 stood at $511.0 million, up from $376.0 million in the prior quarter.
  • The five-year high for Operating Income was $706.0 million in Q1 2023, with the low at $342.0 million in Q4 2024.
  • Average Operating Income over 5 years is $446.6 million, with a median of $449.0 million recorded in 2022.
  • Year-over-year, Operating Income soared 137.53% in 2022 and plunged 31.87% in 2024.
  • Tracing BFH's Operating Income over 5 years: stood at $428.0 million in 2022, then gained by 6.07% to $454.0 million in 2023, then retreated by 24.67% to $342.0 million in 2024, then climbed by 9.94% to $376.0 million in 2025, then soared by 35.9% to $511.0 million in 2026.
  • The last three Operating Income figures came in at $511.0 million (Q1 2026), $376.0 million (Q4 2025), and $457.0 million (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Op. Inc (Qtr)
1 Visa 539.53 Bn 527.13 Bn - 7.23 Bn
2 Mastercard 441.81 Bn 431.60 Bn - 4.91 Bn
3 American Express 215.01 Bn 160.96 Bn 17.43 Bn 3.55 Bn
4 Capital One Financial 114.99 Bn 38.50 Bn - -
5 PayPal Holdings 41.29 Bn 31.95 Bn 7.84 Bn 1.49 Bn
6 Affirm Holdings 24.62 Bn 22.89 Bn 261.64 Mn 88.43 Mn
7 Synchrony Financial 24.22 Bn 3.66 Bn - -
8 SoFi Technologies 23.71 Bn 20.31 Bn 929.25 Mn 37.32 Mn
9 Ally Financial 13.13 Bn 12.69 Bn 1.98 Bn 746.00 Mn
10 Bread Financial Holdings 3.83 Bn 191.67 Mn 983.00 Mn 511.00 Mn

Historic Data

Download Data
DateValue
Mar 31, 2026 511.00 Mn
Dec 31, 2025 376.00 Mn
Sep 30, 2025 457.00 Mn
Jun 30, 2025 414.00 Mn
Mar 31, 2025 458.00 Mn
Dec 31, 2024 342.00 Mn
Sep 30, 2024 371.00 Mn
Jun 30, 2024 437.00 Mn
Mar 31, 2024 481.00 Mn
Dec 31, 2023 454.00 Mn
Sep 30, 2023 493.00 Mn
Jun 30, 2023 382.00 Mn
Mar 31, 2023 706.00 Mn
Dec 31, 2022 428.00 Mn
Sep 30, 2022 449.00 Mn
Jun 30, 2022 370.00 Mn
Mar 31, 2022 464.00 Mn
Dec 31, 2021 -1.14 Bn
Sep 30, 2021 382.80 Mn
Jun 30, 2021 473.30 Mn