Bread Financial Holdings (BFH) Operating Income (2009 - 2026)
Bread Financial Holdings (BFH) posted Operating Income of $474.0 million for Q2 2026, down 7.24% on a QoQ basis from $511.0 million in Q1 2026, and up 14.49% year-over-year from $414.0 million in Q2 2025.
Analysis
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 $474.0 million in Q2 2026.
- On a quarterly basis, Operating Income rose 14.49% year-over-year to $474.0 million in Q2 2026; TTM through Jun 2026 was $1.8 billion, a 14.7% increase from a year earlier, with the FY2025 full-year figure at $1.7 billion, up 4.66% from the prior year.
- Operating Income was $474.0 million for Q2 2026 at Bread Financial Holdings, down from $511.0 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 $448.2 million, with a median of $451.5 million recorded in 2022.
- The sharpest annual moves came in 2023 and 2024: Operating Income surged 52.16% in 2023, then tumbled 31.87% in 2024.
- Over 5 years, Operating Income 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 rose by 26.06% to $474.0 million in 2026.
- The last three Operating Income figures came in at $474.0 million (Q2 2026), $511.0 million (Q1 2026), and $376.0 million (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Op. Inc (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | - |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 147.26 Mn |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 127.00 Mn |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 150.50 Mn |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | - |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 237.15 Mn |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 474.00 Mn |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 350.46 Mn |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 54.82 Mn |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 474.00 Mn |
| 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 | 381.00 Mn |
| Sep 30, 2021 | 382.80 Mn |