Bread Financial Holdings BFH
NYSE BFH
$108.52 +0.21 (+0.19%)
At close: Sep 18, 2026 · 4:00 PM EDT

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

Historic Data

Download Data
DateValue
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