Bread Financial Holdings (BFH) Retained Earnings (2009 - 2026)
Bread Financial Holdings (BFH) recorded Retained Earnings of $1.92 billion in Q3 2026, up 34.0% from $1.43 billion a year earlier and up 7.9% from the prior quarter.
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Analysis
Bread Financial Holdings (BFH) Retained Earnings (2009 - 2026) Analysis & Trends
At the end of FY2025, Bread Financial Holdings reported Retained Earnings of $1.48 billion, up 47.6% from FY2024.
- Annual Retained Earnings has increased for three straight years, though with a five-year compound annual growth rate of -21.1% (FY2020 to FY2025).
- Across earlier years, Retained Earnings came in at $999 million in FY2024 (+30.2%), $767 million in FY2023 (+724.7%), $93 million in FY2022 and -$87 million in FY2021.
- The Q3 2026 figure is the highest quarterly Retained Earnings since Q2 2021.
- On a year-over-year basis, Retained Earnings has increased for 15 consecutive quarters, with growth averaging 36.6% over the last eight quarters.
- Peak year-over-year performance for Retained Earnings in the last five years was growth of 724.7% in Q4 2023, against a decline of 97.9% in Q2 2022 at the low end.
- Per Business Quant, the preceding three quarters came in at $1.78 billion (Q2 2026), $1.64 billion (Q1 2026) and $1.48 billion (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Retained Earnings (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | 1.36 Bn |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | 21.91 Bn |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | 2.50 Bn |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | -12.38 Bn |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | 1.66 Bn |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 26.72 Bn |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | -962.86 Mn |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | -14.85 Bn |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | 504.00 Mn |
| 10 | Bread Financial Holdings | 3.74 Bn | -11.14 Bn | - | 1.92 Bn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 1.92 Bn |
| Jun 30, 2026 | 1.78 Bn |
| Mar 31, 2026 | 1.64 Bn |
| Dec 31, 2025 | 1.48 Bn |
| Sep 30, 2025 | 1.43 Bn |
| Jun 30, 2025 | 1.26 Bn |
| Mar 31, 2025 | 1.13 Bn |
| Dec 31, 2024 | 999.00 Mn |
| Sep 30, 2024 | 1.00 Bn |
| Jun 30, 2024 | 1.01 Bn |
| Mar 31, 2024 | 890.00 Mn |
| Dec 31, 2023 | 767.00 Mn |
| Sep 30, 2023 | 735.00 Mn |
| Jun 30, 2023 | 574.00 Mn |
| Mar 31, 2023 | 537.00 Mn |
| Dec 31, 2022 | 93.00 Mn |
| Sep 30, 2022 | 238.00 Mn |
| Jun 30, 2022 | 114.00 Mn |
| Mar 31, 2022 | 113.00 Mn |
| Dec 31, 2021 | -87.00 Mn |
API Access
Bread Financial Holdings Retained Earnings 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=retained-earnings&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "retained-earnings", "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=retained-earnings&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();