Bread Financial Holdings (BFH) Retained Earnings (2009 - 2026)
Bread Financial Holdings (BFH) posted Retained Earnings of $1.8 billion for Q2 2026, up 8.28% on a QoQ basis from $1.6 billion in Q1 2026, and up 41.75% year-over-year from $1.3 billion in Q2 2025.
Analysis
Bread Financial Holdings (BFH) Retained Earnings (2009 - 2026) Analysis & Trends
Bread Financial Holdings has reported Retained Earnings for 18 years, with the latest figure at $1.8 billion in Q2 2026.
- On a quarterly basis, Retained Earnings rose 41.75% year-over-year to $1.8 billion in Q2 2026; TTM through Jun 2026 was $1.8 billion, a 41.75% increase from a year earlier, with the FY2025 full-year figure at $1.5 billion, up 47.65% from the prior year.
- Retained Earnings was $1.8 billion for Q2 2026 at Bread Financial Holdings, up from $1.6 billion in the prior quarter.
- The five-year high for Retained Earnings was $2.2 billion in Q4 2022, with the low at $113.0 million in Q1 2022.
- Average Retained Earnings over 5 years is $993.6 million, with a median of $1.0 billion recorded in 2024.
- The sharpest annual moves came in 2022 and 2023: Retained Earnings plunged 97.88% in 2022, then soared 403.51% in 2023.
- Over 5 years, Retained Earnings stood at $2.2 billion in 2022, then plunged by 65.01% to $767.0 million in 2023, then surged by 30.25% to $999.0 million in 2024, then surged by 47.65% to $1.5 billion in 2025, then increased by 20.61% to $1.8 billion in 2026.
- The last three Retained Earnings figures came in at $1.8 billion (Q2 2026), $1.6 billion (Q1 2026), and $1.5 billion (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Retained Earnings (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 25.97 Bn |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 6.65 Bn |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 1.83 Bn |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 1.08 Bn |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 5.04 Bn |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 2.20 Bn |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 1.78 Bn |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | - |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 739.40 Mn |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 4.56 Bn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| 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 | 2.19 Bn |
| Sep 30, 2022 | 238.00 Mn |
| Jun 30, 2022 | 114.00 Mn |
| Mar 31, 2022 | 113.00 Mn |
| Dec 31, 2021 | 2.17 Bn |
| Sep 30, 2021 | 130.50 Mn |