Short-Term Loyalty Programs was Bread Financial Holdings’s largest product and service line in fiscal 2019, bringing in $1.27B of $1.68B (76%).
| Product and Service | FY 2019 |
|---|---|
| Short-Term Loyalty Programs | $1.27B |
| Coalition Loyalty Program | $580.20M |
| Other | $190.60M |
| Servicing Fees, Net | -$361.40M |
| Total | $1.68B |
Bread Financial Holdings brought in $1.68B from its four product and service lines in fiscal 2019, the year ended December 31, 2019. Short-Term Loyalty Programs was the largest at $1.27B (75.6%), ahead of Coalition Loyalty Program at $580.20M (34.5%) and Other at $190.60M (11.3%).
The total is net of Servicing Fees, Net, which took $361.40M off revenue in fiscal 2019.
United States was Bread Financial Holdings’s largest region in fiscal 2020, bringing in $7.51B of $9.02B (83%).
| Geography | FY 2009 | FY 2010 | FY 2011 | FY 2012 | FY 2013 | FY 2014 | FY 2015 | FY 2016 | FY 2018 | FY 2019 | FY 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| United States | $9.20B | $81.00M | $7.51B | ||||||||
| Total Revenue | — | — | — | ||||||||
| Revenues | — | — | — | ||||||||
| Canada | $822.60M | $704.40M | $573.80M | ||||||||
| Europe, Middle East & Africa | $926.40M | $898.20M | $665.20M | ||||||||
| Emea | — | — | — | ||||||||
| Asia Pacific | $244.00M | — | $161.00M | ||||||||
| Other | $97.60M | — | $107.40M | ||||||||
| Total | $11.29B | $1.68B | $9.02B |
Bread Financial Holdings brought in $9.02B from its five regions in fiscal 2020, the year ended December 31, 2020. Bread Financial Holdings regrouped these regions after fiscal 2019, so the total does not compare directly with that year's $1.68B. United States was the largest at $7.51B (83.3%), ahead of Europe, Middle East & Africa at $665.20M (7.4%) and Canada at $573.80M (6.4%). The other two regions brought in $268.40M combined.
Compared with fiscal 2019, United States grew fastest, up 9,175.6% to $7.51B, while Europe, Middle East & Africa fell the most, down 25.9% to $665.20M. From fiscal 2018 to 2020, combined revenue from these regions fell from $11.29B to $9.02B, a compound annual decline of 10.6%. United States' share of the total rose from 81.5% to 83.3%.
Card Services was Bread Financial Holdings’s largest segment in fiscal 2020, bringing in $7.51B of $8.18B (92%).
| Statement Business Segments | FY 2009 | FY 2010 | FY 2011 | FY 2012 | FY 2013 | FY 2014 | FY 2015 | FY 2016 | FY 2018 | FY 2019 | FY 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Card Services | $9.20B | -$361.40M | $7.51B | ||||||||
| Private Label Services & Credit | — | — | — | ||||||||
| Total Revenue | — | — | — | ||||||||
| Revenues | — | — | — | ||||||||
| Epsilon | — | — | — | ||||||||
| Loyaltyone | $926.40M | $1.27B | $665.20M | ||||||||
| Total | $10.12B | $909.60M | $8.18B |
Bread Financial Holdings brought in $8.18B from its two segments in fiscal 2020, the year ended December 31, 2020. That is less than the $9.02B it reports by geography, so these segments do not cover all of its revenue. Card Services was the largest at $7.51B (91.9%), ahead of Loyaltyone at $665.20M (8.1%).
Bread Financial Holdings (BFH-PA) reports its revenue by product and service, by geography and by statement business segments. In fiscal 2019, Short-Term Loyalty Programs was its largest product and service line, bringing in $1.27B (75.6% of the total), followed by Coalition Loyalty Program at $580.20M (34.5%).
Short-Term Loyalty Programs was Bread Financial Holdings' largest product and service line in fiscal 2019, bringing in $1.27B, or 75.6% of the $1.68B total across its four product and service lines.
United States was Bread Financial Holdings' largest region in fiscal 2020, bringing in $7.51B, or 83.3% of the $9.02B total across its five regions.
Card Services was Bread Financial Holdings' largest segment in fiscal 2020, bringing in $7.51B, or 91.9% of the $8.18B total across its two segments.
Every figure comes from Bread Financial Holdings' annual financial filings, as reported. Each line keeps the name Bread Financial Holdings gives it, and years follow its fiscal calendar.
Bread Financial Holdings' revenue by product and service goes back to fiscal 2019, with figures through fiscal 2019. The latest four fiscal years are free to view, and the full history is available with a Business Quant subscription.