Bread Financial Holdings Income Statement (2009-2025) | BFH

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Income Statement Mar2009 Jun2009 Sep2009 Dec2009 Mar2010 Jun2010 Sep2010 Dec2010 Mar2011 Jun2011 Sep2011 Dec2011 Mar2012 Jun2012 Sep2012 Dec2012 Mar2013 Jun2013 Sep2013 Dec2013 Mar2014 Jun2014 Sep2014 Dec2014 Mar2015 Jun2015 Sep2015 Dec2015 Mar2016 Jun2016 Sep2016 Dec2016 Mar2017 Jun2017 Sep2017 Dec2017 Mar2018 Jun2018 Sep2018 Dec2018 Mar2019 Jun2019 Sep2019 Dec2019 Mar2020 Jun2020 Sep2020 Dec2020 Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025 Dec2025
Revenue & Cost
Provisions 88.00M94.70M89.56M115.56M67.67M60.38M70.70M101.58M49.33M52.55M81.25M102.35M66.65M57.80M90.98M130.34M70.58M96.65M114.58M143.39M134.90M155.30M171.70M206.30M171.90M227.80M251.30M289.50M315.10M288.10M204.70M332.20M337.70M311.90M196.80M169.70M252.10M257.30M297.30M381.20M655.90M250.10M207.70M152.30M33.00M-14.00M161.00M364.00M193.00M404.00M304.00M692.00M107.00M336.00M304.00M482.00M321.00M290.00M369.00M417.00M296.00M274.00M299.00M373.00M
Revenue 480.26M457.54M481.43M545.92M663.54M669.72M702.44M755.72M740.44M740.46M844.84M847.55M891.57M866.49M911.49M971.84M1,053.44M1,028.09M1,096.45M1,141.09M1,232.90M1,265.16M1,319.13M1,485.75M1,601.20M1,500.60M1,589.10M1,748.80M1,676.10M1,748.80M1,885.60M1,827.60M1,879.00M1,821.80M1,912.40M2,106.20M1,381.70M1,397.20M1,423.20M1,464.50M1,334.20M1,348.50M1,437.60M1,461.00M1,381.80M979.30M1,050.50M1,109.80M802.00M764.00M851.00M856.00M921.00M893.00M979.00M1,033.00M1,289.00M952.00M1,031.00M1,016.00M991.00M939.00M983.00M925.00M970.00M929.00M971.00M975.00M
Interest income
Interest income - Loans 941.00M913.00M992.00M1,016.00M1,066.00M1,064.00M1,195.00M1,290.00M1,289.00M1,153.00M1,256.00M1,264.00M1,247.00M1,174.00M1,224.00M1,175.00M1,185.00M1,148.00M1,198.00M1,208.00M
Interest Income - Debt Securities 6.64M47.00M67.00M70.00M41.00M57.00M57.00M54.00M60.00M56.00M47.00M56.00M58.00M58.00M49.00M136.00M58.00M43.00M57.00M43.00M104.00M
Interest Income - Total 2.70M2.90M2.90M3.10M3.00M3.10M3.20M4,817.70M3.20M3.10M3.30M3,942.40M3.50M3.40M994.00M1,017.00M1,068.00M1,073.00M1,218.00M1,325.00M1,335.00M1,197.00M1,301.00M1,313.00M1,300.00M1,228.00M1,277.00M1,218.00M1,231.00M1,194.00M1,242.00M1,246.00M
Interest expenses
Interest Expense - Deposits 47.00M43.00M39.00M37.00M34.00M41.00M66.00M101.00M117.00M127.00M143.00M154.00M155.00M152.00M153.00M147.00M138.00M139.00M139.00M137.00M
Interest Expense - Debt 60.00M57.00M52.00M48.00M45.00M54.00M67.00M94.00M101.00M78.00M76.00M84.00M93.00M89.00M87.00M84.00M87.00M81.00M71.00M62.00M
Interest Expenses 31.61M34.11M38.56M40.85M82.71M83.85M84.12M67.66M71.46M78.79M74.36M73.98M65.65M73.07M74.36M78.38M82.54M83.47M74.02M65.47M67.75M62.93M61.46M68.38M42.50M44.50M45.30M89.36M51.20M53.50M54.60M269.20M125.20M137.50M145.30M156.40M127.20M133.60M136.80M144.70M143.90M143.50M140.00M141.60M138.60M127.70M115.10M112.50M107.00M100.00M91.00M85.00M79.00M95.00M133.00M195.00M218.00M205.00M219.00M238.00M248.00M241.00M240.00M231.00M225.00M220.00M210.00M199.00M
Interest Income - Net -124.50M-130.70M-133.90M-141.60M-140.90M-140.40M-136.80M4,676.10M138.60M127.70M115.10M3,071.70M108.70M101.70M92.10M932.00M989.00M978.00M1,085.00M1,130.00M1,117.00M992.00M1,082.00M1,075.00M1,052.00M987.00M1,037.00M987.00M1,006.00M974.00M1,032.00M1,047.00M
Non-interest income
Mortgage Banking 93.22M98.72M115.49M
Other Non-Interest Income 24.76M25.84M25.38M16.71M-133.47M19.11M20.90M123.90M22.71M93.91M355.36M99.02M32.47M32.32M102.27M108.38M37.94M103.53M334.43M135.00M38.40M48.09M42.91M159.40M163.10M172.60M567.00M233.20M225.30M45.70M281.80M295.80M297.90M263.90M309.90M327.40M330.80M314.80M308.40M329.10M314.20M296.10M115.50M388.10M361.50M268.60M-841.20M198.00M34.00M151.00M606.00M28.00M17.00M223.00M311.00M353.00M34.00M304.00M-881.00M394.00M381.00M348.00M1,390.00M365.00M348.00M50.00M1,232.00M
Non-Interest Income 117.98M124.56M140.87M16.71M-133.47M19.11M20.90M123.90M22.71M93.91M355.36M99.02M32.47M32.32M102.27M108.38M37.94M103.53M334.43M135.00M38.40M48.09M42.91M159.40M163.10M172.60M567.00M233.20M225.30M45.70M281.80M295.80M297.90M263.90M309.90M327.40M330.80M314.80M308.40M329.10M314.20M296.10M115.50M388.10M361.50M268.60M-841.20M-33.00M-51.00M-52.00M-76.00M-68.00M-85.00M-106.00M-97.00M353.00M34.00M304.00M-881.00M394.00M381.00M348.00M1,390.00M365.00M348.00M50.00M1,232.00M
Operating Items
Amortization - Intangibles 14.25M15.81M15.77M17.26M17.84M20.71M19.02M18.64M19.17M22.93M21.98M21.11M20.91M22.99M28.07M33.29M33.13M33.08M32.33M48.56M48.32M48.26M58.26M88.00M87.20M86.90M88.00M88.60M88.50M84.10M83.80M80.10M80.30M77.60M-123.70M29.40M28.80M28.20M26.40M25.80M22.50M25.00M22.80M21.40M21.00M21.70M21.20M11.10M11.50M12.80M
Research & Development 51.00M55.00M54.00M55.00M56.00M61.00M75.00M82.00M75.00M75.00M73.00M79.00M74.00M73.00M73.00M80.00M81.00M77.00M72.00M78.00M
Wages, Salaries and Other 31.00M35.00M40.00M566.00M31.00M38.00M33.00M677.00M
Share-based Compensation (IS) 17.96M
Selling, General & Administrative 27.82M19.21M30.14M22.65M21.51M19.77M22.33M20.94M21.02M26.24M27.05M24.00M27.53M24.58M31.94M22.29M28.25M33.84M24.72M34.03M28.30M39.17M40.00M30.20M40.90M40.90M26.50M27.60M42.90M41.00M31.80M44.60M42.40M38.00M34.40M31.30M46.40M43.60M41.20M38.30M57.30M31.80M23.20M23.90M20.40M29.00M32.50M16.90M27.20M34.50M
Rent Expense 7.00M7.00M6.00M6.00M6.00M5.00M
Restructuring Costs 0.06M0.03M-0.95M7.90M-6.50M
Other Operating Expenses 350.64M357.68M357.71M392.21M505.34M487.83M512.67M592.76M507.59M527.65M590.92M639.19M614.95M598.41M622.44M723.17M739.92M730.66M773.83M866.62M917.08M954.32M958.32M1,233.25M1,246.40M1,174.00M1,260.70M1,358.30M1,304.20M1,385.30M1,423.60M1,616.20M1,482.00M1,428.00M1,395.50M1,609.00M978.10M954.10M899.80M914.80M931.10M953.90M1,101.60M1,128.80M1,200.40M784.20M730.50M818.60M327.10M334.80M336.50M373.00M364.00M406.00M406.00M467.00M469.00M455.00M429.00M437.00M408.00M396.00M501.00M455.00M396.00M404.00M404.00M477.00M
Operating Expenses 378.46M376.96M387.88M413.91M505.34M509.34M532.43M615.09M528.53M548.67M617.16M666.25M638.95M625.94M647.02M755.11M762.21M758.91M807.68M891.35M951.11M982.62M997.49M1,273.26M1,276.60M1,214.90M1,301.60M1,384.80M1,331.80M1,428.20M1,464.60M1,648.00M1,526.60M1,470.40M1,433.50M1,643.40M1,009.40M1,000.50M943.40M956.00M977.30M1,011.20M1,133.40M1,152.00M1,217.80M804.60M759.50M851.10M402.00M424.00M431.00M428.00M426.00M473.00M486.00M549.00M544.00M530.00M502.00M516.00M482.00M469.00M574.00M535.00M477.00M481.00M476.00M555.00M
Operating Income 101.79M80.58M93.55M132.01M158.20M160.38M170.01M140.63M211.91M191.79M227.68M181.30M252.62M240.54M264.47M216.73M291.23M269.18M288.77M249.74M281.79M282.54M321.64M212.49M324.60M285.70M287.50M364.00M344.30M320.60M421.00M179.60M352.40M351.40M478.90M462.80M372.30M396.70M479.80M508.50M356.90M337.30M304.20M309.00M164.00M174.70M291.00M258.70M503.10M473.30M382.80M-1140.30M464.00M370.00M449.00M428.00M706.00M382.00M493.00M454.00M481.00M437.00M371.00M342.00M458.00M414.00M457.00M376.00M
EBIT 101.79M80.58M93.55M132.01M158.20M160.38M170.01M140.63M211.91M191.79M227.68M181.30M252.62M240.54M264.47M216.73M291.23M269.18M288.77M249.74M281.79M282.54M321.64M212.49M324.60M285.70M287.50M364.00M344.30M320.60M421.00M179.60M352.40M351.40M478.90M462.80M372.30M396.70M479.80M508.50M356.90M337.30M304.20M309.00M164.00M174.70M291.00M258.70M503.10M473.30M382.80M-1140.30M464.00M370.00M449.00M428.00M706.00M382.00M493.00M454.00M481.00M437.00M371.00M342.00M458.00M414.00M457.00M376.00M
Non-operating items
Non Operating Investment Income 18.02M
Interest & Investment Income -62.93M-61.46M-68.36M-78.00M-80.70M-82.10M-89.40M-98.80M-103.70M-108.30M-117.70M-125.20M-137.50M-145.30M-156.40M-159.20M
Other Non Operating Income -71.90M-0.10M
Net income details
EBT 70.19M46.47M54.98M91.16M75.49M76.53M85.89M72.98M140.45M113.00M153.32M107.33M186.97M167.48M190.11M138.35M208.68M185.71M214.75M184.26M214.04M219.61M260.18M144.11M246.60M205.00M205.40M274.60M245.50M216.90M312.70M61.90M227.20M213.90M333.60M306.40M245.10M263.10M343.00M363.80M213.00M193.80M164.20M167.40M25.40M47.00M175.90M146.20M367.00M354.00M259.00M64.00M302.00M16.00M189.00M-208.00M638.00M86.00M225.00M18.00M188.00M180.00M40.00M-27.00M197.00M174.00M196.00M47.00M
Tax Provisions 27.23M18.09M9.67M31.19M28.84M29.21M32.83M24.37M54.07M43.97M59.34M41.42M71.74M63.66M70.56M54.69M79.70M69.27M81.88M66.39M78.30M80.42M95.23M67.86M81.70M75.00M75.00M94.50M86.60M76.20M105.20M51.40M80.80M76.20M100.40M35.00M65.20M39.30M54.30M110.70M34.80M51.40M42.60M37.00M-4.60M8.60M42.60M52.90M99.00M91.00M53.00M4.00M91.00M4.00M55.00M-74.00M183.00M22.00M52.00M-26.00M53.00M47.00M37.00M-34.00M55.00M35.00M8.00M-6.00M
Profit After Tax 42.95M28.39M45.32M59.97M46.65M47.32M53.06M48.60M86.38M69.02M93.98M-21.11M115.23M103.82M119.55M83.66M128.98M116.44M132.88M117.87M135.75M139.19M164.95M76.26M164.90M130.00M130.40M180.10M158.90M140.70M207.50M10.50M146.40M137.70M233.20M271.40M179.90M223.80M296.50M284.90M178.20M142.40M121.60M130.40M30.00M38.40M133.30M93.30M286.00M274.00M224.00M18.00M211.00M12.00M134.00M-134.00M455.00M64.00M173.00M44.00M135.00M133.00M3.00M7.00M142.00M139.00M188.00M53.00M
Equity Income -12.00M-21.00M-11.00M
Income from Non-Controlling Interests -1.65M1.75M0.71M9.04M2.30M-1.30M2.00M5.90M1.80M
Income from Continuing Operations 42.95M28.39M45.32M59.97M46.65M47.32M53.06M48.60M86.38M69.02M93.98M65.91M115.23M103.82M119.55M83.66M128.98M116.44M132.88M117.87M135.75M139.19M164.95M76.26M164.90M130.00M130.40M180.10M158.90M140.70M207.50M10.50M146.40M137.70M233.20M271.40M179.90M223.80M288.70M253.10M178.20M142.40M121.60M130.40M30.00M38.40M133.30M93.30M268.00M263.00M206.00M60.00M211.00M12.00M134.00M-134.00M455.00M64.00M173.00M44.00M135.00M133.00M3.00M7.00M142.00M139.00M188.00M53.00M
Consolidated Net Income -15.10M1.05M0.48M-19.32M46.65M47.32M53.06M-1.90M86.38M69.02M93.98M65.91M115.23M103.82M119.55M83.66M128.98M116.44M132.88M117.87M135.75M139.19M164.95M76.26M164.90M130.00M130.40M180.10M158.90M140.70M207.50M10.50M146.40M137.70M233.20M271.40M-16.00M-6.00M7.80M31.80M-29.10M-3.40M-229.20M-32.90M30.00M38.40M133.30M-81.30M18.00M11.00M18.00M-42.00M-1.00M-16.00M-2.00M-1.00M-1.00M-1.00M-4.00M1.00M
Income towards Parent Company -15.10M1.05M0.48M-19.32M46.65M47.32M53.06M-1.90M86.38M69.02M93.98M65.91M115.23M103.82M119.55M83.66M128.98M116.44M132.88M117.87M135.75M139.19M164.95M76.26M164.90M130.00M130.40M180.10M158.90M140.70M207.50M10.50M146.40M137.70M233.20M271.40M-16.00M-6.00M7.80M31.80M-29.10M-3.40M-229.20M-32.90M30.00M38.40M133.30M-81.30M18.00M11.00M18.00M-42.00M-1.00M-16.00M-2.00M-1.00M-1.00M-1.00M-4.00M1.00M
Net Income towards Common Stockholders -15.10M1.05M0.48M-19.32M46.65M47.32M53.06M46.70M86.38M69.02M93.98M65.91M115.23M103.82M119.55M83.66M128.98M116.44M132.88M117.87M137.40M137.44M164.24M67.21M162.60M131.30M128.40M174.20M157.10M140.70M207.50M10.50M146.40M137.70M233.20M271.40M163.90M223.80M296.50M270.70M149.10M139.00M-107.60M97.50M30.00M38.40M133.30M12.30M286.00M274.00M224.00M18.00M210.00M12.00M134.00M-16.00M-2.00M-1.00M-1.00M-1.00M-4.00M1.00M
Additional items
EPS (Basic) -0.03M0.520.87-0.350.890.891.010.891.691.351.861.312.302.072.391.682.592.372.732.402.592.542.840.872.342.122.092.362.361.243.560.182.602.484.214.913.254.055.415.283.362.722.472.730.630.812.790.265.765.504.500.344.230.252.69-2.699.101.283.470.942.742.690.060.152.892.974.041.27
EPS (Weighted Average and Diluted) -244.170.510.83-0.330.840.830.960.841.561.191.601.111.861.631.841.271.921.712.011.792.082.192.740.862.322.112.082.352.351.243.550.182.582.474.204.883.234.045.395.253.352.712.412.740.630.812.790.265.745.474.470.344.210.252.69-2.699.081.273.460.942.732.660.060.142.862.943.961.22
Shares Outstanding (Weighted Average) 460.0059.03M56.95M55.77M0.05M53.19M52.74M52.53M0.05M47.80M49.70M49.90M49.80M49.90M49.90M50.00M50.10M50.00M49.80M49.50M49.60M49.70M49.60M49.00M47.80M47.40M46.80M
Shares Outstanding (Diluted Average) 0.06M59.75M57.96M57.71M0.06M56.82M55.82M55.71M0.06M47.90M50.00M50.00M50.00M50.00M50.00M50.10M50.30M50.20M50.00M49.70M50.20M51.00M50.40M49.60M48.40M48.10M47.60M
EBITDA 101.79M80.58M93.55M132.01M158.20M160.38M170.01M140.63M211.91M191.79M227.68M181.30M252.62M240.54M264.47M216.73M291.23M269.18M288.77M249.74M281.79M282.54M321.64M212.49M473.60M431.90M497.30M507.10M492.60M471.70M565.70M565.80M500.70M498.60M621.50M597.40M525.00M563.10M662.40M715.20M356.90M337.30M304.20M309.00M164.00M174.70M291.00M258.70M503.10M473.30M382.80M-1140.30M464.00M370.00M449.00M428.00M706.00M382.00M493.00M454.00M481.00M437.00M371.00M342.00M458.00M414.00M457.00M376.00M
Tax Rate 38.80%38.92%17.58%34.22%38.20%38.17%38.22%33.40%38.50%38.92%38.70%38.59%38.37%38.01%37.12%39.53%38.19%37.30%38.13%36.03%36.58%36.62%36.60%47.09%33.13%36.59%36.51%34.41%35.27%35.13%33.64%83.04%35.56%35.62%30.10%11.42%26.60%14.94%15.83%30.43%16.34%26.52%25.94%22.10%-18.11%18.30%24.22%36.18%26.98%25.71%20.46%6.25%30.13%25.00%29.10%35.58%28.68%25.58%23.11%-144.44%28.19%26.11%92.50%125.93%27.92%20.11%4.08%-12.77%