Short-Term Loyalty Programs was the largest of Bread Financial Holdings, Inc.’s 4 reported lines in fiscal 2019, at $1.27B — 76% of $1.68B.
| 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 |
In fiscal 2019, which ended December 31, 2019, the 4 revenue lines Bread Financial Holdings, Inc. reported in this breakdown added up to $1.68B. Short-Term Loyalty Programs was the largest revenue line, at $1.27B or 75.6% of the total, followed by Coalition Loyalty Program ($580.20M, 34.5%) and Other ($190.60M, 11.3%). Together, the two largest revenue lines made up 110.2% of this total.
Figures are shown as reported, so the total is net of Servicing Fees, Net, which was -$361.40M in fiscal 2019. This breakdown covers every fiscal year from 2019 to 2019, as reported in Bread Financial Holdings, Inc.'s annual filings.
United States was the largest of Bread Financial Holdings, Inc.’s 5 reported lines in fiscal 2020, at $7.51B — 83% of $9.02B.
| 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 |
In fiscal 2020, which ended December 31, 2020, the 5 regions Bread Financial Holdings, Inc. reported in this breakdown added up to $9.02B. The regions reported changed from fiscal 2019, so the total is not directly comparable with the $1.68B reported that year. United States was the largest region, at $7.51B or 83.3% of the total, followed by Europe, Middle East & Africa ($665.20M, 7.4%) and Canada ($573.80M, 6.4%). Together, the two largest regions made up 90.7% of this total.
Compared with fiscal 2019, United States grew the fastest, rising 9,175.6% to $7.51B. Europe, Middle East & Africa fell the most, down 25.9% to $665.20M. Because regions were added or dropped between the two years, part of this reflects how Bread Financial Holdings, Inc. regrouped its reporting. Over fiscal 2018 to 2020, revenue across these regions went 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% over the same years.
The table also keeps 3 regions that Bread Financial Holdings, Inc. no longer reports, so earlier years can still be read on their original basis; use "Show 3 discontinued" beneath the table to see them. This breakdown covers 11 fiscal years between 2009 and 2020, as reported in Bread Financial Holdings, Inc.'s annual filings.
Card Services was the largest of Bread Financial Holdings, Inc.’s 2 reported lines in fiscal 2020, at $7.51B — 92% of $8.18B.
| 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 |
In fiscal 2020, which ended December 31, 2020, the 2 segments Bread Financial Holdings, Inc. reported in this breakdown added up to $8.18B. That is less than the $9.02B in its breakdown by region, so these segments do not account for all of its revenue that year. Card Services was the largest segment, at $7.51B or 91.9% of the total, followed by Loyaltyone ($665.20M, 8.1%).
The table also keeps 4 segments that Bread Financial Holdings, Inc. no longer reports, so earlier years can still be read on their original basis; use "Show 4 discontinued" beneath the table to see them. This breakdown covers 11 fiscal years between 2009 and 2020, as reported in Bread Financial Holdings, Inc.'s annual filings.
Bread Financial Holdings, Inc. (BFH) breaks its revenue down by revenue line, region and segment. In fiscal 2019, its largest revenue line was Short-Term Loyalty Programs, with $1.27B or 75.6% of the total, followed by Coalition Loyalty Program at $580.20M (34.5%).
Short-Term Loyalty Programs was Bread Financial Holdings, Inc.'s largest revenue line in fiscal 2019, with $1.27B in revenue, 75.6% of the $1.68B reported across its 4 revenue lines.
United States was Bread Financial Holdings, Inc.'s largest region in fiscal 2020, with $7.51B in revenue, 83.3% of the $9.02B reported across its 5 regions.
Card Services was Bread Financial Holdings, Inc.'s largest segment in fiscal 2020, with $7.51B in revenue, 91.9% of the $8.18B reported across its 2 segments.
Every figure is taken from Bread Financial Holdings, Inc.'s annual financial filings and shown as reported: each line keeps the name the company gives it, years follow its own fiscal calendar, and lines it has stopped reporting stay in the table for the years they were reported.
The breakdown by revenue line covers fiscal 2019 to 2019. The latest four fiscal years are free to view, and the full history is available with a Business Quant subscription.