Historical As Reported was Bread Financial Holdings’s largest revenue line in fiscal 2019, bringing in $5.58B of $4.05B (138%).
| Revision of Prior Period | FY 2019 |
|---|---|
| Historical As Reported | $5.58B |
| Adjustments For Bank Holding Company Presentation | -$499.00M |
| Adjustments For Discontinued Operations | -$1.03B |
| Total | $4.05B |
Bread Financial Holdings brought in $4.05B from its three revenue lines in fiscal 2019, the year ended December 31, 2019. Historical As Reported was the largest at $5.58B (137.8%).
The total is net of Adjustments For Bank Holding Company Presentation, which took $499.00M off revenue in fiscal 2019.
Card Services was Bread Financial Holdings’s largest segment in fiscal 2020, bringing in $3.76B of $4.52B (83%).
| Segment | FY 2009 | FY 2010 | FY 2011 | FY 2012 | FY 2013 | FY 2014 | FY 2015 | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Card Services | $4.17B | $4.60B | $4.55B | $3.76B | ||||||||
| Private Label Services & Credit | — | — | — | — | ||||||||
| Epsilon | — | — | — | — | ||||||||
| Loyaltyone | $1.30B | $1.07B | $1.03B | $764.80M | ||||||||
| Loyalty One | — | — | — | — | ||||||||
| Unallocated Amount To | — | — | — | — | ||||||||
| Corporate/Other | $600.00K | $600.00K | $400.00K | $100.00K | ||||||||
| Corporate Non | — | — | — | — | ||||||||
| Eliminations | — | — | — | — | ||||||||
| Intersegment Elimination | — | — | — | — | ||||||||
| Total | $5.47B | $5.67B | $5.58B | $4.52B |
Bread Financial Holdings brought in $4.52B from its three segments in fiscal 2020, the year ended December 31, 2020. That was down 19.0% from $5.58B in fiscal 2019. Card Services was the largest at $3.76B (83.1%), ahead of Loyaltyone at $764.80M (16.9%) and Corporate/Other at $100.00K (0.0%).
Compared with fiscal 2019, Card Services fell 17.4% to $3.76B and Loyaltyone fell 26.0% to $764.80M. From fiscal 2017 to 2020, combined revenue from these segments fell from $5.47B to $4.52B, a compound annual decline of 6.2%. Card Services' share of the total rose from 76.2% to 83.1%.
United States was Bread Financial Holdings’s largest region in fiscal 2020, bringing in $3.77B of $4.52B (83%).
| Geography | FY 2009 | FY 2010 | FY 2011 | FY 2012 | FY 2013 | FY 2014 | FY 2015 | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| United States | $4.19B | $4.62B | $4.59B | $3.77B | ||||||||
| Us | — | — | — | — | ||||||||
| Canada | $726.60M | $411.30M | $352.20M | $286.90M | ||||||||
| Ca | — | — | — | — | ||||||||
| Europe, Middle East & Africa | $411.40M | $463.20M | $449.10M | $332.60M | ||||||||
| Emea | — | — | — | — | ||||||||
| Asia Pacific | $129.20M | $122.00M | $121.70M | $80.50M | ||||||||
| Foreign | — | — | — | — | ||||||||
| Segment Geographical Groups Of Countries Group One | — | — | — | — | ||||||||
| Other | $15.00M | $48.80M | $70.00M | $53.70M | ||||||||
| Corporate/Other | — | $600.00K | $400.00K | $100.00K | ||||||||
| Total | $5.47B | $5.67B | $5.58B | $4.52B |
Bread Financial Holdings brought in $4.52B from its six regions in fiscal 2020, the year ended December 31, 2020. That was down 19.0% from $5.58B in fiscal 2019. United States was the largest at $3.77B (83.3%), ahead of Europe, Middle East & Africa at $332.60M (7.4%) and Canada at $286.90M (6.3%). The other three regions brought in $134.30M combined.
Compared with fiscal 2019, every region above 2% of revenue shrank. United States held up best, down 17.9% to $3.77B, and Europe, Middle East & Africa fell the most, down 25.9% to $332.60M.
Bread Financial Holdings began breaking out Corporate/Other in fiscal 2018, when it brought in $600.00K.
Bread Financial Holdings (BFH) reports its revenue by revision of prior period, by segment and by geography. In fiscal 2019, Historical As Reported was its largest revenue line, bringing in $5.58B (137.8% of the total).
Historical As Reported was Bread Financial Holdings' largest revenue line in fiscal 2019, bringing in $5.58B, or 137.8% of the $4.05B total across its three revenue lines.
Card Services was Bread Financial Holdings' largest segment in fiscal 2020, bringing in $3.76B, or 83.1% of the $4.52B total across its three segments.
United States was Bread Financial Holdings' largest region in fiscal 2020, bringing in $3.77B, or 83.3% of the $4.52B total across its six regions.
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 revision of prior period 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.