Bread Financial Holdings, Inc. (ADS) — Financial statements
Income statement, balance sheet, and cash flow for Bread Financial Holdings, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 4,912↑2.4% | 4,798↓7.3% | 5,174↑18.3% | 4,373↑19.6% | 3,655 | |
| Cost of Revenue | 0.00↓100.0% | 2,357↑11.8% | 2,108↑0.5% | 2,097↑31.6% | 1,593 | |
| Gross Profit | 0.00↓100.0% | 2,441↓20.4% | 3,066↑34.7% | 2,276↑10.4% | 2,062 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 0.00↓100.0% | 897↑3.5% | 867↑11.3% | 779↑472.8% | 136 | |
| Selling & Marketing Expenses | 150↑2.0% | 147↓8.7% | 161↓10.6% | 180↑12.5% | 160 | |
| SG&A Expenses | 150↓85.6% | 1,044↑1.6% | 1,028↑7.2% | 959↑224.0% | 296 | |
| Other Expenses | 0.00↓100.0% | 1,016↓5.0% | 1,070↑5.2% | 1,017↑40.9% | 722 | |
| Operating Expenses | 150↓92.7% | 2,060↓1.8% | 2,098↑6.2% | 1,976↑94.1% | 1,018 | |
| Total Costs & Expenses | 0.00↓100.0% | 4,417↑5.0% | 4,206↑3.3% | 4,073↑56.0% | 2,611 | |
| Operating Results | ||||||
| Operating Income | 521↑36.7% | 381↓60.6% | 968↑222.7% | 300↓71.4% | 1,048 | |
| Depreciation & Amortization | 80↓11.1% | 90↓22.4% | 116↑2.7% | 113↓8.1% | 123 | |
| EBITDA | 1,546↑228.2% | 471↓56.5% | 1,084↑162.5% | 413↓64.7% | 1,171 | |
| EBIT | 0.00↓100.0% | 381↓60.6% | 968↑222.7% | 300↓71.4% | 1,048 | |
| Interest & Other Income | ||||||
| Net Interest Income | 0.00↓100.0% | 4,064↓4.7% | 4,266↑2.0% | 4,181↑104625.0% | -4 | |
| Interest Income | 0.00↓100.0% | 5,024↓2.4% | 5,145↑9.8% | 4,684 | 0.00 | |
| Interest Expense | 854↓11.0% | 960↑9.2% | 879↑74.8% | 503↑12475.0% | 4 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 94 | 0.00 | 0.00 | 0.00↑100.0% | -4 | |
| Income Before Tax | 615↑61.4% | 381↓60.6% | 968↑222.7% | 300↓71.3% | 1,044 | |
| Income Tax Expense | 94↓7.8% | 102↓55.8% | 231↑203.9% | 76↓69.2% | 247 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 518↑85.7% | 279↓62.1% | 737↑229.0% | 224↓71.9% | 797 | |
| Net Income from Discontinued Operations | 0.00↑100.0% | -2↑89.5% | -19↓1800.0% | -1 | 0.00 | |
| Net Income | 518↑87.0% | 277↓61.4% | 718↑222.0% | 223↓72.0% | 797 | |
| Bottom-Line Net Income | 518↑87.0% | 277↓61.4% | 718↑222.0% | 223↓72.0% | 797 | |
| EPS (Basic) | 11.07↑98.4% | 5.58↓61.3% | 14.42↑222.6% | 4.47↓73.2% | 16.67 | |
| EPS (Diluted) | 10.89↑98.0% | 5.50↓61.7% | 14.36↑222.0% | 4.46↓73.2% | 16.64 | |
| Weighted Average Shares | 47↓5.6% | 50↓0.4% | 50↓0.2% | 50↑4.4% | 48 | |
| Weighted Average Diluted Shares | 48↓5.6% | 50↑0.8% | 50↑0.0% | 50↑4.4% | 48 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.