BREAD FINANCIAL HOLDINGS, INC.
Financial highlights
| Metric | FY 12/31/25 | FY 12/31/24 | FY 12/31/23 | FY 12/31/22 | FY 12/31/21 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $3.8B | $3.8B | $4.3B | $3.8B | $3.3B |
| Interest expense | — | — | $879.0M | $503.0M | $383.0M |
| Pretax income | $615.0M | $381.0M | $968.0M | $300.0M | $1.0B |
| Income tax expense | $94.0M | $102.0M | $231.0M | $76.0M | $247.0M |
| Net income | $518.0M | $277.0M | $718.0M | $223.0M | $801.0M |
| Balance Sheet | |||||
| Cash and equivalents | $3.6B | $3.7B | $3.6B | $3.9B | $3.0B |
| Total assets | $22.7B | $22.9B | $23.1B | $25.4B | $21.7B |
| Total liabilities | $19.3B | $19.8B | $20.2B | $23.1B | $19.7B |
| Stockholders' equity | $3.3B | $3.1B | $2.9B | $2.3B | $2.1B |
| Cash Flow Statement | |||||
| Cash from operations | $2.1B | $1.9B | $2.0B | $1.8B | $1.5B |
| Depreciation and amortization | $80.0M | $90.0M | $116.0M | $113.0M | $123.0M |
| Stock-based compensation | $56.0M | $54.0M | $44.0M | $33.0M | $29.0M |
| Capital expenditure | — | — | — | $68.0M | $84.0M |
| Free cash flow | — | — | — | $1.8B | $1.5B |
| Dividends paid | $40.0M | $43.0M | $42.0M | $43.0M | $42.0M |
| Share repurchases | $313.0M | $55.0M | $35.0M | $12.0M | $0 |
| Impairments | $0 | $0 | $0 | $0 | $0 |
Shares outstanding 40.4M · Free float 86.5%
Annual filing data through FY ended December 31, 2025; float as of July 12, 2026.