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Bread Financial Holdings BFH Accounts Receivable

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Other financials

Income statement

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Revenue$993.0M+6.9%
Gross profit$361.8M
Operating income$382.8M
Net income$146.0M+5.0%
EPS (diluted)$3.55+20.7%

Balance sheet

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Cash & equivalents$3.8B-1.5%
Total debt$85.0M-98.5%
Total equity$3.4B+6.3%
Total assets$22.5B+2.9%

Cash flow

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Operating cash flow$533.0M+1.3%
CapEx$15.0M-40.5%
Free cash flow$482.0M+55.6%

Valuation

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Market cap$4.44B+62.3%
P/E7.8×-1.8×
P/S1.1×+0.4×

Profitability

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Gross margin46.7%
Operating margin45.9%
Net margin14.4%+6.9pp
FCF margin46.5%+1.9pp

Returns & leverage

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Return on equity17.4%+8.4pp
Debt / equity-1.8×
Current ratio1.5×

Where this comes from

Reported directly by Bread Financial Holdings in its filing.

Tagged under the XBRL concept us-gaap:NotesReceivableGross.

The source filing: Bread Financial Holdings’s 10-Q, filed July 28, 2026.

Filed
Jul 27, 2026, 8:00 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001101215-26-000074
Line itemAging Analysis of Delinquent Amortized Cost Credit Card and Other Loans (1)Aging Analysis of Delinquent Amortized Cost Credit Card and Other Loans (1)Aging Analysis of Delinquent Amortized Cost Credit Card and Other Loans (1)Aging Analysis of Delinquent Amortized Cost Credit Card and Other Loans (1)Aging Analysis of Delinquent Amortized Cost Credit Card and Other Loans (1)
30 to 59 Days Past Due60 to 89 Days Past Due90 or more Days Past DueTotalTotalCurrentTotal
(Millions)
June 30, 2026$$$334$265$585$1,184$16,87318,057
December 31, 2025$$$359$282$676$1,317$17,07618,393

Item 1. Financial Statements (unaudited)

FAQ

What is Bread Financial Holdings's accounts receivable?
Bread Financial Holdings (BFH) reported accounts receivable of $18.06B in Q2 2026.
How has Bread Financial Holdings's accounts receivable changed year-over-year?
Bread Financial Holdings's accounts receivable increased by 4.6% year-over-year, from $17.27B to $18.06B.
What is the long-term trend for Bread Financial Holdings's accounts receivable?
Over 4 years (2020 to 2025), Bread Financial Holdings's accounts receivable has grown at a 163.1% compound annual growth rate (CAGR), from $383.8M to $18.39B.
What does accounts receivable mean?
Amounts owed by customers for goods delivered or services performed, net of allowances for doubtful accounts. A key working capital component.

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