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Discontinued — last reported Q1 '26

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Other financials

Income statement

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Revenue$1.0B+4.9%
Gross profit$361.8M
Operating income$382.8M
Net income$181.0M+31.2%
EPS (diluted)$4.15+49.3%

Balance sheet

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Cash & equivalents$4.0B-6.6%
Total debt$85.0M-98.5%
Total equity$3.3B+8.4%
Total assets$22.3B-0.3%

Cash flow

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Operating cash flow$487.0M+23.9%
CapEx$15.0M-40.0%
Free cash flow$482.0M+55.5%

Valuation

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Market cap$4.14B+31.3%
P/E7.4×-3.9×
P/S1.1×+0.2×

Profitability

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Gross margin52%
Operating margin45.9%
Net margin14.4%+7.1pp
FCF margin46.5%+1.9pp

Returns & leverage

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Return on equity17.6%+8.4pp
Debt / equity-1.8×
Current ratio1.5×

Where this comes from

Calculated from Bread Financial Holdings’s reported figures.

The official record: Bread Financial Holdings’s 10-Q, filed April 28, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bread Financial Holdings's EBIT?
Bread Financial Holdings (BFH) reported EBIT of $436M in Q1 2026.
How has Bread Financial Holdings's EBIT changed year-over-year?
Bread Financial Holdings's EBIT increased by 3.3% year-over-year, from $422M to $436M.
What is the long-term trend for Bread Financial Holdings's EBIT?
Over 3 years (2021 to 2025), Bread Financial Holdings's EBIT has grown at a -0.9% compound annual growth rate (CAGR), from $1.51B to $1.47B.
What does EBIT mean?
Earnings before interest and taxes — the profit from the business before financing cost and tax. Uses reported operating income where a company reports it; otherwise pre-tax income plus interest expense. Lets companies be compared on earning power independent of capital structure.