What are Bread Financial Holdings's profit margins?

Gross margin is 52.0% and operating margin is 45.9%, with a 14.4% net margin.

Where does Bread Financial Holdings's income statement data come from?

Every line is extracted from Bread Financial Holdings's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

Bread Financial Holdings BFH Income Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Net interest income	$4.06B-0.1%	$4.06B-4.8%	$4.27B+2.0%	$4.18B+20.0%
Total interest income	$4.91B-2.2%	$5.02B-2.4%	$5.15B+9.9%	$4.68B+21.1%
Total revenue	$3.85B+0.2%	$3.84B-10.5%	$4.29B+12.1%	$3.83B+16.9%
Total interest expense (banking)	$553M-8.9%	$607M+12.2%	$541M+124%	$242M+45.8%
Selling and marketing	$151M+2.7%	$147M-8.7%	$161M-11.0%	$181M+13.8%
Depreciation and amortization	$80M-11.1%	$90M-22.4%	$116M+2.7%	$113M+22.8%
Provision for credit losses	$1.24B-11.1%	$1.4B+13.7%	$1.23B-22.8%	$1.59B+193%
Other operating expenses	$247M-17.9%	$301M+38.7%	$217M-4.8%	$228M+1.3%
Total noninterest expense	$1.99B-3.4%	$2.06B-1.5%	$2.09B+8.2%	$1.93B+14.8%
Interest expense	$854M-11.0%	$960M+9.1%	$880M+75.3%	$502M+31.1%
Interest income	$4.74B-1.7%	$4.82B-2.9%	$4.96B+7.5%	$4.62B+19.5%
Income before income taxes	$614M+50.5%	$408M-57.8%	$967M—	——
Income tax expense	$98M—	——	——	——
Net income	$519M+88.0%	$276M-61.5%	$717M—	——
Net margin	13.5%+6.3pp	7.2%-9.5pp	16.7%—	——
Income from continuing operations	$11.16+97.9%	$5.64-61.9%	$14.79—	——
Income from discontinued operations	-$0.08-60.0%	-$0.05+87.2%	-$0.39-3,800%	-$0.01—
Preferred stock dividends	——	——	——	——
Diluted earnings per share	$10.92+97.5%	$5.53-61.5%	$14.35—	——
Basic earnings per share	$11.10+98.6%	$5.59-61.2%	$14.40—	——
Weighted-average shares, diluted	191.9M-4.7%	201.3M+0.4%	200.5M+0.4%	199.8M0.0%
Weighted-average shares, basic	189M-4.7%	198.4M-0.7%	199.8M+0.2%	199.4M+0.3%
Continuing operations (in dollars per share)	$11.16+97.9%	$5.64-61.9%	$14.79—	——
Continuing operations (in dollars per share)	$10.97+96.6%	$5.58-62.2%	$14.75—	——
Card and processing expenses	$322M-0.9%	$325M-24.2%	$429M+19.5%	$359M+11.1%
Employee compensation and benefits	$881M-1.8%	$897M+3.5%	$867M+11.3%	$779M+16.1%
Income (Loss) from Continuing Operations, Net of Tax, Attributable to Parent	$522M+87.8%	$278M-62.2%	$736M—	——
Data processing and equipment	$308M+2.7%	$300M-0.7%	$302M+10.2%	$274M+27.4%
Interchange revenue, net of retailer share arrangements	-$416M-9.5%	-$380M-13.1%	-$336M+28.5%	-$470M-27.7%
Interest and Dividend Income, Operating	$4.91B-2.2%	$5.02B-2.4%	$5.15B+9.9%	$4.68B+21.1%
Interest and Fee Income, Loans and Leases	$4.74B-1.7%	$4.82B-2.9%	$4.96B+7.5%	$4.62B+19.5%
Interest And Noninterest Income Net Of Provision For Credit Losses	$2.6B+6.6%	$2.44B-20.2%	$3.06B+37.0%	$2.23B-18.2%
Interest Expense Borrowings	$301M-14.7%	$353M+4.1%	$339M+30.4%	$260M+19.8%
Interest Expense, Deposits	$553M-8.9%	$607M+12.2%	$541M+124%	$242M+45.8%
Interest Income (Expense), Operating	$4.06B-0.1%	$4.06B-4.8%	$4.27B+2.0%	$4.18B+20.0%
Interest on cash and investment securities	$174M-14.3%	$203M+10.3%	$184M+167%	$69M+1,050%
Marketing	$151M+2.7%	$147M-8.7%	$161M-11.0%	$181M+13.8%
Non-Interest Income (Loss)	-$214M+4.9%	-$225M—	——	-$356M-67.1%
Noninterest Expense	$1.99B-3.4%	$2.06B-1.5%	$2.09B+8.2%	$1.93B+14.8%
EBITDA	$1.55B+6.2%	$1.46B-25.7%	$1.96B—	——
EBITDA margin	40.3%+2.3pp	38%-7.8pp	45.8%—	——
EBIT	$1.47B+7.3%	$1.37B-25.9%	$1.85B—	——

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Questions, answered.

What are Bread Financial Holdings's profit margins?: Gross margin is 52.0% and operating margin is 45.9%, with a 14.4% net margin.
Where does Bread Financial Holdings's income statement data come from?: Every line is extracted from Bread Financial Holdings's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.