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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:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest.

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 itemThree Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Depreciation and amortization19203742
Other425785101
Total non-interest expenses483481955958
Income from continuing operations before income taxes197174439371
Provision for income taxes513511191
Income from continuing operations146139328280
Loss from discontinued operations, net of income taxes (1)(4)
Net income146139328276

Item 1. Financial Statements (unaudited)

FAQ

What is Bread Financial Holdings's pre-tax income?
Bread Financial Holdings (BFH) reported pre-tax income of $197M in Q2 2026.
How has Bread Financial Holdings's pre-tax income changed year-over-year?
Bread Financial Holdings's pre-tax income increased by 13.2% year-over-year, from $174M to $197M.
What is the long-term trend for Bread Financial Holdings's pre-tax income?
Over 3 years (2021 to 2025), Bread Financial Holdings's pre-tax income has grown at a -16.6% compound annual growth rate (CAGR), from $1.06B to $614M.
What does pre-tax income mean?
Total income from all sources — operating income plus non-operating items like interest income, investment gains, and other income — before the provision for income taxes.

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