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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:InterestExpenseOperating.

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
Interest expense
Interest on deposits139139272277
Interest on borrowings5681116167
Total interest expense195220388444
Net interest income1,0399742,1061,980
Non-interest income
Interchange revenue, net of retailer share arrangements(110)(95)(216)(178)
Other645012097

Item 1. Financial Statements (unaudited)

FAQ

What is Bread Financial Holdings's interest expense?
Bread Financial Holdings (BFH) reported interest expense of $195M in Q2 2026.
How has Bread Financial Holdings's interest expense changed year-over-year?
Bread Financial Holdings's interest expense decreased by 11.4% year-over-year, from $220M to $195M.
What is the long-term trend for Bread Financial Holdings's interest expense?
Over 4 years (2021 to 2025), Bread Financial Holdings's interest expense has grown at a 22.2% compound annual growth rate (CAGR), from $383M to $854M.
What does interest expense mean?
Cost of borrowing — interest paid or accrued on bonds, bank loans, credit facilities, finance leases, and other debt obligations.

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