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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:InterestAndFeeIncomeLoansAndLeases.

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
(Millions, except per share amounts)
Interest income
Interest and fees on loans$1,195$1,148$2,419$2,333
Interest on cash and investment securities39467591
Total interest income1,2341,1942,4942,424
Interest expense
Interest on deposits139139272277
Interest on borrowings5681116167

Item 1. Financial Statements (unaudited)

FAQ

What is Bread Financial Holdings's interest income?
Bread Financial Holdings (BFH) reported interest income of $1.2B in Q2 2026.
How has Bread Financial Holdings's interest income changed year-over-year?
Bread Financial Holdings's interest income increased by 4.1% year-over-year, from $1.15B to $1.2B.
What is the long-term trend for Bread Financial Holdings's interest income?
Over 4 years (2021 to 2025), Bread Financial Holdings's interest income has grown at a 5.2% compound annual growth rate (CAGR), from $3.86B to $4.74B.
What does interest income mean?
Income earned from interest-bearing assets including cash deposits, money market funds, treasury securities, corporate bonds, and customer financing receivables.

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