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Bread Financial Holdings BFH Net Interest Income

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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

Reported directly by Bread Financial Holdings in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

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 net interest income?
Bread Financial Holdings (BFH) reported net interest income of $1.07B in Q1 2026.
How has Bread Financial Holdings's net interest income changed year-over-year?
Bread Financial Holdings's net interest income increased by 6.1% year-over-year, from $1.01B to $1.07B.
What is the long-term trend for Bread Financial Holdings's net interest income?
Over 4 years (2021 to 2025), Bread Financial Holdings's net interest income has grown at a 3.9% compound annual growth rate (CAGR), from $3.49B to $4.06B.
What does net interest income mean?
Net interest income is the difference between the interest earned on loans and investments and the interest paid on deposits and borrowings. It serves as the primary driver of profitability for a credit-focused financial institution. A strong net interest income indicates effective management of the spread between lending rates and funding costs.