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Bread Financial Holdings BFH Net Interest Income
Net Interest Income at other companies
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Where this comes from
Reported directly by Bread Financial Holdings in its filing.
Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.
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 item | Three Months Ended June 30, 2026 | Three Months Ended June 30, 2025 | Six Months Ended June 30, 2026 | Six Months Ended June 30, 2025 |
|---|---|---|---|---|
| Interest on deposits | 139 | 139 | 272 | 277 |
| Interest on borrowings | 56 | 81 | 116 | 167 |
| Total interest expense | 195 | 220 | 388 | 444 |
| Net interest income | 1,039 | 974 | 2,106 | 1,980 |
| Non-interest income | ||||
| Interchange revenue, net of retailer share arrangements | (110) | (95) | (216) | (178) |
| Other | 64 | 50 | 120 | 97 |
| Total non-interest income | (46) | (45) | (96) | (81) |
Item 1. Financial Statements (unaudited)
FAQ
- What is Bread Financial Holdings's net interest income?
- Bread Financial Holdings (BFH) reported net interest income of $1.04B in Q2 2026.
- How has Bread Financial Holdings's net interest income changed year-over-year?
- Bread Financial Holdings's net interest income increased by 6.7% year-over-year, from $974M to $1.04B.
- 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.
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