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Bread Financial Holdings BFH Amortization of deferred origination costs

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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 bfh:AmortizationOfDeferredOriginationCostsAndOtherCharges.

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 amortization of deferred origination costs?
Bread Financial Holdings (BFH) reported amortization of deferred origination costs of $18M in Q1 2026.
How has Bread Financial Holdings's amortization of deferred origination costs changed year-over-year?
Bread Financial Holdings's amortization of deferred origination costs decreased by 5.3% year-over-year, from $19M to $18M.
What is the long-term trend for Bread Financial Holdings's amortization of deferred origination costs?
Over 4 years (2021 to 2025), Bread Financial Holdings's amortization of deferred origination costs has grown at a 108.1% compound annual growth rate (CAGR), from -$4M to $75M.
What does amortization of deferred origination costs mean?
This represents the non-cash expense recognized over time related to the costs incurred to originate credit card accounts or loans. It reflects the systematic allocation of capitalized acquisition expenses over the expected life of the customer relationship. Investors monitor this to understand the underlying profitability of credit portfolios after accounting for initial customer acquisition investments.