Question 1

What is Bread Financial Holdings's card and processing expenses?

Accepted Answer

Bread Financial Holdings (BFH) reported card and processing expenses of $81M in Q2 2026.

Question 2

How has Bread Financial Holdings's card and processing expenses changed year-over-year?

Accepted Answer

Bread Financial Holdings's card and processing expenses decreased by 0.0% year-over-year, from $81M to $81M.

Question 3

What is the long-term trend for Bread Financial Holdings's card and processing expenses?

Accepted Answer

Over 4 years (2021 to 2025), Bread Financial Holdings's card and processing expenses has grown at a -0.1% compound annual growth rate (CAGR), from $323M to $322M.

Question 4

What does card and processing expenses mean?

Accepted Answer

This metric includes the costs associated with card issuance, transaction processing, and network fees required to maintain credit card operations. It is a direct variable cost linked to the volume of card activity and the scale of the portfolio. Managing these expenses is critical for maintaining healthy operating margins in the credit card business.

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
Total net interest and non-interest income, after provision for credit losses	680	655	1,394	1,329
Non-interest expenses
Employee compensation and benefits	225	212	445	426
Card and processing expenses	81	81	161	163
Information processing and communication	80	77	156	158
Marketing expenses	36	34	71	68
Depreciation and amortization	19	20	37	42
Other	42	57	85	101

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Bread Financial Holdings BFH Card and processing expenses