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Bread Financial Holdings BFH Employee compensation and benefits

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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 bfh:EmployeeCompensationAndBenefits.

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
Provision for credit losses313274616570
Total net interest and non-interest income, after provision for credit losses6806551,3941,329
Non-interest expenses
Employee compensation and benefits225212445426
Card and processing expenses8181161163
Information processing and communication8077156158
Marketing expenses36347168
Depreciation and amortization19203742

Item 1. Financial Statements (unaudited)

FAQ

What is Bread Financial Holdings's employee compensation and benefits?
Bread Financial Holdings (BFH) reported employee compensation and benefits of $225M in Q2 2026.
How has Bread Financial Holdings's employee compensation and benefits changed year-over-year?
Bread Financial Holdings's employee compensation and benefits increased by 6.1% year-over-year, from $212M to $225M.
What is the long-term trend for Bread Financial Holdings's employee compensation and benefits?
Over 4 years (2021 to 2025), Bread Financial Holdings's employee compensation and benefits has grown at a 7.0% compound annual growth rate (CAGR), from $671M to $881M.
What does employee compensation and benefits mean?
This represents the total cost of salaries, bonuses, and benefits for the company's workforce. It is a primary component of operating expenses and reflects the company's investment in human capital. Monitoring this helps assess the company's operational efficiency and cost structure relative to its revenue generation.

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