How has Bread Financial Holdings's loans modified after 12 months changed year-over-year?

Bread Financial Holdings's loans modified after 12 months increased by 7.8% year-over-year, from $307M to $331M.

What is the long-term trend for Bread Financial Holdings's loans modified after 12 months?

Over 3 years (2022 to 2025), Bread Financial Holdings's loans modified after 12 months has grown at a 6.4% compound annual growth rate (CAGR), from $270M to $325M.

Bread Financial Holdings BFH Loans modified after 12 months

Loans modified after 12 months at other companies

U.S. BancorpUSB

$3.55B-1.2%

Affirm Holdings, Inc.AFRM

——

Huntington BancsharesHBAN

——

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 / equity0×-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:FinancingReceivableExcludingAccruedInterestModifiedPast12Months.

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 loans modified after 12 months?: Bread Financial Holdings (BFH) reported loans modified after 12 months of $331M in Q1 2026.
How has Bread Financial Holdings's loans modified after 12 months changed year-over-year?: Bread Financial Holdings's loans modified after 12 months increased by 7.8% year-over-year, from $307M to $331M.
What is the long-term trend for Bread Financial Holdings's loans modified after 12 months?: Over 3 years (2022 to 2025), Bread Financial Holdings's loans modified after 12 months has grown at a 6.4% compound annual growth rate (CAGR), from $270M to $325M.