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Bread Financial Holdings BFH Data processing and equipment

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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 us-gaap:InformationTechnologyAndDataProcessing.

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 data processing and equipment?
Bread Financial Holdings (BFH) reported data processing and equipment of $76M in Q1 2026.
How has Bread Financial Holdings's data processing and equipment changed year-over-year?
Bread Financial Holdings's data processing and equipment decreased by 6.2% year-over-year, from $81M to $76M.
What is the long-term trend for Bread Financial Holdings's data processing and equipment?
Over 4 years (2021 to 2025), Bread Financial Holdings's data processing and equipment has grown at a 9.4% compound annual growth rate (CAGR), from $215M to $308M.
What does data processing and equipment mean?
This metric represents the aggregate costs associated with maintaining the technological infrastructure, data processing systems, and communication networks required to support core business operations. It captures expenditures related to software licensing, hardware maintenance, and the digital platforms necessary for transaction processing and customer data management. Monitoring this expense helps investors assess the company's investment in digital transformation and the scalability of its operational technology stack.