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Bread Financial Holdings BFH Interest And Noninterest Income Net Of Provision For Credit Losses

Interest And Noninterest Income Net Of Provision For Credit Losses at other companies

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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:InterestAndNoninterestIncomeNetOfProvisionForCreditLosses.

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 interest and noninterest income net of provision for credit losses?
Bread Financial Holdings (BFH) reported interest and noninterest income net of provision for credit losses of $715M in Q1 2026.
How has Bread Financial Holdings's interest and noninterest income net of provision for credit losses changed year-over-year?
Bread Financial Holdings's interest and noninterest income net of provision for credit losses increased by 6.1% year-over-year, from $674M to $715M.
What is the long-term trend for Bread Financial Holdings's interest and noninterest income net of provision for credit losses?
Over 4 years (2021 to 2025), Bread Financial Holdings's interest and noninterest income net of provision for credit losses has grown at a -1.2% compound annual growth rate (CAGR), from $2.73B to $2.6B.
What does interest and noninterest income net of provision for credit losses mean?
This metric represents the total revenue generated from all sources after accounting for the estimated losses from uncollectible loans. It serves as a comprehensive measure of the company's core operating performance after credit risk is factored in. This is a key indicator of the underlying quality and profitability of the loan book.