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Bread Financial Holdings BFH Long-term and other debt

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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:LongTermDebtAndOtherDebtNet.

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 long-term and other debt?
Bread Financial Holdings (BFH) reported long-term and other debt of $837M in Q1 2026.
How has Bread Financial Holdings's long-term and other debt changed year-over-year?
Bread Financial Holdings's long-term and other debt decreased by 34.9% year-over-year, from $1.29B to $837M.
What is the long-term trend for Bread Financial Holdings's long-term and other debt?
Over 4 years (2021 to 2025), Bread Financial Holdings's long-term and other debt has grown at a -18.3% compound annual growth rate (CAGR), from $1.99B to $886M.
What does long-term and other debt mean?
This captures the total principal amount of long-term debt obligations and other interest-bearing liabilities held by the company, excluding securitization-specific non-recourse debt. It reflects the company's corporate-level leverage and its reliance on external capital markets for funding operations and growth. Monitoring this metric helps investors evaluate the company's overall debt burden and interest expense obligations.