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Bread Financial Holdings BFH Provision for Credit Losses

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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 / 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:ProvisionForLoanLeaseAndOtherLosses.

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
Other645012097
Total non-interest income(46)(45)(96)(81)
Total net interest and non-interest income9939292,0101,899
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

Item 1. Financial Statements (unaudited)

FAQ

What is Bread Financial Holdings's provision for credit losses?
Bread Financial Holdings (BFH) reported provision for credit losses of $313M in Q2 2026.
How has Bread Financial Holdings's provision for credit losses changed year-over-year?
Bread Financial Holdings's provision for credit losses increased by 14.2% year-over-year, from $274M to $313M.
What is the long-term trend for Bread Financial Holdings's provision for credit losses?
Over 4 years (2021 to 2025), Bread Financial Holdings's provision for credit losses has grown at a 22.9% compound annual growth rate (CAGR), from $544M to $1.24B.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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