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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 / 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:RetainedEarningsAccumulatedDeficit.

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 itemJune 30, 2026December 31, 2025
Stockholders’ equity
Preferred stock, $0.01 par value; authorized, 210.0 thousand shares; issued and outstanding: 210.0 thousand shares as of June 30, 2026 and 75.0 thousand shares as of December 31, 2025
Common stock, $0.01 par value; authorized, 200.0 million shares; issued and outstanding: 38.7 million shares as of June 30, 2026 and 44.1 million shares as of December 31, 2025.
Additional paid-in capital1,6031,868
Retained earnings1,7791,475
Accumulated other comprehensive loss(17)(16)
Total stockholders’ equity3,3653,327
Total liabilities and stockholders’ equity$22,452$22,663

Item 1. Financial Statements (unaudited)

FAQ

What is Bread Financial Holdings's retained earnings?
Bread Financial Holdings (BFH) reported retained earnings of $1.78B in Q2 2026.
How has Bread Financial Holdings's retained earnings changed year-over-year?
Bread Financial Holdings's retained earnings increased by 41.8% year-over-year, from $1.26B to $1.78B.
What is the long-term trend for Bread Financial Holdings's retained earnings?
Over 5 years (2020 to 2025), Bread Financial Holdings's retained earnings has grown at a -21.1% compound annual growth rate (CAGR), from $4.83B to $1.48B.
What does retained earnings mean?
Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.

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