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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:PaymentsForRepurchaseOfCommonStock.

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 itemSix Months Ended June 30, 2026Six Months Ended June 30, 2025
Net increase in deposits815258
Payment of deferred financing costs(1)(10)
Net proceeds from the issuance of preferred stock130
Repurchases of common stock(396)(150)
Dividends and dividend equivalent rights paid(25)(22)
Other(30)(19)
Net cash used in financing activities(534)(1,285)
Change in cash, cash equivalents and restricted cash131104

Item 1. Financial Statements (unaudited)

FAQ

What is Bread Financial Holdings's share buybacks?
Bread Financial Holdings (BFH) reported share buybacks of $243M in Q2 2026.
How has Bread Financial Holdings's share buybacks changed year-over-year?
Bread Financial Holdings's share buybacks increased by 417.0% year-over-year, from $47M to $243M.
What does share buybacks mean?
Cash used to buy back the company's own shares on the open market or through structured programs, reducing shares outstanding.

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