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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:Liabilities.

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
Debt issued by consolidated variable interest entities2,4473,422
Long-term and other debt838886
Other liabilities1,0701,112
Total liabilities19,08719,336
Commitments and contingencies (Note 15)
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.

Item 1. Financial Statements (unaudited)

FAQ

What is Bread Financial Holdings's total liabilities?
Bread Financial Holdings (BFH) reported total liabilities of $19.09B in Q2 2026.
How has Bread Financial Holdings's total liabilities changed year-over-year?
Bread Financial Holdings's total liabilities increased by 2.3% year-over-year, from $18.66B to $19.09B.
What is the long-term trend for Bread Financial Holdings's total liabilities?
Over 5 years (2020 to 2025), Bread Financial Holdings's total liabilities has grown at a -1.7% compound annual growth rate (CAGR), from $21.03B to $19.34B.
What does total liabilities mean?
The sum of all current and non-current obligations — everything the company owes to creditors, employees, governments, and other stakeholders.

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