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Bread Financial Holdings BFH Total noninterest expense

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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:NoninterestExpense.

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
Marketing expenses36347168
Depreciation and amortization19203742
Other425785101
Total non-interest expenses483481955958
Income from continuing operations before income taxes197174439371
Provision for income taxes513511191
Income from continuing operations146139328280
Loss from discontinued operations, net of income taxes (1)(4)

Item 1. Financial Statements (unaudited)

FAQ

What is Bread Financial Holdings's total noninterest expense?
Bread Financial Holdings (BFH) reported total noninterest expense of $483M in Q2 2026.
How has Bread Financial Holdings's total noninterest expense changed year-over-year?
Bread Financial Holdings's total noninterest expense increased by 0.4% year-over-year, from $481M to $483M.
What is the long-term trend for Bread Financial Holdings's total noninterest expense?
Over 4 years (2021 to 2025), Bread Financial Holdings's total noninterest expense has grown at a 4.2% compound annual growth rate (CAGR), from $1.69B to $1.99B.
What does total noninterest expense mean?
This metric measures the total operating costs incurred by the company excluding interest-related expenses, encompassing items such as employee compensation, marketing, administrative overhead, and technology processing costs. It serves as a primary indicator of the company's operational efficiency and its ability to manage fixed and variable costs relative to its revenue generation. A stable or declining trend in this metric relative to net revenue often signals effective cost discipline and improved operating leverage.

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