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Income Overview

Revenue
$993M
Net Income
$144M
Net Profit Margin
14.50%
EPS
$3.55
Unit: Million (M) dollars
Revenue Breakdown
    • Interest and fees on loans
    • Interest on deposits
    • Interest on borrowings
    • Others
Income Statement
2026-06-30
2026-03-31
2025-12-31
Total net interest and non-interest income
993
1,018
963*
Provision for credit losses
313
303
311*
Total net interest and non-interest income, after provision for credit losses
680
715
652*
Employee compensation and benefits
225
220
220*
Card and processing expenses
81
80
81*
Information processing and communication
80
76
77*
Marketing expenses
36
35
38*
Depreciation and amortization
19
19
20*
Other
42
42
62*
Total non-interest expenses
483
472
497*
Income from continuing operations before income taxes
197
243
155*
Provision for income taxes
51
62
24*
Income from continuing operations
146
181
131*
Loss from discontinued operations, net of income taxes
0
0
-1*
Net income
146
181
130
Dividends declared to preferred stockholders
2
2
-
Net income available to common stockholders
144
179
-
Basic EPS
3.62
4.19
2.767
Diluted EPS
3.55
4.15
2.721
Basic Average Shares
39,900,000
42,800,000
46,800,000
Diluted Average Shares
40,700,000
43,200,000
47,600,000
Unit: Million (M) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

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Income Statement

Interest and fees on loans$1,195M Interest on cash andinvestment securities$39M Total interest income$1,234M Net interest income$1,039M Total interestexpense$195M Payment protectionproducts$42M Paper statement fees$21M Other$1M Total net interest andnon-interest income$993M Total non-interestincome-$46M Other$64M Interest on deposits$139M Interest on borrowings$56M Total net interest andnon-interest income, after...$680M Provision for creditlosses$313M Interchange revenue, net ofretailer share...-$110M Income from continuingoperations before income...$197M Total non-interestexpenses$483M Income from continuingoperations$146M Provision for income taxes$51M Employee compensationand benefits$225M Card and processingexpenses$81M Information processing andcommunication$80M Other$42M Marketing expenses$36M Depreciation andamortization$19M Net income$146M Net incomeavailable to common...$144M Dividends declared topreferred stockholders$2M

BREAD FINANCIAL HOLDINGS, INC. (BFH-PA)

BREAD FINANCIAL HOLDINGS, INC. (BFH-PA)