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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

Show the time plot by selecting a row from the table.

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)