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Income Statement
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Cash Flow
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Balance Sheet
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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
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Total net interest and non-interest income
993
1,018
997*
971
Provision for credit losses
313
303
383*
299
Total net interest and non-interest income, after provision for credit losses
680
715
614*
672
Employee compensation and benefits
225
220
230*
222
Card and processing expenses
81
80
79*
81
Information processing and communication
80
76
85*
72
Marketing expenses
36
35
42*
38
Depreciation and amortization
19
19
20*
20
Other
42
42
98*
43
Total non-interest expenses
483
472
553*
476
Income from continuing operations before income taxes
197
243
61*
196
Provision for income taxes
51
62
30*
8
Income from continuing operations
146
181
31*
188
Loss from discontinued operations, net of income taxes
0
0
-3*
0
Net income
146
181
28
188
Dividends declared to preferred stockholders
2
2
-
-
Net income available to common stockholders
144
179
-
-
Basic EPS
3.62
4.19
0.583
4.04
Diluted EPS
3.55
4.15
0.572
3.96
Basic Average Shares
39,900,000
42,800,000
47,200,000
46,500,000
Diluted Average Shares
40,700,000
43,200,000
48,100,000
47,500,000
Page 1
Unit: Million (M) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest and fees on loans
$1,195M
(4.09%↑ Y/Y)
Interest on cash and
investment securities
$39M
(-15.22%↓ Y/Y)
Total interest income
$1,234M
(3.35%↑ Y/Y)
Net interest income
$1,039M
(6.67%↑ Y/Y)
Total interest
expense
$195M
(-11.36%↓ Y/Y)
Payment protection
products
$42M
Paper statement fees
$21M
Other
$1M
(-98.25%↓ Y/Y)
Total net interest and
non-interest income
$993M
(6.89%↑ Y/Y)
Total non-interest
income
-$46M
(-2.22%↓ Y/Y)
Other
$64M
(36.17%↑ Y/Y)
Interest on deposits
$139M
(0.00%↑ Y/Y)
Interest on borrowings
$56M
(-30.86%↓ Y/Y)
Total net interest and
non-interest income, after...
$680M
(3.82%↑ Y/Y)
Provision for credit
losses
$313M
(14.23%↑ Y/Y)
Interchange revenue, net of
retailer share...
-$110M
(-15.79%↓ Y/Y)
Income from continuing
operations before income...
$197M
(13.22%↑ Y/Y)
Total non-interest
expenses
$483M
(0.42%↑ Y/Y)
Income from continuing
operations
$146M
(5.04%↑ Y/Y)
Provision for income taxes
$51M
(45.71%↑ Y/Y)
Employee compensation
and benefits
$225M
(6.13%↑ Y/Y)
Card and processing
expenses
$81M
(0.00%↑ Y/Y)
Information processing and
communication
$80M
(3.90%↑ Y/Y)
Other
$42M
(-26.32%↓ Y/Y)
Marketing expenses
$36M
(5.88%↑ Y/Y)
Depreciation and
amortization
$19M
(-5.00%↓ Y/Y)
Net income
$146M
(5.04%↑ Y/Y)
Net income
available to common...
$144M
Dividends declared to
preferred stockholders
$2M
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BREAD FINANCIAL HOLDINGS, INC. (BFH)
BREAD FINANCIAL HOLDINGS, INC. (BFH)