BFH FINANCIAL STATEMENTS

Bread Financial Holdings, Inc. — balance sheet, income statement and cash flow trends

BFHBread Financial Holdings, Inc.

🇺🇸 USA · NYSE · Financial Services · Credit Services

Value itDuel

Income Statement

Quarterly progression — trailing-twelve-month values
RevenueNet Income
02 B4 B202120222023202420252026

Profit Funnel

Q1 2026 · TTM
Revenue4.7 B $Gross Profit3 B $ · 64%Operating Income660 M $ · 14%Pre-tax Income660 M $ · 14%Net Income561 M $ · 12%

Percentages are relative to revenue.

Key Figures

YoY change
Revenue4.7 B $-0.8%
Gross Profit3 B $+23.4%
Operating Income660 M $+69.2%
EBITDA738 M $+54.4%
Net Income561 M $+100.4%

Peer Comparison· Credit Services

CompanyRev. GrowthGross MarginEBITDA MarginNet Margin
BFH———11.9%
ZIP———8.9%
KTLEV————
QNBFK————
DSTKF————
GSY———-15.8%
Industry median———10.0%

Balance Sheet

Quarterly period-end values
Total AssetsTotal LiabilitiesEquity
010 B20 B202120222023202420252026

Capital Structure

Q1 2026
Total Assets22.3 B
  • Equity3.3 B $15%
  • Current Liabilities14.1 B $63%
  • Long-term Liabilities4.9 B $22%

Key Figures

YoY change
Total Assets22.3 B $-0.3%
Total Liabilities19 B $-1.7%
Total Equity3.3 B $+8.4%
Cash & ST Investments3.6 B $-17.0%
Total Debt3.9 B $-23.0%
Net Debt304 M $-66.6%

Peer Comparison· Credit Services

CompanyCurrent RatioDebt/EquityNetDebt/EBITDAEquity/Assets
BFH0.26118.5%0.4114.9%
ZIP788.09383.4%11.1316.7%
KTLEV—0.0%——
QNBFK—0.0%——
DSTKF—0.0%——
GSY—599.1%5.4213.8%
Industry median1.20116.1%2.3916.4%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values
Operating Cash FlowCapital ExpendituresFree Cash Flow
01 B2 B202120222023202420252026

Cash Flow Bridge

Q1 2026 · TTM
01 B2 B2.2 B $Operating-1.7 B $Investing-720 M $Financing-279 M $Net Change

Key Figures

YoY change
Operating Cash Flow2.2 B $+21.1%
Capital Expenditures35 M $-25.5%
Free Cash Flow2.2 B $+19.5%
Dividends Paid44 M $+0.0%

Peer Comparison· Credit Services

CompanyCF MarginFCF MarginCapEx RatioCF/Net Income
BFH46.4%46.2%0.7%389.7%
ZIP-0.7%-0.8%0.1%-8.1%
KTLEV————
QNBFK————
DSTKF————
GSY26.0%-1.5%1.5%-165.1%
Industry median21.2%17.3%1.5%126.3%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.