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Friday 6 November 2026
Export BFH’s income statement to Excel — free account
Bread Financial Holdings, Inc.
Bread Financial Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.7 billion, down 1.90% from fiscal 2024.
- Revenue
- +2.96%
- EPS
- −1.26%
- Free cash flow
- +0.17%
- Total debt
- −17.2%
Quarter to September 2026, against a year earlier
103.14
1.69
−1.61%
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Bread Financial Holdings, Inc. (BFH) EBITDA
Bread Financial Holdings, Inc.'s EBITDA for fiscal 2025 was $3.8B, unchanged from fiscal 2024. Over the twelve months to 30 September 2026 it was $3.8B. Over the past ten years it has ranged from $1.8B (fiscal 2015) to $4.3B (fiscal 2023); the current reading is higher than 73% of that period. Bread Financial Holdings, Inc. ranks 4th of 37 Credit Services companies by EBITDA.
EBITDA, annual
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Annual newest first
| Period | EBITDA | Change |
|---|---|---|
| FY2025 | $3.8B | (2.77%) |
| FY2024 | $3.9B | (9.18%) |
| FY2023 | $4.3B | 22.36% |
| FY2022 | $3.5B | 17.53% |
| FY2021 | $3.0B | (8.41%) |
| FY2020 | $3.2B | (23.01%) |
| FY2019 | $4.2B | 83.21% |
| FY2018 | $2.3B | 11.28% |
| FY2017 | $2.1B | 13.64% |
| FY2016 | $1.8B | 1.50% |
Quarterly newest first
| Period | EBITDA | Change |
|---|---|---|
| Sep 2026 | $976.0M | 2.95% |
| Jun 2026 | $948.0M | (3.07%) |
| Mar 2026 | $978.0M | 6.07% |
| Dec 2025 | $922.0M | (2.23%) |
| 43 more quarters | Free account |
Against its own ten years
Low $1.8B
High $4.3B
Ten-year median
$3.2B
Current reading's percentile
73
EBITDA against peers
| Company | EBITDA |
|---|---|
| BFH Bread Financial Holdings, Inc. | $3.8B |
| CACC Credit Acceptance Corporation compare | $955.6M |
| ENVA Enova International, Inc. compare | $932.7M |
| SEZL Sezzle Inc. compare | $217.0M |
| UPST Upstart Holdings, Inc. compare | $61.5M |
| SLM SLM Corporation compare | — |
| OMF OneMain Holdings, Inc. compare | — |
| AGM Federal Agricultural Mortgage Corporation compare | — |
| NNI Nelnet, Inc. compare | — |
What EBITDA is
EBITDA shows what a company earns from its operations before interest, taxes and the non-cash charges for depreciation and amortization.
Reported line item
More on BFH
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement