Bread Financial (BFH) reported $3.8B in revenue for fiscal 2025, +0.2% year on year. That ranks #950 by revenue among 2853 SEC filers and #113 in Financials. Net income was $518M, a net margin of 13.5%. Revenue has grown 1.4% a year on average since 2011 ($3.2B then). The fiscal 2025 balance sheet shows $22.7B in total assets, $3.6B in cash and $4.3B in long-term debt.
Key figures
| Key figures | FY2025 | YoY | Source |
|---|---|---|---|
| RevenueRevenuesNetOfInterestExpense | $3.8B | +0.2% | FY20252025-12-31 |
| Gross profit | Not reported | — | |
| Operating incomeIncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest | $615M | +61.4% | FY20252025-12-31 |
| Net incomeNetIncomeLoss | $518M | +87.0% | FY20252025-12-31 |
| Operating cash flowNetCashProvidedByUsedInOperatingActivities | $2.1B | +12.5% | FY20252025-12-31 |
| Capital expenditurePaymentsToAcquireProductiveAssets | $68.0M | −19.0% | FY20222022-12-31 |
| Total assetsAssets | $22.7B | −1.0% | FY20252025-12-31 |
| Shareholders' equityStockholdersEquity | $3.3B | +9.0% | FY20252025-12-31 |
| CashCashAndCashEquivalentsAtCarryingValue | $3.6B | −2.0% | FY20252025-12-31 |
| Long-term debtLongTermDebt | $4.3B | −22.5% | FY20252025-12-31 |
Revenue is total net sales for the fiscal year, taken from each company's own annual filing.
Reported since the last full year
Three-month figures this company has filed since FY2025. A quarter is not comparable with a full year, and these figures are used nowhere else on the site: not in any ranking, not in comparisons, not in the download.
| Quarter | Revenue | Net income | Source |
|---|---|---|---|
| Q1 20262026-03-31 | $1.0B | $181M | Open → |
| Q2 20262026-06-30 | $993M | $146M | Open → |
Only periods that end on a calendar quarter appear here. A company whose fiscal year ends in June files on a different calendar, so it has no row.
Where this sits in its sector
Each bar is the spread of the whole sector: the box covers the middle half of companies, the line inside it the median, and the triangle this company. The axis is clipped at the 5th and 95th percentile so a single outlier does not flatten it.
| Where this sits in its sector | FY2025 | Position in sector |
|---|---|---|
| Net marginRank 97 of 191 companies compared | 13.5% | |
| Operating marginRank 97 of 174 companies compared | 16.0% | |
| Cash as share of revenueRank 33 of 186 companies compared | 93.7% |
All four are ratios derived from two reported lines, not single filing items. Peer group: companies in the same sector with revenue of $1bn or more; loss-making companies are included.
Profile
- Legal name
- Bread Financial Holdings, Inc.
- Ticker
- BFH
- Exchange
- NYSE
- SIC classification
- Personal Credit Institutions (6141)
- Fiscal year end
- 12-31
- CIK
- 0001101215
Filings
- 10-QJul 28, 2026Open filing →
- 10-QApr 28, 2026Open filing →
- 10-KFeb 13, 2026Open filing →
Similar in size, same sector
| Company | Revenue | Net income |
|---|---|---|
| Euronet WorldwideEEFT | $4.2B | $310M |
| Erie IndemnityERIE | $4.1B | $559M |
| EvercoreEVR | $3.9B | $592M |
| Bread FinancialBFH | $3.8B | $518M |
| White Mountains InsuranceWTM | $3.7B | $1.1B |
| Virtu FinancialVIRT | $3.6B | $912,264 |
| Klarna GroupKLAR | $3.5B | −$273M |
Cite this page
Ready-made references for the figures on this page, as published on September 25, 2026.
Wikipedia
{{cite web |title=Bread Financial — Key figures |url=https://companiesranked.com/en/company/bread-financial |website=CompaniesRanked |date=2026-09-25 |language=en}}APA 7
CompaniesRanked. (September 25, 2026). Bread Financial — Key figures. CompaniesRanked. https://companiesranked.com/en/company/bread-financialBibTeX
@misc{companiesranked-en-company-bread-financial-2026,
author = {{CompaniesRanked}},
title = {{Bread Financial — Key figures}},
year = {2026},
howpublished = {\url{https://companiesranked.com/en/company/bread-financial}},
note = {Compiled from SEC EDGAR XBRL filings; data as of 2026-09-25},
urldate = {2026-09-25}
}The filing itself
The numbers above are read from this document: 10-K · 0001101215-26-000016 · February 13, 2026
{{cite web |title=Bread Financial — Key figures — 10-K (0001101215-26-000016) |url=https://www.sec.gov/Archives/edgar/data/1101215/000110121526000016/bfh-20251231.htm |website=SEC EDGAR |publisher=U.S. Securities and Exchange Commission |date=2026-02-13}}The figures are rebuilt with every data refresh, so the reference carries the publication date. Add your own access date if your style requires one.