FY2025 · ended Dec 31, 2025 · Revenue $3.85B, +0.2% YoY · Filed Feb 13, 2026
Bread Financial Holdings, Inc. (BFH) files with the SEC under industry code 6141, Personal Credit Institutions. In fiscal 2025, which ended Dec 31, 2025, it reported revenue of $3.8 billion and net income of $518.0 million.
Revenue (TTM)
$4.00B
+5.5% vs year-ago TTM
Net income (TTM)
$537.00M
+14.0% vs year-ago TTM
Operating cash flow (TTM)
$2.19B
+9.3% vs year-ago TTM
Free cash flow
$1.78B
+22.0% vs prior year
EPS (TTM)
$12.70
+31.4% vs year-ago TTM
Dividend per share
$0.86
+2.4% vs prior year
Shares outstanding
43.12M
-12.2% vs prior year
Net cash
$-763.00M
FY 2025
Operating margin
52.1%
FY 2020
Company profile
- Industry
- Personal Credit Institutions (SIC 6141)
- Listed as
- BFH (NYSE), BFH-PA (NYSE), BFH-PB (NYSE)
- Fiscal year ends
- December 31
- Incorporated in
- DE
- Headquarters
- Columbus, OH
- SEC filer status
- Large accelerated filer
- SEC CIK
- 1101215
- Former names
- ALLIANCE DATA SYSTEMS CORP (until Mar 23, 2022)
Other Personal Credit Institutions companies
- Affirm Holdings, Inc. AFRM
- OneMain Holdings, Inc. OMF
- Credit Acceptance Corp CACC
- Nelnet Inc NNI
- Enova International, Inc. ENVA
- SLM Corp SLM
- Happen, Inc. HAPN
- Atlanticus Holdings Corp ATLC
Key figures
Fiscal-year totals from the annual reports. Balance sheet lines are as of each year end.
| Line | FY 2025 Dec 31, 2025 |
FY 2024 Dec 31, 2024 |
FY 2023 Dec 31, 2023 |
FY 2022 Dec 31, 2022 |
FY 2021 Dec 31, 2021 |
|---|---|---|---|---|---|
| Revenue | $3.8B | $3.8B | $4.3B | $3.8B | $3.3B |
| Net income | $518.0M | $277.0M | $718.0M | $223.0M | $801.0M |
| Diluted EPS | $10.89 | $5.49 | $14.34 | $4.46 | $16.02 |
| Operating cash flow | $2.1B | $1.9B | $2.0B | $1.8B | $1.5B |
| Free cash flow | — | — | — | $1.8B | $1.5B |
| Total assets | $22.7B | $22.9B | $23.1B | $25.4B | $21.7B |
| Total liabilities | $19.3B | $19.8B | $20.2B | $23.1B | $19.7B |
| Stockholders' equity | $3.3B | $3.1B | $2.9B | $2.3B | $2.1B |
| Cash and investments | $3.6B | $4.0B | $3.8B | $4.0B | $3.1B |
| Total debt | $4.4B | $5.7B | $5.4B | $8.1B | $7.6B |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 8-K |
Current report
Change to shareholder rights, Bylaw or fiscal year change, Other events
|
Nov 3, 2026 | Nov 2, 2026 |
| 8-K |
Current report
Other events
|
Oct 28, 2026 | Oct 27, 2026 |
| 8-K |
Current report
Other events
|
Oct 27, 2026 | Oct 27, 2026 |
| 10-Q | Quarterly report | Oct 27, 2026 | Sep 30, 2026 |
| 8-K |
Current report
Regulation FD disclosure
|
Oct 22, 2026 | Oct 22, 2026 |
| 8-K |
Current report
Results of operations, Regulation FD disclosure, Other events
|
Oct 22, 2026 | Oct 22, 2026 |
All 1002 Bread Financial Holdings, Inc. SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.