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BFH Financials Bread Financial Holdings, Inc.

12 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has declined 22.5% per year over the past 5 years.
  • Net income has grown faster than revenue (19.3% vs -22.5% per year).
  • Free cash flow has declined 5.6% per year over the past 5 years.

Financial health

  • Total debt ($4.3B) exceeds cash ($3.6B); net debt is $704M.
  • Total debt has grown faster than revenue (9.0% vs -22.5% per year).

Shareholder returns

  • Dividends have been paid for 9 consecutive years, consuming 7.7% of earnings.
  • The dividend has declined 8.1% per year over the past 5 years.
Revenue & net income
$0 $482M $963M 2008 2010 2018 2020 2022 2024
RevenueNet income
Margins (gross / operating / net)
-260% -38% 183% 0% 2008 2010 2018 2020 2022 2024
GrossOperatingNet
Free cash flow (CFO − capex)
$0 $1B $3B 2008 2010 2018 2020 2022 2024
Free cash flow
Cash vs total debt
$0 $4B $8B 2008 2010 2018 2020 2022 2024
CashTotal debt
Cash flow: operating / investing / financing
-$5B -$553M $4B $0 2008 2010 2018 2020 2022 2024
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 — $518M — — — $4.3B $3.6B
2024 — $277M — — — $5.6B $3.7B
2023 — $718M — — — $5.3B $3.6B
2022 — $223M — — $1.8B $8.0B $3.9B
2021 — $801M — — $1.5B $7.4B $3.0B
2020 $577M $214M -259.9% 52.1% $1.8B $2.8B $2.8B
2019 $840M $278M -219.9% 78.8% $1.1B $2.8B $3.9B
2018 $960M $963M -164.3% 183.0% $2.6B $5.7B $3.8B
2017 — $789M — — $2.4B $6.1B $4.1B
2010 — $194M — — $834M — $139M
2009 — $144M — — $305M — $213M
2008 — $206M — — $401M — $157M

Valuation over time

How the market has priced BFH against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 4.9 9.9 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Dividend yield (%)
0.0 2.0 3.9 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
Dividend yield %

Frequently asked questions

Is BFH growing its revenue and profit?

Over the past 5 years, Bread Financial Holdings, Inc.'s revenue has declined 22.5% per year, and net income grown 19.3% per year. These are computed facts, not advice.

How much debt does BFH have?

As of FY2025, Bread Financial Holdings, Inc. reported $4.3B of total debt against $3.6B of cash.

What is BFH's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin —.

What is BFH's P/E ratio?

As of Jun '26, Bread Financial Holdings, Inc. traded at a price-to-earnings ratio of about 8.2× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.