BREAD FINANCIAL HOLDINGS, INC. — Financial Data
Annual figures from SEC EDGAR XBRL filings (10-K)
These figures are extracted directly from XBRL-tagged financial statements that BREAD FINANCIAL HOLDINGS, INC. filed with the SEC as part of its annual 10-K reports. XBRL (eXtensible Business Reporting Language) is a structured data format the SEC requires for machine-readable financial disclosures. Values shown are as reported — negative figures indicate a loss and are shown in red.
Revenue
Total revenue from all business activities — the top line of the income statement. Represents all money earned before any expenses are deducted.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2020 | Dec 31, 2020 | $1.11B | Feb 26, 2021 |
| FY2020 | Sep 30, 2020 | $1.05B | Feb 26, 2021 |
| FY2020 | Jun 30, 2020 | $979.30M | Feb 26, 2021 |
| FY2020 | Mar 31, 2020 | $1.38B | Feb 26, 2021 |
| FY2020 | Dec 31, 2019 | $1.46B | Feb 26, 2021 |
| FY2020 | Sep 30, 2019 | $1.44B | Feb 26, 2021 |
| FY2020 | Jun 30, 2019 | $1.35B | Feb 26, 2021 |
| FY2020 | Mar 31, 2019 | $1.33B | Feb 26, 2021 |
| FY2019 | Dec 31, 2018 | $1.46B | Feb 28, 2020 |
| FY2019 | Sep 30, 2018 | $1.42B | Feb 28, 2020 |
Revenue
Revenue recognized from contracts with customers under ASC 606, excluding taxes collected on behalf of government authorities. This is the primary revenue concept for many companies.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2020 | Dec 31, 2020 | $577.20M | Feb 26, 2021 |
| FY2020 | Dec 31, 2019 | $840.20M | Feb 26, 2021 |
| FY2020 | Dec 31, 2018 | $960.10M | Feb 26, 2021 |
Net Income
The bottom-line profit — what remains after all operating expenses, interest, taxes, and other costs are deducted. A negative value means the company reported a net loss for the year.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $518.00M | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | $277.00M | Feb 13, 2026 |
| FY2025 | Dec 31, 2023 | $718.00M | Feb 13, 2026 |
| FY2024 | Dec 31, 2022 | $223.00M | Feb 14, 2025 |
| FY2023 | Dec 31, 2021 | $801.00M | Feb 20, 2024 |
| FY2020 | Dec 31, 2020 | $12.00M | Feb 26, 2021 |
| FY2020 | Sep 30, 2020 | $133.30M | Feb 26, 2021 |
| FY2020 | Jun 30, 2020 | $38.40M | Feb 26, 2021 |
| FY2020 | Mar 31, 2020 | $30.00M | Feb 26, 2021 |
| FY2020 | Dec 31, 2019 | $97.50M | Feb 26, 2021 |
Operating Income
Profit from core business operations before interest expense and income taxes (also known as EBIT). Excludes non-operating items, making it a cleaner measure of operational efficiency than net income.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2020 | Dec 31, 2020 | $258.70M | Feb 26, 2021 |
| FY2020 | Sep 30, 2020 | $291.00M | Feb 26, 2021 |
| FY2020 | Jun 30, 2020 | $174.70M | Feb 26, 2021 |
| FY2020 | Mar 31, 2020 | $164.00M | Feb 26, 2021 |
| FY2020 | Dec 31, 2019 | $309.00M | Feb 26, 2021 |
| FY2020 | Sep 30, 2019 | $304.20M | Feb 26, 2021 |
| FY2020 | Jun 30, 2019 | $337.30M | Feb 26, 2021 |
| FY2020 | Mar 31, 2019 | $356.90M | Feb 26, 2021 |
| FY2019 | Dec 31, 2018 | $508.50M | Feb 28, 2020 |
| FY2019 | Sep 30, 2018 | $479.80M | Feb 28, 2020 |
Total Assets
The total value of everything the company owns or controls — cash, investments, receivables, property, equipment, and intangibles. Reported as of fiscal year end.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $22.66B | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | $22.89B | Feb 13, 2026 |
| FY2024 | Dec 31, 2023 | $23.14B | Feb 14, 2025 |
| FY2023 | Dec 31, 2022 | $25.41B | Feb 20, 2024 |
| FY2022 | Dec 31, 2021 | $21.75B | Feb 28, 2023 |
| FY2021 | Dec 31, 2020 | $22.55B | Feb 25, 2022 |
| FY2020 | Dec 31, 2019 | $26.49B | Feb 26, 2021 |
| FY2019 | Dec 31, 2018 | $30.39B | Feb 28, 2020 |
| FY2018 | Dec 31, 2017 | $30.68B | Feb 26, 2019 |
| FY2018 | Dec 31, 2016 | $25.51B | Feb 26, 2019 |
Total Liabilities
All financial obligations owed to outside parties — including debt, accounts payable, accrued expenses, and deferred revenue. Subtracting liabilities from total assets gives stockholders' equity.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $19.34B | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | $19.84B | Feb 13, 2026 |
| FY2024 | Dec 31, 2023 | $20.22B | Feb 14, 2025 |
| FY2023 | Dec 31, 2022 | $23.14B | Feb 20, 2024 |
| FY2022 | Dec 31, 2021 | $19.66B | Feb 28, 2023 |
| FY2021 | Dec 31, 2020 | $21.03B | Feb 25, 2022 |
| FY2020 | Dec 31, 2019 | $24.91B | Feb 26, 2021 |
| FY2019 | Dec 31, 2018 | $28.06B | Feb 28, 2020 |
| FY2018 | Dec 31, 2017 | $28.83B | Feb 26, 2019 |
| FY2017 | Dec 31, 2016 | $23.86B | Feb 27, 2018 |
Stockholders Equity
The net worth attributable to shareholders: total assets minus total liabilities. Also called book value. Can be negative if liabilities exceed assets, which is common in capital-intensive industries.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $3.33B | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | $3.05B | Feb 13, 2026 |
| FY2025 | Dec 31, 2023 | $2.92B | Feb 13, 2026 |
| FY2025 | Dec 31, 2022 | $2.27B | Feb 13, 2026 |
| FY2024 | Dec 31, 2021 | $2.09B | Feb 14, 2025 |
| FY2023 | Dec 31, 2020 | $1.52B | Feb 20, 2024 |
| FY2022 | Dec 31, 2019 | $1.59B | Feb 28, 2023 |
| FY2021 | Dec 31, 2018 | $2.33B | Feb 25, 2022 |
| FY2020 | Dec 31, 2017 | $1.86B | Feb 26, 2021 |
| FY2019 | Dec 31, 2016 | $1.66B | Feb 28, 2020 |
EPS (Basic)
Net income divided by the weighted average shares outstanding. Basic EPS does not account for dilutive securities like options or convertible bonds — use diluted EPS for a more conservative view.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 11 | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | 5 | Feb 13, 2026 |
| FY2025 | Dec 31, 2023 | 14 | Feb 13, 2026 |
| FY2024 | Dec 31, 2022 | 4 | Feb 14, 2025 |
| FY2023 | Dec 31, 2021 | 16 | Feb 20, 2024 |
| FY2020 | Dec 31, 2020 | 0 | Feb 26, 2021 |
| FY2020 | Sep 30, 2020 | 2 | Feb 26, 2021 |
| FY2020 | Jun 30, 2020 | 0 | Feb 26, 2021 |
| FY2020 | Mar 31, 2020 | 0 | Feb 26, 2021 |
| FY2020 | Dec 31, 2019 | 2 | Feb 26, 2021 |
EPS (Diluted)
Net income divided by the fully diluted share count — including all potential shares from options, warrants, and convertible instruments. The more conservative and widely cited EPS figure.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 10 | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | 5 | Feb 13, 2026 |
| FY2025 | Dec 31, 2023 | 14 | Feb 13, 2026 |
| FY2024 | Dec 31, 2022 | 4 | Feb 14, 2025 |
| FY2023 | Dec 31, 2021 | 16 | Feb 20, 2024 |
| FY2020 | Dec 31, 2020 | 0 | Feb 26, 2021 |
| FY2020 | Sep 30, 2020 | 2 | Feb 26, 2021 |
| FY2020 | Jun 30, 2020 | 0 | Feb 26, 2021 |
| FY2020 | Mar 31, 2020 | 0 | Feb 26, 2021 |
| FY2020 | Dec 31, 2019 | 2 | Feb 26, 2021 |
Cash & Equivalents
Highly liquid assets the company holds — cash on hand, bank balances, and short-term investments with maturities of three months or less. A key indicator of short-term financial health.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $3.60B | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | $3.68B | Feb 13, 2026 |
| FY2025 | Dec 31, 2023 | $3.59B | Feb 13, 2026 |
| FY2024 | Dec 31, 2022 | $3.89B | Feb 14, 2025 |
| FY2023 | Dec 31, 2021 | $3.05B | Feb 20, 2024 |
| FY2021 | Dec 31, 2020 | $2.80B | Feb 25, 2022 |
| FY2020 | Dec 31, 2019 | $3.87B | Feb 26, 2021 |
| FY2019 | Dec 31, 2018 | $3.82B | Feb 28, 2020 |
| FY2018 | Dec 31, 2017 | $4.19B | Feb 26, 2019 |
| FY2018 | Dec 31, 2016 | $1.86B | Feb 26, 2019 |
Long-Term Debt
Debt obligations due more than one year from the balance sheet date — bonds, term loans, and notes payable. High long-term debt relative to equity can signal elevated financial leverage.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $4.31B | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | $5.56B | Feb 13, 2026 |
| FY2024 | Dec 31, 2023 | $5.29B | Feb 14, 2025 |
| FY2023 | Dec 31, 2022 | $8.01B | Feb 20, 2024 |
| FY2022 | Dec 31, 2021 | $7.44B | Feb 28, 2023 |
| FY2020 | Dec 31, 2020 | $2.81B | Feb 26, 2021 |
| FY2019 | Dec 31, 2019 | $2.85B | Feb 28, 2020 |
| FY2018 | Dec 31, 2018 | $5.74B | Feb 26, 2019 |
| FY2017 | Dec 31, 2017 | $6.08B | Feb 27, 2018 |
| FY2016 | Dec 31, 2016 | $5.60B | Feb 27, 2017 |