BFH · XBRL financial data

Bread Financial Holdings financial statements, every quarter

The same tables from 12 filings, lined up. Matched by XBRL tag: renamed lines keep their history.

How these numbers work

Every number comes from the company's XBRL financial data filed with the SEC, and each one links to its filing.
Lines are matched by XBRL tag, so a line renamed between filings keeps its history.
* marks a quarter worked out from the filing totals: the 10-K year minus the first three quarters, or a year-to-date total minus the earlier one. Fourth-quarter earnings per share is fourth-quarter net income over the fourth-quarter weighted shares.
0 means a filing states zero; a dash (—) means no filing states that number.
“year only” means the 10-K gives the full year but not the quarters needed to work out the fourth. A worked-out quarter of revenue, cost of revenue or operating cash flow more than twice the company's largest quarter of the two years before is shown this way too.
Gross profit is shown as the company reports it; a worked-out quarter must equal revenue less cost of revenue for that quarter, or it is a dash.
Operating income can be above gross profit when the company books other operating income between the two, shown on its own line.
Shares outstanding come from each filing's cover page, as of the date printed there.
Quarters are fiscal: Q2 FY27 is the second quarter of the company's fiscal 2027.

Income statement

Fiscal quarters (BFH's year ends in late December)

In millions of dollars	Q4 FY23Dec 31, 2023	Q1 FY24Mar 31, 2024	Q2 FY24Jun 30, 2024	Q3 FY24Sep 30, 2024	Q4 FY24Dec 31, 2024	Q1 FY25Mar 31, 2025	Q2 FY25Jun 30, 2025	Q3 FY25Sep 30, 2025	Q4 FY25Dec 31, 2025	Q1 FY26Mar 31, 2026	Q2 FY26Jun 30, 2026	Q3 FY26Sep 30, 2026
Interest expense	238*	248	—	—	—	—	—	—	—	—	—	—
Income tax expense (benefit)	(26)*	53	47	37	(34)*	55	35	8	(6)*	62	51	53
Net income (loss)	43*	134	133	2	7*	138	139	188	54*	181	146	156
Earnings per share, basic USD per share	0.87*	2.71	2.69	0.05	0.14*	2.81	2.97	4.04	1.20*	4.19	3.62	3.91
Earnings per share, diluted USD per share	0.87*	2.70	2.66	0.05	0.14*	2.78	2.94	3.96	1.17*	4.15	3.55	3.82
Weighted average shares, basic millions of shares	49*	50	50	50	50*	49	47	47	45*	43	40	38
Weighted average shares, diluted millions of shares	50*	50	50	51	51*	50	47	48	46*	43	41	39

Fiscal quarters (BFH's year ends in late December)

In millions of dollars	Q4 FY23Dec 31, 2023	Q1 FY24Mar 31, 2024	Q2 FY24Jun 30, 2024	Q3 FY24Sep 30, 2024	Q4 FY24Dec 31, 2024	Q1 FY25Mar 31, 2025	Q2 FY25Jun 30, 2025	Q3 FY25Sep 30, 2025	Q4 FY25Dec 31, 2025	Q1 FY26Mar 31, 2026	Q2 FY26Jun 30, 2026	Q3 FY26Sep 30, 2026
Cash and cash equivalents	3,590	3,789	4,053	3,451	3,679	4,212	3,799	3,764	3,604	3,637	3,683	3,961
Short-term investments	250	—	—	—	272	—	—	—	26	—	—	—
Property and equipment, net	167	166	157	148	142	133	127	122	117	112	104	97
Right-of-use asset	98	—	—	—	87	—	—	—	63	—	—	—
Goodwill	634	—	—	—	634	—	—	—	634	—	—	—
Total assets	23,141	22,299	22,144	21,736	22,891	22,382	21,821	21,714	22,663	22,308	22,452	23,291
Total deposits	13,620	13,327	12,994	12,847	13,082	13,099	13,340	13,535	13,916	14,073	14,732	15,502
Total liabilities	20,223	19,267	18,974	18,624	19,840	19,314	18,655	18,397	19,336	18,983	19,087	19,854
Retained earnings	767	890	1,012	1,003	999	1,126	1,255	1,432	1,475	1,643	1,779	1,919
Total stockholders' equity	2,918	3,032	3,170	3,112	3,051	3,068	3,166	3,317	3,327	3,325	3,365	3,437
Total liabilities and equity	23,141	22,299	22,144	21,736	22,891	22,382	21,821	21,714	22,663	22,308	22,452	23,291
Common shares outstanding (cover page) millions of shares	49	50	50	50	49	47	47	46	43	40	38	38

Fiscal quarters (BFH's year ends in late December)

In millions of dollars	Q4 FY23Dec 31, 2023	Q1 FY24Mar 31, 2024	Q2 FY24Jun 30, 2024	Q3 FY24Sep 30, 2024	Q4 FY24Dec 31, 2024	Q1 FY25Mar 31, 2025	Q2 FY25Jun 30, 2025	Q3 FY25Sep 30, 2025	Q4 FY25Dec 31, 2025	Q1 FY26Mar 31, 2026	Q2 FY26Jun 30, 2026	Q3 FY26Sep 30, 2026
Net income (loss)	43*	134	133	2	7*	138	139	188	54*	181	146	156
Stock-based compensation	12*	15	13*	13*	13*	13	15*	13*	15*	15	16*	15*
Depreciation and amortization	24*	23	23*	22*	22*	21	21*	19*	19*	19	18*	18*
Net cash from operating activities	617*	447	477*	456*	479*	393	526*	605*	568*	487	533*	601*
Net cash from investing activities	(1,791)*	720	31*	(569)*	(1,351)*	691	(221)*	(338)*	(1,503)*	317	(672)*	(673)*
Share repurchases	0*	11	0*	0*	44*	103	47*	40*	123*	153	243*	76*
Dividends paid	10*	11	11	10	11*	12	10	9	10	10	9	10
Net cash from financing activities	1,395*	(975)	(244)*	(488)*	1,115*	(562)	(723)*	(306)*	784*	(475)	(59)*	519*
Net change in cash	221*	192	264*	(601)*	243*	522	(418)*	(39)*	(151)*	329	(198)*	447*

SIC 6141 and related industry codes, similar size. Each row is the latest quarter reported.

How peers are chosen

SIC 6141 and related industry codes with public float (or, where float is missing, quarterly revenue) between 0.2x and 5x the company's.
Each row is the latest quarter the company has reported, named in the Quarter column; when that filing is a 10-K, it is the fourth quarter, never the full year.
* marks a quarter worked out from the filing totals: for a 10-Q, the year-to-date total less the earlier one.
A cell reading “not reported” means the filings give no figure for that quarter alone.

Company	Cash ($M)	Revenue, quarter ($M)	Operating cash flow, quarter ($M)	Shares outstanding	Quarter
Bread Financial Holdings	3,961	1,017	601*	38.0M	Q3 FY26 10-QSep 30, 2026
Enova International	106	1,009	536*	24.5M	Q3 FY26 10-QSep 30, 2026
Credit Acceptance	1.3	595	336*	10.1M	Q3 FY26 10-QSep 30, 2026
Nelnet	172	not reported	78*	not reported	Q2 FY26 10-QJun 30, 2026
Happen	15	263	(692)*	115.2M	Q3 FY26 10-QSep 30, 2026
OneMain Holdings	936	not reported	not reported	114.5M	Q3 FY26 10-QSep 30, 2026
SLM	2,165	not reported	(106)*	182.8M	Q3 FY26 10-QSep 30, 2026

Not investment advice. Not affiliated with the U.S. SEC.