BFH · XBRL financial data

Bread Financial Holdings financial statements, every fiscal year

The same tables from 6 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 years (BFH's year ends in late December)

In millions of dollars	FY 2020Dec 31, 2020	FY 2021Dec 31, 2021	FY 2022Dec 31, 2022	FY 2023Dec 31, 2023	FY 2024Dec 31, 2024	FY 2025Dec 31, 2025
Revenue	4,521	—	—	—	—	—
Revenue from contracts with customers	577	—	—	—	—	—
Cost of revenue	2,077	—	—	—	—	—
General and administrative	106	—	—	—	—	—
Operating income (loss)	888	—	—	—	—	—
Interest expense	494	383	503	879	—	—
Income tax expense (benefit)	100	247	76	231	102	94
Net income (loss)	214	801	223	718	277	518
Earnings per share, basic USD per share	4.47	16.09	4.47	14.39	5.58	11.07
Earnings per share, diluted USD per share	4.46	16.02	4.46	14.34	5.49	10.89
Weighted average shares, basic millions of shares	48	50	50	50	50	47
Weighted average shares, diluted millions of shares	48	50	50	50	50	48

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

In millions of dollars	FY 2020Dec 31, 2020	FY 2021Dec 31, 2021	FY 2022Dec 31, 2022	FY 2023Dec 31, 2023	FY 2024Dec 31, 2024	FY 2025Dec 31, 2025
Cash and cash equivalents	3,082	3,046	3,891	3,590	3,679	3,604
Short-term investments	29	80	130	250	272	26
Accounts receivable	384	—	—	—	—	—
Inventory	164	—	—	—	—	—
Total current assets	19,634	—	—	—	—	—
Property and equipment, net	311	215	195	167	142	117
Right-of-use asset	233	97	88	98	87	63
Goodwill	1,370	634	634	634	634	634
Total assets	22,547	21,746	25,407	23,141	22,891	22,663
Accounts payable	328	—	—	—	—	—
Accrued liabilities	445	—	—	—	—	—
Total current liabilities	10,422	—	—	—	—	—
Total deposits	9,793	11,027	13,826	13,620	13,082	13,916
Lease liability, non-current	276	—	—	—	—	—
Total liabilities	21,026	19,660	23,142	20,223	19,840	19,336
Retained earnings (accumulated deficit)	4,832	(87)	93	767	999	1,475
Total stockholders' equity	1,522	2,086	2,265	2,918	3,051	3,327
Total liabilities and equity	22,547	21,746	25,407	23,141	22,891	22,663
Common shares outstanding (cover page) millions of shares	50	50	50	49	49	43

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

In millions of dollars	FY 2020Dec 31, 2020	FY 2021Dec 31, 2021	FY 2022Dec 31, 2022	FY 2023Dec 31, 2023	FY 2024Dec 31, 2024	FY 2025Dec 31, 2025
Net income (loss)	214	801	223	718	277	518
Stock-based compensation	21	29	33	44	54	56
Depreciation and amortization	184	123	113	116	90	80
Net cash from operating activities	1,883	1,543	1,848	1,987	1,859	2,092
Net cash from investing activities	1,774	(1,691)	(5,111)	788	(1,169)	(1,371)
Proceeds from issuing common stock	3	4	—	—	—	—
Share repurchases	—	0	12	35	55	313
Dividends paid	61	42	43	42	43	40
Net cash from financing activities	(4,167)	608	3,267	(3,086)	(592)	(807)
Net change in cash	(495)	460	4	(311)	98	(86)

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.