Bread Financial (NYSE: BFH) financial statements
The consolidated income statement, balance sheet and cash flow statement of Bread Financial for its last 10 fiscal years, as filed with the regulator, in millions of US dollars. At the end of fiscal 2025 it had $22,663m in total assets and $3,327m in equity.
Income statement
| Item | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3,845m | $3,838m | $4,289m | $3,826m | $3,272m | $3,298m | $4,050m | $5,667m | $5,475m | $7,138m |
| Cost of sales | — | — | — | — | — | $2,077m | $2,688m | $2,537m | $2,470m | $4,277m |
| Gross profit | — | — | — | — | — | $1,221m | $1,362m | $3,129m | $3,005m | $2,861m |
| Operating profit | $615.0m | $381.0m | $968.0m | $300.0m | $1,044m | $301.0m | $662.0m | $1,757m | $1,518m | $1,266m |
| Finance costs | $300.0m | $352.0m | $338.0m | $260.0m | $216.0m | $261.0m | $331.0m | $670.6m | $564.4m | $428.5m |
| Profit before tax | $615.0m | $381.0m | $968.0m | $300.0m | $1,044m | $301.0m | $662.0m | $1,215m | $1,063m | $837.0m |
| Income tax | $94.0m | $102.0m | $231.0m | $76.0m | $247.0m | $93.0m | $156.0m | $269.5m | $293.3m | $319.4m |
| Net profit | $518.0m | $277.0m | $718.0m | $223.0m | $801.0m | $214.0m | $278.0m | $963.1m | $788.7m | $517.6m |
| Earnings per share | $11.07 | $5.58 | $14.39 | $4.47 | $16.09 | $4.47 | $5.36 | $17.56 | $14.17 | $7.37 |
| Diluted earnings per share | $10.89 | $5.49 | $14.34 | $4.46 | $16.02 | $4.46 | $5.46 | $17.49 | $14.10 | $7.34 |
| Depreciation and amortisation | $80.0m | $90.0m | $116.0m | $113.0m | $123.0m | $184.0m | $249.0m | $487.3m | $497.6m | $512.1m |
Balance sheet
| Item | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | $22,663m | $22,891m | $23,141m | $25,407m | $21,746m | $22,547m | $26,495m | $30,388m | $30,685m | $25,514m |
| Current assets | — | — | — | — | — | $19,634m | $24,113m | $24,712m | $24,706m | $19,589m |
| Inventories | — | — | — | — | — | $164.3m | $218.0m | $248.0m | $234.1m | $271.3m |
| Property, plant and equipment | $117.0m | $142.0m | $167.0m | $195.0m | $215.0m | $213.0m | $282.3m | $288.2m | $613.9m | $586.0m |
| Goodwill | $634.0m | $634.0m | $634.0m | $634.0m | $634.0m | $634.0m | $954.9m | $954.8m | $992.8m | $3,801m |
| Cash | $3,604m | $3,679m | $3,590m | $3,891m | $3,046m | $2,796m | $3,874m | $3,817m | $4,190m | $1,859m |
| Total liabilities | $19,336m | $19,840m | $20,223m | $23,142m | $19,660m | $21,025m | $24,907m | $28,056m | $28,830m | $23,856m |
| Current liabilities | — | — | — | — | — | $10,422m | $11,872m | $11,484m | $10,147m | $9,230m |
| Equity | $3,327m | $3,051m | $2,918m | $2,265m | $2,086m | $1,522m | $1,589m | $2,332m | $1,855m | $1,658m |
| Equity including minorities | $3,327m | $3,051m | $2,918m | $2,265m | $2,086m | $1,522m | $1,589m | $2,332m | $1,855m | $1,658m |
Cash flow statement
| Item | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $2,092m | $1,859m | $1,987m | $1,848m | $1,543m | $1,883m | $1,218m | $2,755m | $2,599m | $2,127m |
| Investing cash flow | −$1,371m | −$1,169m | $788.0m | −$5,111m | −$1,691m | $1,774m | $2,861m | −$1,872m | −$4,268m | −$4,292m |
| Financing cash flow | −$807.0m | −$592.0m | −$3,086m | $3,267m | $608.0m | −$4,167m | −$4,092m | −$1,218m | $4,005m | $2,637m |
| Capital expenditure | — | — | — | −$68.0m | −$84.0m | −$54.0m | −$142.0m | −$199.8m | −$225.4m | −$207.0m |
| Dividends paid | −$40.0m | −$43.0m | −$42.0m | −$43.0m | −$42.0m | −$61.0m | −$127.0m | −$125.2m | −$115.5m | −$30.0m |
Where each figure comes from
From the annual report (Form 10-K) that Bread Financial files with the SEC. The filing for each fiscal year: 2025 · 2024 · 2023 · 2022 · 2021 · 2020 · 2019 · 2018 · 2017 · 2016. If an item is not tagged in the filing, it is not in the table. The summary of the last fiscal year is on the Bread Financial page.
Dividend per share of Bread Financial by fiscal year, with the filing behind every figure: Bread Financial dividend history.
Information prepared from the accounts the company files with the regulator, for information purposes only. It is not financial advice or a recommendation to buy or sell. Updated on 12 November 2026.