Bread Financial Holdings, Inc.
Bread Financial Holdings, Inc. (NYSE: BFH) provides payment, lending and savings products to U.S. consumers and works with retailers and other businesses on branded credit programs. Through its bank subsidiaries, it issues and services co-brand and private label credit cards, offers proprietary Bread Cashback and… From the company’s description.
In fiscal 2025, Bread Financial Holdings, Inc. reported revenue of $3.85B, up 0.2% from fiscal 2024, and net income of $518.00M. Its pre-tax margin was 16.0%. Over the twelve months to Jun 30, 2026, revenue was $3.96B.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Bread Financial Holdings, Inc. does
In the company’s own words
Bread Financial Holdings, Inc. (NYSE: BFH) provides payment, lending and savings products to U.S. consumers and works with retailers and other businesses on branded credit programs. Through its bank subsidiaries, it issues and services co-brand and private label credit cards, offers proprietary Bread Cashback and Bread Rewards general-purpose cards, and provides Bread Pay installment loans and split-pay financing. Bread Savings offers certificates of deposit and high-yield savings accounts. Its partners include large brands and retailers such as AAA, Caesars, Dell Technologies, Saks Fifth Avenue, Signet, Ulta and Victoria’s Secret, as well as small and medium-sized businesses. The company also provides underwriting, loan servicing, fraud prevention, marketing, data analytics and digital payment capabilities. It operates as a single reportable segment, with interest and fees on loans as its primary revenue source. At December 31, 2025, it had $18.8 billion in credit card and other loans across approximately 34 million open and outstanding accounts; retail deposits totaled $8.5 billion. Its brands include Bread Financial, Bread Pay and Bread Savings.
Company details
- Sector
- Financials
- Industry (SIC)
- Banks & Brokers
- Headquarters
- COLUMBUS, OH
- Fiscal year end
- December
- CIK
- 1101215
- SIC
- 6141
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Bread Financial Holdings, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Bread Financial Holdings, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Bread Financial Holdings, Inc.’s bonds, as funds hold them
Funds report holding 2 issues of Bread Financial Holdings, Inc.’s debt, $321.56M at market value — what funds hold, not the company’s total debt. Weighted-average coupon 6.75%, maturing 2031 to 2035.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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