Bread Financial
Quarterly Financials
| Values in thousands | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 |
|---|---|---|---|---|
Revenue | $1,174,000 | $1,181,000 | $1,149,000 | $1,195,000 |
Gross Profit | 975,000 | 672,000 | 655,000 | 674,000 |
EBITDA | 66,000 | 215,000 | 195,000 | 218,000 |
EBIT | 47,000 | 196,000 | 174,000 | 197,000 |
Net Income | 53,000 | 188,000 | 139,000 | 138,000 |
Net Change In Cash | 1,174,000 | 1,181,000 | 1,149,000 | 1,195,000 |
Free Cash Flow | 568,000 | 597,000 | 526,000 | 393,000 |
Cash | 3,604,000 | 3,764,000 | 3,799,000 | 4,212,000 |
Basic Shares | 46,000 | 47,500 | 47,200 | 49,600 |
Annual Financials
| Values in thousands | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
Revenue | $4,699,000 | $3,838,000 | $4,289,000 | $3,826,000 |
Gross Profit | 2,976,000 | 2,441,000 | 3,060,000 | 2,232,000 |
EBITDA | 694,000 | 1,431,000 | 1,084,000 | 915,000 |
EBIT | 614,000 | 1,341,000 | 968,000 | 802,000 |
Net Income | 518,000 | 277,000 | 718,000 | 223,000 |
Net Change In Cash | 4,699,000 | 3,838,000 | 4,289,000 | 3,826,000 |
Free Cash Flow | 2,092,000 | 1,859,000 | 1,987,000 | 1,780,000 |
Cash | 3,604,000 | 3,679,000 | 3,590,000 | 3,891,000 |
Basic Shares | 46,000 | 50,400 | 50,000 | 50,000 |
Earnings Calls
| Quarter | EPS |
|---|---|
2026-03-31 | $0 |
2025-12-31 | $2.07 |
2025-09-30 | $4.02 |
2025-06-30 | $3.14 |
