Bread Financial
Quarterly Financials
| Values in thousands | 2026-09-30 | 2026-06-30 | 2026-03-31 | 2025-12-31 |
|---|---|---|---|---|
Revenue | $1,216,000 | $1,188,000 | $1,211,000 | $1,174,000 |
Gross Profit | 696,000 | 680,000 | 715,000 | 975,000 |
EBITDA | 209,000 | 215,000 | 262,000 | 66,000 |
EBIT | 197,000 | 243,000 | 47,000 | |
Net Income | 156,000 | 146,000 | 181,000 | 53,000 |
Net Change In Cash | 1,216,000 | 1,188,000 | 1,211,000 | 1,174,000 |
Free Cash Flow | 601,000 | 533,000 | 487,000 | 568,000 |
Cash | 3,961,000 | 3,683,000 | 3,637,000 | 3,604,000 |
Basic Shares | 39,300 | 40,700 | 43,200 | 46,000 |
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 |
|---|---|
2026-09-30 | $3.84 |
2026-06-30 | $3.55 |
2026-03-31 | $4.18 |
2025-12-31 | $2.07 |