Financial Services - Financial - Credit Services - NYSE - US
$ 58.5
3.17 %
$ 2.91 B
Market Cap
9.17
P/E
INCOME STATEMENT
3.06 B
REVENUE
737 M
OPERATING INCOME
718 M
NET INCOME
EFFICIENCY
Earnings Waterfall
Bread Financial Holdings, Inc.
| Revenue | 3.06 B |
| Cost Of Revenue | 0 |
| Gross Profit | 3.06 B |
| Operating Expenses | 161 M |
| Operating Income | 737 M |
| Other Expenses | 19 M |
| Net Income | 718 M |
Income Statement
Millions
| Dec-2023 | Dec-2022 | Dec-2021 | Dec-2020 | Dec-2019 | Dec-2018 | Dec-2017 | Dec-2016 | Dec-2015 | Dec-2014 | Dec-2013 | Dec-2012 | Dec-2011 | Dec-2010 | Dec-2009 | Dec-2008 | Dec-2007 | Dec-2006 | Dec-2005 | Dec-2004 | Dec-2003 | Dec-2002 | Dec-2001 | Dec-2000 | Dec-1999 | Dec-1998 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| REVENUE | ||||||||||||||||||||||||||
| Revenue | 3 060.0 | 3 870.0 | 3 272.0 | 4 521.4 | 5 581.3 | 5 666.6 | 7 719.4 | 7 138.1 | 6 439.7 | 5 302.9 | 4 319.1 | 3 641.4 | 3 173.3 | 2 791.4 | 1 964.3 | 2 040.9 | 2 301.9 | 2 005.3 | 1 552.4 | 1 257.4 | 1 049.1 | 871.5 | 777.4 | 678.2 | 583.1 | 410.9 |
| GROSS PROFIT | ||||||||||||||||||||||||||
| Cost Of Revenue | 0 | 0 | 1 593.0 | 2 676.9 | 3 407.4 | 3 079.5 | 5 000.6 | 4 848.5 | 4 286.5 | 3 620.8 | 2 963.8 | 2 506.2 | 2 205.8 | 1 949.5 | 144.8 | 1 421.3 | 1 711.2 | 1 482.2 | 1 124.6 | 916.2 | 787.2 | 668.2 | 603.5 | 548.0 | 466.9 | 0 |
| Gross Profit | 3 060.0 | 3 870.0 | 1 679.0 | 1 844.5 | 2 173.9 | 2 587.1 | 2 718.8 | 2 289.6 | 2 153.2 | 1 682.1 | 1 355.3 | 1 135.2 | 967.5 | 841.9 | 1 819.5 | 619.6 | 590.6 | 523.1 | 427.8 | 341.2 | 262.0 | 203.2 | 173.9 | 130.2 | 116.2 | 410.9 |
| OPERATING INCOME | ||||||||||||||||||||||||||
| Operating Expenses | 161.0 | 180.0 | 1 018.0 | 1 450.0 | 1 363.6 | 1 372.1 | 1 637.7 | 1 452.6 | 1 160.3 | 844.2 | 561.9 | 452.4 | 453.4 | 531.0 | 1 556.6 | 218.6 | 247.5 | 216.9 | 194.2 | 169.1 | 128.6 | 122.6 | 119.6 | 108.3 | 113.8 | 405.4 |
| Selling, General and Administrative Expenses | 1 467.0 | 959.0 | 831.0 | 105.7 | 150.6 | 162.5 | 166.3 | 143.2 | 138.5 | 141.5 | 109.1 | 108.1 | 95.3 | 85.8 | 99.8 | 82.8 | 80.9 | 91.8 | 91.5 | 77.7 | 54.0 | 56.1 | 45.4 | 32.2 | 36.0 | 17.6 |
| Research and Development Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 30.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Income | 737.0 | 802.0 | 1 044.0 | 394.5 | 882.2 | 1 757.3 | 1 645.5 | 1 265.5 | 1 258.5 | 1 098.4 | 1 098.9 | 974.3 | 812.7 | 629.2 | 407.7 | 460.5 | 344.3 | 347.3 | 233.6 | 172.1 | 133.4 | 80.6 | 54.2 | 21.9 | 2.5 | 5.5 |
| PRE-TAX INCOME | ||||||||||||||||||||||||||
| Interest Income Expense | 879.0 | 503.0 | 383.0 | 108.5 | 130.0 | 156.4 | 282.7 | 218.2 | 179.5 | 131.9 | 181.1 | 173.5 | 148.8 | 133.8 | 144.8 | 79.2 | 80.2 | 47.6 | 14.5 | 7.0 | 17.3 | 21.2 | 30.1 | 0 | 0 | 0 |
| Total Other Income | 231.0 | 76.0 | (519.0) | (587.4) | (569.0) | (679.3) | (564.4) | (428.5) | (330.3) | (260.6) | (305.5) | (291.5) | (298.6) | (318.3) | (144.8) | (63.6) | 7.6 | (41.0) | (14.5) | (7.8) | (24.4) | (32.8) | (54.9) | (41.3) | (42.8) | (5.5) |
| Pre-Tax Income | 968.0 | 300.0 | 1 044.0 | 394.5 | 738.4 | 1 215.0 | 1 081.1 | 837.0 | 928.3 | 837.9 | 793.4 | 682.8 | 514.1 | 310.9 | 262.9 | 396.9 | 274.8 | 306.3 | 222.1 | 164.3 | 109.0 | 47.4 | 4.0 | (19.5) | (40.3) | 0 |
| NET INCOME | ||||||||||||||||||||||||||
| Tax Provision | 231.0 | 76.0 | 247.0 | 99.5 | 165.8 | 269.5 | 292.4 | 319.4 | 325.1 | 321.8 | 297.2 | 260.6 | 198.8 | 115.3 | 86.2 | 153.5 | 110.7 | 116.7 | 83.4 | 61.9 | 41.7 | 20.7 | 11.6 | 1.8 | (10.5) | 0 |
| Net Income | 718.0 | 223.0 | 801.0 | 295.0 | 572.6 | 963.1 | 788.7 | 515.8 | 594.3 | 506.3 | 496.2 | 422.2 | 315.3 | 193.7 | 143.7 | 217.4 | 164.1 | 189.6 | 138.7 | 102.4 | 67.3 | 26.2 | (8.2) | (21.3) | (29.8) | 0 |
| EPS | 14.4 | 4.47 | 16.1 | 6.17 | 11.4 | 17.5 | 14.2 | 7.37 | 8.91 | 8.72 | 10.1 | 8.44 | 6.22 | 3.69 | 2.58 | 2.88 | 2.09 | 2.38 | 1.69 | 1.27 | 0.86 | 0.32 | 0.13 | 0.45 | 0.7 | 0.43 |