BFH Dividend: Bread Financial Holdings Inc Yield Insights

Income

Balance sheet

Cash flow

Annual

Quarterly

BFH Income

Financials in millions USD. Fiscal year is February - January.

Breakdown	TTM	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Revenue	4,487	4,643	4,810	4,329	3,655	3,797
Revenue Growth (YoY)	-6%	-3%	11%	18%	-4%	-19%
Cost of Revenue	329	326	428	359	323	396
Gross Profit	4,158	4,317	4,382	3,970	3,332	3,401
Selling, General & Admin	1,046	1,044	1,028	959	831	752
Research & Development	--	--	--	--	--	--
Operating Expenses	2,721	2,987	2,759	3,167	1,905	2,601
Other Non Operating Income (Expenses)	--	--	--	--	--	--
Pretax Income	540	381	968	300	1,044	301
Income Tax Expense	64	102	231	76	255	95
Net Income	472	277	718	223	801	214
Net Income Growth	51%	-61%	222%	-72%	274%	-20%
Shares Outstanding (Diluted)	47.5	50.4	50	50	50	47.9
Shares Change (YoY)	-7%	1%	0%	0%	4%	-6%
EPS (Diluted)	9.93	5.49	14.36	4.46	16.02	4.46
EPS Growth	63%	-62%	222%	-72%	259%	-16%
Free Cash Flow	1,976	1,823	1,939	1,780	1,459	1,828
Free Cash Flow Per Share	41.6	36.17	38.78	35.6	29.18	38.16
Gross Margin	92.66%	92.97%	91.1%	91.7%	91.16%	89.57%
Operating Margin	32.02%	28.64%	33.74%	18.54%	39.04%	21.06%
Profit Margin	10.51%	5.96%	14.92%	5.15%	21.91%	5.63%
Free Cash Flow Margin	44.03%	39.26%	40.31%	41.11%	39.91%	48.14%
EBITDA	1,520	1,420	1,739	916	1,519	906
EBITDA Margin	33.87%	30.58%	36.15%	21.15%	41.55%	23.86%
D&A For EBITDA	83	90	116	113	92	106
EBIT	1,437	1,330	1,623	803	1,427	800
EBIT Margin	32.02%	28.64%	33.74%	18.54%	39.04%	21.06%
Effective Tax Rate	11.85%	26.77%	23.86%	25.33%	24.42%	31.56%