Bread Financial Holdings Inc Income Statement
Concept
Total Revenue
YoY
Cost of Goods Sold (COGS)
Gross Profit
Operating expenses
Selling, General & Administrative
Research & Development
Operating Income
Interest Expense
Income Before Tax
Tax Provision
Net Income
YoY
Total Expenses
Net Interest Income
EBITDA
Reconciled Depreciation
EBIT
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
4,295M
12.26%
0M
4,295M
161M
867M
0M
737M
879M
968M
231M
718M
221.97%
161M
4,266M
1,944M
116M
1,828M
3,826M
16.93%
359M
3,870M
180M
779M
0M
802M
503M
300M
76M
223M
-72.16%
180M
4,181M
915M
113M
802M
3,272M
-27.63%
1,593M
1,679M
1,018M
671M
0M
1,044M
383M
1,044M
247M
801M
171.53%
2,611M
3,485M
1,167M
123M
1,044M
4,521M
-18.99%
2,677M
1,845M
1,450M
106M
0M
395M
109M
395M
100M
295M
-48.48%
4,127M
-109M
578M
184M
395M
5,581M
-1.51%
3,407M
2,174M
1,364M
151M
0M
882M
130M
738M
166M
573M
-40.55%
4,771M
-130M
1,132M
249M
882M
5,667M
-26.59%
3,080M
2,587M
1,372M
163M
0M
1,757M
156M
1,215M
261M
963M
22.11%
4,452M
-285M
1,702M
487M
1,215M
7,719M
8.14%
5,001M
2,719M
1,638M
166M
0M
1,646M
283M
1,081M
293M
789M
52.91%
6,638M
0M
1,579M
0M
1,081M
7,138M
10.85%
4,849M
2,290M
1,453M
143M
0M
1,266M
218M
837M
319M
516M
-13.21%
6,301M
0M
1,349M
0M
837M
6,440M
21.44%
4,287M
2,153M
1,160M
138M
0M
1,259M
180M
928M
0M
594M
17.38%
5,447M
0M
1,550M
0M
1,058M
5,303M
22.78%
3,621M
1,682M
844M
141M
0M
1,098M
132M
838M
0M
506M
2.04%
4,465M
0M
1,151M
0M
838M
4,319M
18.61%
2,964M
1,355M
562M
109M
0M
1,099M
181M
793M
0M
496M
17.53%
3,526M
0M
1,010M
0M
793M
3,641M
14.75%
2,506M
1,135M
452M
108M
0M
974M
174M
683M
0M
422M
33.90%
2,959M
0M
850M
0M
683M
3,173M
13.68%
2,206M
968M
453M
95M
0M
813M
149M
514M
0M
315M
62.78%
2,659M
0M
667M
0M
514M
2,791M
42.11%
1,950M
842M
531M
86M
0M
629M
134M
311M
0M
194M
34.79%
2,481M
0M
454M
0M
311M
1,964M
-3.75%
145M
1,820M
1,557M
100M
0M
408M
145M
263M
0M
144M
-33.90%
1,701M
0M
263M
0M
137M
2,041M
-11.34%
1,421M
620M
219M
83M
0M
461M
79M
397M
0M
217M
32.51%
1,640M
0M
549M
0M
405M
2,302M
14.79%
1,711M
591M
248M
81M
0M
344M
80M
275M
0M
164M
-13.47%
1,959M
0M
578M
0M
411M
2,005M
29.17%
1,482M
523M
217M
92M
0M
347M
48M
306M
0M
190M
36.66%
1,699M
0M
431M
0M
306M
1,552M
23.46%
1,125M
428M
194M
92M
0M
234M
14M
222M
0M
139M
35.53%
1,319M
0M
333M
0M
234M
1,257M
19.85%
916M
341M
169M
78M
0M
172M
7M
164M
0M
102M
52.12%
1,085M
0M
234M
0M
143M
1,049M
20.39%
787M
262M
129M
54M
0M
133M
17M
109M
0M
67M
156.83%
916M
0M
-105M
0M
-180M
871M
12.11%
668M
203M
123M
56M
0M
81M
21M
47M
0M
26M
-418.31%
791M
0M
-70M
0M
-137M
777M
14.62%
603M
174M
120M
45M
0M
54M
30M
4M
0M
-8M
-61.39%
723M
0M
-36M
0M
-111M
678M
16.31%
548M
130M
108M
0M
0M
22M
0M
-19M
0M
-21M
-28.54%
656M
0M
-74M
0M
-151M
583M
-
467M
116M
114M
0M
0M
2M
0M
-40M
0M
-30M
-28.54%
581M
0M
2M
0M
2M
411M
-
0M
411M
405M
0M
0M
5M
0M
0M
0M
0M
-28.54%
405M
0M
49M
0M
5M
Concept
Total Revenue
YoY
Cost of Goods Sold (COGS)
Gross Profit
Operating expenses
Selling, General & Administrative
Research & Development
Operating Income
Interest Expense
Income Before Tax
Tax Provision
Net Income
YoY
Total Expenses
Net Interest Income
EBITDA
Reconciled Depreciation
EBIT
4Q2023
3Q2023
2Q2023
1Q2023
4Q2022
3Q2022
2Q2022
1Q2022
4Q2021
3Q2021
2Q2021
1Q2021
4Q2020
3Q2020
2Q2020
1Q2020
4Q2019
3Q2019
2Q2019
1Q2019
4Q2018
3Q2018
2Q2018
1Q2018
4Q2017
3Q2017
2Q2017
1Q2017
4Q2016
3Q2016
2Q2016
1Q2016
4Q2015
3Q2015
2Q2015
1Q2015
4Q2014
3Q2014
2Q2014
1Q2014
4Q2013
3Q2013
2Q2013
1Q2013
4Q2012
3Q2012
2Q2012
1Q2012
4Q2011
3Q2011
2Q2011
1Q2011
4Q2010
3Q2010
2Q2010
1Q2010
4Q2009
3Q2009
2Q2009
1Q2009
4Q2008
3Q2008
2Q2008
1Q2008
4Q2007
3Q2007
2Q2007
1Q2007
4Q2006
3Q2006
2Q2006
1Q2006
4Q2005
3Q2005
2Q2005
1Q2005
4Q2004
3Q2004
2Q2004
1Q2004
4Q2003
3Q2003
2Q2003
1Q2003
4Q2002
3Q2002
2Q2002
1Q2002
3Q2001
2Q2001
1Q2001
4Q2000
3Q2000
1,017M
-1.55%
270M
747M
601M
220M
0M
-356M
238M
18M
-26M
43M
-132.09%
871M
1,075M
279M
24M
255M
1,031M
4.14%
-270M
1,301M
36M
210M
0M
173M
219M
225M
52M
171M
27.61%
36M
1,082M
465M
23M
442M
952M
4.16%
-245M
952M
40M
217M
0M
64M
205M
86M
22M
48M
300.00%
40M
992M
310M
35M
275M
1,289M
39.96%
120M
1,335M
39M
220M
0M
856M
218M
638M
183M
455M
116.67%
39M
1,117M
890M
34M
856M
1,033M
1,268.21%
111M
1,033M
130M
207M
0M
-13M
195M
-208M
-73M
-134M
-861.36%
130M
1,130M
20M
33M
-13M
990M
-9.94%
82M
990M
44M
202M
0M
322M
133M
189M
55M
134M
-40.10%
44M
1,085M
351M
29M
322M
914M
-9.72%
84M
914M
50M
191M
0M
111M
95M
16M
4M
12M
-95.61%
50M
978M
141M
30M
111M
921M
-15.11%
82M
933M
31M
179M
0M
380M
79M
302M
91M
210M
-26.62%
193M
989M
401M
21M
380M
76M
-93.20%
-191M
76M
662M
592M
0M
-9M
4M
-13M
-26M
18M
46.67%
471M
0M
13M
26M
-13M
1,099M
4.65%
616M
484M
193M
35M
0M
383M
37M
291M
67M
224M
67.82%
809M
0M
322M
32M
291M
1,012M
3.38%
623M
389M
17M
27M
0M
473M
42M
372M
98M
274M
612.24%
641M
0M
403M
32M
372M
1,085M
-21.49%
623M
462M
67M
17M
0M
503M
46M
394M
108M
286M
854.00%
691M
0M
428M
34M
394M
1,110M
-24.03%
748M
362M
216M
33M
0M
259M
29M
146M
95M
12M
-90.80%
964M
0M
210M
64M
146M
1,051M
-26.93%
627M
424M
248M
29M
0M
291M
25M
176M
0M
133M
-223.88%
875M
0M
216M
40M
176M
979M
-27.38%
607M
373M
291M
20M
0M
175M
26M
47M
0M
38M
-72.37%
898M
0M
157M
41M
115M
1,382M
3.57%
662M
720M
695M
24M
0M
164M
28M
25M
0M
30M
-79.88%
1,356M
0M
64M
39M
25M
1,461M
-28.94%
870M
591M
424M
23M
0M
309M
27M
167M
0M
130M
-54.23%
1,294M
0M
210M
43M
168M
1,438M
-26.17%
859M
578M
342M
32M
0M
304M
26M
164M
0M
-108M
-136.29%
1,202M
0M
353M
45M
308M
1,349M
-29.17%
856M
493M
299M
57M
0M
337M
39M
194M
0M
139M
-36.18%
1,155M
0M
236M
43M
194M
1,334M
-29.19%
828M
506M
299M
38M
0M
357M
44M
207M
0M
149M
-9.03%
1,127M
0M
326M
119M
207M
2,056M
-2.39%
1,368M
688M
291M
46M
0M
574M
70M
397M
0M
285M
5.01%
1,659M
0M
519M
121M
397M
1,947M
1.82%
1,275M
672M
319M
45M
0M
522M
69M
353M
0M
297M
27.14%
1,594M
0M
476M
123M
353M
1,904M
4.51%
1,215M
689M
434M
48M
0M
420M
74M
255M
0M
218M
58.17%
1,649M
0M
377M
122M
255M
1,884M
0.28%
1,206M
678M
459M
33M
0M
378M
72M
219M
0M
164M
11.95%
1,666M
0M
340M
122M
219M
2,106M
15.24%
1,345M
762M
455M
41M
0M
463M
73M
306M
0M
271M
2,483.81%
1,800M
0M
430M
123M
306M
1,912M
1.42%
1,250M
663M
329M
38M
0M
479M
74M
334M
0M
233M
12.39%
1,579M
0M
458M
124M
334M
1,822M
4.17%
1,194M
628M
414M
42M
0M
351M
72M
214M
0M
138M
-2.13%
1,608M
0M
339M
126M
214M
1,879M
12.11%
1,212M
667M
440M
45M
0M
352M
64M
227M
0M
146M
-6.81%
1,652M
0M
352M
125M
227M
1,828M
4.50%
1,349M
479M
417M
32M
0M
180M
59M
62M
0M
11M
-93.90%
1,766M
0M
189M
127M
62M
1,886M
18.66%
1,195M
691M
378M
41M
0M
421M
55M
313M
0M
208M
61.60%
1,573M
0M
439M
127M
313M
1,749M
16.54%
1,175M
574M
357M
43M
0M
321M
54M
217M
0M
141M
7.16%
1,532M
0M
347M
130M
217M
1,676M
4.68%
1,130M
546M
300M
28M
0M
344M
51M
246M
0M
157M
-3.38%
1,431M
0M
374M
128M
246M
1,749M
17.71%
1,146M
603M
331M
26M
0M
361M
47M
271M
0M
172M
155.95%
1,478M
0M
396M
125M
271M
1,589M
20.47%
1,024M
565M
295M
41M
0M
288M
45M
205M
0M
128M
-21.80%
1,319M
0M
458M
123M
335M
1,501M
18.61%
1,018M
482M
277M
41M
0M
286M
45M
205M
0M
131M
-4.44%
1,296M
0M
327M
122M
205M
1,601M
29.87%
1,098M
503M
257M
30M
0M
325M
43M
247M
0M
163M
18.34%
1,355M
0M
368M
122M
247M
1,486M
30.21%
1,004M
482M
338M
40M
0M
213M
33M
144M
0M
67M
-43.05%
1,342M
0M
233M
88M
144M
1,319M
20.31%
868M
451M
191M
39M
0M
322M
30M
260M
0M
164M
23.55%
1,059M
0M
337M
76M
260M
1,265M
23.06%
875M
391M
171M
28M
0M
283M
32M
220M
0M
137M
18.04%
1,046M
0M
294M
74M
220M
1,233M
17.04%
840M
393M
179M
34M
0M
282M
37M
214M
0M
137M
6.51%
1,019M
0M
288M
74M
214M
1,141M
17.41%
771M
370M
186M
25M
0M
250M
34M
184M
0M
118M
41.15%
957M
0M
240M
55M
184M
1,096M
20.29%
736M
360M
146M
34M
0M
289M
44M
215M
0M
133M
11.21%
882M
0M
269M
54M
215M
1,028M
18.65%
731M
297M
111M
28M
0M
269M
52M
186M
0M
116M
12.14%
842M
0M
239M
54M
186M
1,053M
18.15%
725M
328M
120M
22M
0M
291M
51M
209M
0M
129M
11.98%
845M
0M
262M
53M
209M
972M
14.66%
684M
288M
149M
108M
0M
217M
47M
138M
0M
84M
26.86%
834M
0M
185M
47M
138M
912M
7.90%
524M
388M
123M
25M
0M
265M
51M
190M
0M
120M
27.13%
647M
0M
306M
42M
265M
867M
17.02%
534M
333M
92M
28M
0M
241M
73M
168M
0M
104M
50.43%
626M
0M
280M
39M
241M
892M
20.42%
551M
341M
88M
24M
0M
253M
66M
187M
0M
115M
33.33%
639M
0M
291M
39M
253M
848M
12.16%
600M
247M
140M
95M
0M
181M
37M
107M
0M
66M
41.11%
740M
0M
146M
39M
107M
845M
20.27%
503M
342M
114M
26M
0M
228M
74M
153M
0M
94M
77.36%
617M
0M
271M
43M
228M
741M
10.56%
452M
288M
96M
21M
0M
192M
79M
113M
0M
69M
45.88%
549M
0M
228M
36M
192M
740M
11.59%
425M
315M
103M
21M
0M
212M
72M
140M
0M
86M
85.01%
529M
0M
247M
35M
212M
756M
38.43%
530M
225M
152M
86M
0M
141M
35M
73M
0M
47M
14.74%
683M
0M
110M
37M
73M
702M
45.36%
404M
298M
128M
20M
0M
170M
84M
86M
0M
53M
15.72%
532M
0M
208M
38M
170M
670M
45.48%
379M
291M
130M
22M
0M
160M
84M
77M
0M
47M
60.88%
509M
0M
195M
34M
160M
664M
38.16%
382M
281M
123M
22M
0M
158M
83M
76M
0M
47M
67.65%
505M
0M
192M
34M
158M
546M
4.34%
41M
505M
414M
100M
0M
132M
40M
91M
0M
41M
-21.50%
455M
0M
91M
34M
57M
483M
-5.48%
327M
156M
388M
30M
0M
95M
39M
56M
0M
46M
-33.87%
388M
0M
95M
31M
64M
460M
-9.23%
327M
133M
378M
19M
0M
83M
35M
48M
0M
29M
-37.41%
378M
0M
83M
31M
52M
480M
-3.80%
322M
158M
57M
28M
0M
102M
32M
70M
0M
28M
-43.52%
379M
0M
131M
29M
101M
523M
-14.71%
420M
103M
57M
83M
0M
108M
79M
92M
0M
52M
52.75%
477M
0M
79M
32M
47M
511M
-11.17%
335M
176M
58M
24M
0M
120M
19M
103M
0M
69M
137.42%
394M
0M
150M
34M
116M
507M
-10.04%
341M
166M
49M
15M
0M
114M
17M
100M
0M
47M
6.53%
390M
0M
154M
34M
120M
499M
-9.09%
325M
174M
54M
18M
0M
119M
20M
101M
0M
49M
-13.26%
379M
0M
166M
43M
123M
613M
15.50%
530M
84M
15M
81M
0M
78M
80M
61M
0M
34M
-14.31%
545M
0M
130M
41M
89M
576M
13.61%
402M
174M
105M
22M
0M
66M
21M
49M
0M
29M
-40.20%
507M
0M
154M
43M
111M
564M
14.96%
402M
161M
64M
21M
0M
91M
21M
72M
0M
44M
-1.58%
467M
0M
146M
43M
103M
549M
15.07%
378M
171M
63M
23M
0M
109M
19M
93M
0M
57M
0.78%
441M
0M
148M
39M
109M
531M
26.09%
440M
91M
56M
92M
0M
75M
48M
64M
0M
40M
26.43%
497M
0M
68M
34M
34M
507M
31.64%
357M
149M
60M
28M
0M
89M
11M
79M
0M
49M
36.06%
417M
0M
94M
32M
62M
490M
32.35%
354M
136M
53M
21M
0M
83M
10M
73M
0M
45M
30.28%
407M
0M
115M
32M
83M
477M
26.97%
330M
147M
48M
20M
0M
99M
9M
91M
0M
56M
51.74%
378M
0M
127M
28M
99M
421M
21.44%
312M
109M
55M
92M
0M
54M
14M
50M
0M
31M
95.60%
367M
0M
80M
26M
54M
385M
28.76%
278M
107M
47M
23M
0M
60M
2M
57M
0M
36M
37.90%
325M
0M
84M
24M
60M
371M
23.34%
271M
100M
43M
19M
0M
57M
2M
55M
0M
34M
22.73%
313M
0M
81M
24M
57M
376M
20.32%
264M
112M
49M
24M
0M
62M
3M
59M
0M
37M
14.97%
314M
0M
87M
25M
62M
347M
13.45%
261M
86M
58M
78M
0M
28M
7M
26M
0M
16M
-34.42%
319M
0M
41M
24M
17M
299M
16.90%
219M
80M
37M
15M
0M
43M
1M
42M
0M
26M
39.66%
256M
0M
59M
22M
37M
300M
21.36%
217M
84M
37M
15M
0M
47M
2M
45M
0M
28M
134.50%
253M
0M
-20M
22M
-42M
312M
30.07%
219M
93M
38M
15M
0M
56M
3M
52M
0M
32M
162.64%
257M
0M
-33M
23M
-56M
306M
29.09%
229M
77M
34M
54M
0M
43M
17M
39M
0M
24M
130.83%
263M
0M
-239M
21M
-260M
256M
16.88%
191M
64M
31M
13M
0M
33M
3M
30M
0M
19M
139.51%
222M
0M
46M
18M
28M
248M
20.45%
187M
61M
29M
11M
0M
32M
7M
19M
0M
12M
252.21%
216M
0M
-23M
18M
-42M
240M
12.27%
180M
60M
-155M
17M
0M
215M
5M
20M
0M
12M
-248.88%
26M
0M
145M
17M
128M
237M
18.33%
178M
59M
34M
56M
0M
25M
21M
18M
0M
11M
2,016.00%
212M
0M
-26M
17M
-44M
219M
19.81%
168M
51M
28M
12M
0M
23M
5M
13M
0M
8M
-1,615.01%
196M
0M
-12M
17M
-28M
206M
13.75%
161M
45M
27M
10M
0M
18M
5M
7M
0M
3M
6,300.00%
187M
0M
-6M
16M
-23M
214M
20.77%
158M
56M
37M
45M
0M
19M
30M
-7M
0M
-8M
140.23%
195M
0M
9M
20M
-11M
200M
18.57%
156M
44M
30M
12M
0M
14M
6M
8M
0M
1M
-112.35%
186M
0M
-16M
18M
-34M
183M
-
146M
37M
26M
8M
0M
11M
9M
2M
0M
-1M
-112.35%
172M
0M
-7M
18M
-24M
181M
-
143M
37M
27M
0M
0M
11M
0M
1M
0M
0M
-112.35%
170M
0M
-23M
17M
-41M
177M
-
142M
35M
27M
0M
0M
7M
0M
-3M
0M
-3M
-112.35%
170M
0M
-144M
18M
-162M
169M
-
136M
33M
27M
0M
0M
6M
0M
-4M
0M
-4M
-112.35%
163M
0M
26M
19M
6M