BREAD FINANCIAL HOLDINGS, INC.BFH
Market cap
$3B
P/E ratio
| Dec 31, 2010 | Dec 31, 2011 | Dec 31, 2012 | Dec 31, 2013 | Dec 31, 2014 | Dec 31, 2015 | Dec 31, 2016 | Dec 31, 2017 | Dec 31, 2018 | Dec 31, 2019 | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | |
| Interest and fees on loans | - | - | - | - | - | - | - | - | - | - | - | 3,861 | 4,615 | 4,961 | 4,820 |
| Interest on cash and investment securities | - | - | - | - | - | - | - | - | - | - | - | 7 | 69 | 184 | 204 |
| Total interest income | - | - | - | - | - | - | - | - | - | - | - | 3,868 | 4,684 | 5,145 | 5,024 |
| Interest on deposits | - | - | - | - | - | - | - | - | - | - | - | 167 | 243 | 541 | 608 |
| Interest on borrowings | - | - | - | - | - | - | - | - | - | - | - | 216 | 260 | 338 | 352 |
| Total interest expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 960 |
| Net interest income | - | - | - | - | - | - | - | - | - | - | - | 3,485 | 4,181 | 4,266 | 4,064 |
| Interchange revenue, net of retailer share arrangements | - | - | - | - | - | - | - | - | - | - | - | -369 | -469 | -335 | -381 |
| Gain on portfolio sale | - | - | - | - | - | - | - | - | - | - | - | - | - | 230 | 11 |
| Other | 75 | 102 | 130 | 157 | 170 | 197 | 207 | - | - | - | - | 156 | 114 | 128 | 144 |
| Total non-interest income | - | - | - | - | - | - | - | - | - | - | - | - | - | 23 | -226 |
| Total net interest and non-interest income | - | - | - | - | - | - | - | - | - | - | - | 3,272 | 3,826 | 4,289 | 3,838 |
| Provision for credit losses | - | - | - | - | - | - | - | - | - | - | - | 544 | 1,594 | 1,229 | 1,397 |
| Total net interest and non-interest income, after provision for credit losses | - | - | - | - | - | - | - | - | - | - | - | 2,728 | 2,232 | 3,060 | 2,441 |
| Employee compensation and benefits | - | - | - | - | - | - | - | - | - | - | - | 671 | - | 867 | 897 |
| Card and processing expenses | - | - | - | - | - | - | - | - | - | - | - | 323 | 359 | 428 | 326 |
| Information processing and communication | - | - | - | - | - | - | - | - | - | - | - | 216 | 274 | 301 | 300 |
| Marketing Expense | - | - | - | - | - | - | - | - | - | - | - | 160 | 180 | 161 | 147 |
| Depreciation and amortization | 143 | 153 | 167 | 216 | 313 | 492 | 512 | 498 | 487 | 249 | 184 | 123 | 113 | 116 | 90 |
| Other | - | - | - | - | - | - | - | - | - | - | - | 222 | 227 | 219 | 300 |
| Total non-interest expenses | - | - | - | - | - | - | - | - | - | - | - | 1,684 | 1,932 | 2,092 | 2,060 |
| Income from continuing operations before income taxes | - | - | - | - | - | - | - | 1,081 | 1,224 | 738 | 395 | 1,044 | 300 | 968 | 381 |
| Provision for income taxes | 115 | 199 | 261 | 297 | 322 | 326 | 319 | 292 | 261 | 166 | 100 | 247 | 76 | 231 | 102 |
| Income from continuing operations | 196 | 315 | 422 | - | - | - | - | - | - | 573 | 295 | 797 | 224 | 737 | 279 |
| Loss from discontinued operations, net of income taxes | -2 | - | - | - | - | - | - | - | - | -295 | -81 | 4 | -1 | -19 | -2 |
| Net income | 194 | - | - | - | 516 | 605 | 518 | 789 | 963 | 278 | 214 | 801 | 223 | 718 | 277 |
| Income from continuing operations (in dollars per share) | 3.72 | 6.22 | 8.44 | - | - | - | - | - | - | 11.25 | 6.17 | 16.02 | 4.48 | 14.79 | 5.63 |
| Loss from discontinued operations (in dollars per share) | - | - | - | - | - | - | - | - | - | -5.89 | -1.7 | 0.07 | -0.01 | -0.4 | -0.05 |
| Net income per share (in dollars per share) | 3.69 | 6.22 | 8.44 | 10.09 | 8.72 | 8.91 | 7.37 | 14.17 | 17.56 | 5.36 | 4.47 | 16.09 | 4.47 | 14.39 | 5.58 |
| Income from continuing operations (in dollars per share) | 3.51 | 5.45 | 6.58 | - | - | - | - | - | - | 11.24 | 6.16 | 15.95 | 4.47 | 14.74 | 5.54 |
| Loss from discontinued operations (in dollars per share) | - | - | - | - | - | - | - | - | - | -5.78 | -1.7 | 0.07 | -0.01 | -0.4 | -0.05 |
| Net income per share (in dollars per share) | 3.48 | 5.45 | 6.58 | 7.42 | 7.87 | 8.85 | 7.34 | 14.1 | 17.49 | 5.46 | 4.46 | 16.02 | 4.46 | 14.34 | 5.49 |