Bread Financial Holdings, Inc. (BFH) FinancialsBFHBread Financial Holdings, Inc.

Bread Financial Holdings, Inc. (BFH) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is Finance charges, net, accounting for 90.2% of total sales, equivalent to $991.70M. Other significant revenue streams include Card Services and LoyaltyOne. Understanding this composition is critical for investors evaluating how BFH navigates market cycles within the Consumer Lending industry.

Evaluating the bottom line, Bread Financial Holdings, Inc. maintains a gross margin of 81.30%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 18.89%, while the net margin is 14.00%. These profitability ratios, combined with a Return on Equity (ROE) of 17.30%, provide a clear picture of how effectively BFH converts its operational activities into shareholder value.

In the context of the broader market, BFH competes directly with industry leaders such as HRI and SLM. With a market capitalization of $3.80B, it holds a significant position in the sector. When comparing efficiency, BFH's gross margin of 81.30% stands against HRI's 25.08% and SLM's N/A. Such benchmarking helps identify whether Bread Financial Holdings, Inc. is trading at a premium or discount relative to its financial performance.

The company has demonstrated strong financial performance, with total revenue increasing to $1.073 billion in Q1 2026 and net income reaching $179 million in the same quarter. The gross margin has also improved significantly, reaching 82.01% in Q1 2026, which is a positive indicator of profitability.