Filing Flows › Bread Financial Holdings (BFH) › How it makes money
How Bread Financial Holdings (BFH) makes money
Bread Financial Holdings (BFH) made $1.0B of revenue in the third quarter 2026 (Q3 2026), +5% from a year earlier. Of every dollar of revenue, 21¢ was left as operating profit, 15¢ was left as net earnings.
Drawing the Sankey…
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $1.0B | 100.0% |
| Operating profit | $209M | 20.6% |
| Income tax | $53.0M | 5.2% |
| Net earnings | $156M | 15.3% |
| Operating cash flow | $601M | 59.1% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $1.0B | +5% |
| Q2 2026 | $993M | +7% |
| Q1 2026 | $1.0B | +5% |
| Q4 2025 | $975M | +5% |
| Q3 2025 | $971M | -1% |
| Q2 2025 | $929M | -1% |
| Q1 2025 | $970M | -2% |
From Bread Financial Holdings' 10-Q filed Oct 27, 2026 (on EDGAR).
Questions
How does Bread Financial Holdings make money?
Bread Financial Holdings (BFH) made $1.0B of revenue in the third quarter 2026 (Q3 2026), +5% from a year earlier. Of every dollar of revenue, 21¢ was left as operating profit, 15¢ was left as net earnings.
What is Bread Financial Holdings' profit margin?
Net earnings were $156M, 15.3% of revenue, in the third quarter 2026; the operating margin was 20.6%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.