Bread Financial Holdings Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Year	2023	2022	2021	2020	2019	2018 - 1999
Revenue	3,060	2,232	2,728	2,032	2,862	Upgrade
Revenue Growth (YoY)	37.10%	-18.18%	34.25%	-29.00%	-49.49%	Upgrade
Gross Profit	3,060	2,232	2,728	2,032	2,862	Upgrade
Selling, General & Admin	1,456	1,318	1,154	1,148	1,405	Upgrade
Other Operating Expenses	636	614	530	583	795	Upgrade
Operating Expenses	2,092	1,932	1,684	1,731	2,200	Upgrade
Operating Income	968	300	1,044	301	662	Upgrade
Other Expense / Income	19	1	-4	-6	228	Upgrade
Pretax Income	949	299	1,048	307	434	Upgrade
Income Tax	231	76	247	93	156	Upgrade
Net Income	718	223	801	214	278	Upgrade
Net Income Growth	221.97%	-72.16%	274.30%	-23.02%	-71.13%	Upgrade
Shares Outstanding (Basic)	50	50	50	48	50	Upgrade
Shares Outstanding (Diluted)	50	50	50	48	51	Upgrade
Shares Change	-	-	4.38%	-5.89%	-7.62%	Upgrade
EPS (Basic)	14.39	4.47	16.09	4.47	5.38	Upgrade
EPS (Diluted)	14.34	4.46	16.02	4.46	5.46	Upgrade
EPS Growth	221.52%	-72.16%	259.19%	-18.32%	-68.78%	Upgrade
Free Cash Flow	1,939	1,776	1,463	1,829	1,076	Upgrade
Free Cash Flow Per Share	38.94	35.59	29.44	38.26	21.52	Upgrade
Dividend Per Share	0.840	0.840	0.840	1.260	2.520	Upgrade
Dividend Growth	0%	0%	-33.33%	-50.00%	10.53%	Upgrade
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	Upgrade
Operating Margin	31.63%	13.44%	38.27%	14.81%	23.13%	Upgrade
Profit Margin	23.46%	9.99%	29.36%	10.53%	9.71%	Upgrade
Free Cash Flow Margin	63.37%	79.57%	53.63%	90.01%	37.60%	Upgrade
Effective Tax Rate	24.34%	25.42%	23.57%	30.29%	35.94%	Upgrade
EBITDA	1,065	412	1,171	491	683	Upgrade
EBITDA Margin	34.80%	18.46%	42.93%	24.16%	23.86%	Upgrade
Depreciation & Amortization	116	113	123	184	249	Upgrade
EBIT	949	299	1,048	307	434	Upgrade
EBIT Margin	31.01%	13.40%	38.42%	15.11%	15.16%	Upgrade

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).