Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $7.14B | $5.47B | $960M | $840M | $577M | — | — | — | — | — |
| Revenue growth | — | -23.3% | -82.5% | -12.5% | -31.3% | — | — | — | — | — |
| Operating income | $1.27B | $1.52B | $1.76B | $662M | $301M | — | — | — | — | — |
| Operating margin | 17.7% | 27.7% | 183.0% | 78.8% | 52.1% | — | — | — | — | — |
| Net income | $518M | $789M | $963M | $278M | $214M | $801M | $223M | $718M | $277M | $518M |
| Net margin | 7.3% | 14.4% | 100.3% | 33.1% | 37.1% | — | — | — | — | — |
| EPS (diluted) | $7.34 | $14.10 | $17.49 | $5.46 | $4.46 | $16.02 | $4.46 | $14.34 | $5.49 | $10.89 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $2.13B | $2.60B | $2.75B | $1.22B | $1.88B | $1.54B | $1.85B | $1.99B | $1.86B | $2.09B |
| Capital expenditures | $207M | $225M | $200M | $142M | $54.0M | $84.0M | $68.0M | — | — | — |
| Free cash flow | $1.92B | $2.37B | $2.56B | $1.08B | $1.83B | $1.46B | $1.78B | — | — | — |
| Share buybacks | $799M | $554M | $443M | $976M | — | $0.00 | $12.0M | $35.0M | $55.0M | $313M |
| Dividends paid | $30.0M | $116M | $125M | $127M | $61.0M | $42.0M | $43.0M | $42.0M | $43.0M | $40.0M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $1.86B | $4.19B | $3.82B | $3.87B | $2.80B | $3.05B | $3.89B | $3.59B | $3.68B | $3.60B |
| Total assets | $25.5B | $30.7B | $30.4B | $26.5B | $22.5B | $21.7B | $25.4B | $23.1B | $22.9B | $22.7B |
| Total liabilities | $23.9B | $28.8B | $28.1B | $24.9B | $21.0B | $19.7B | $23.1B | $20.2B | $19.8B | $19.3B |
| Long-term debt | $5.60B | $6.08B | $5.74B | $2.85B | $2.81B | $7.44B | $8.01B | $5.29B | $5.56B | $4.31B |
| Shareholders' equity | $1.66B | $1.86B | $2.33B | $1.59B | $1.52B | $2.09B | $2.27B | $2.92B | $3.05B | $3.33B |
| Retained earnings | $3.49B | $4.17B | $5.01B | $5.16B | $4.83B | -$87.0M | $93.0M | $767M | $999M | $1.48B |
| Shares (wtd avg diluted) | 58.9M | 55.9M | 55.1M | 50.9M | 47.9M | 50.0M | 50.0M | 50.0M | 50.4M | 47.6M |
Every figure is extracted from BREAD FINANCIAL HOLDINGS, INC.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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