Bread Financial (BFH) Revenue & Revenue Breakdown

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Bread Financial Revenue Highlights

Latest Revenue (Y)

$4.70B

Latest Revenue (Q)

$1.19B

Main Segment (Y)

Short Term Loyalty Programs

Main Geography (Y)

Bread Financial Revenue by Period

Bread Financial Revenue by Year

Date	Revenue	Change
2025-12-31	$4.70B	-2.06%
2024-12-31	$4.80B	-7.27%
2023-12-31	$5.17B	18.32%
2022-12-31	$4.37B	33.73%
2021-12-31	$3.27B	-0.85%
2020-12-31	$3.30B	-1.49%
2019-12-31	$3.35B	-40.92%
2018-12-31	$5.67B	3.51%
2017-12-31	$5.47B	-23.30%
2016-12-31	$7.14B	10.85%
2015-12-31	$6.44B	21.44%
2014-12-31	$5.30B	22.78%
2013-12-31	$4.32B	18.61%
2012-12-31	$3.64B	14.75%
2011-12-31	$3.17B	13.68%
2010-12-31	$2.79B	42.10%
2009-12-31	$1.96B	-3.01%
2008-12-31	$2.03B	3.22%
2007-12-31	$1.96B	18.43%
2006-12-31	$1.66B	6.45%
2005-12-31	$1.56B	23.53%
2004-12-31	$1.26B	20.40%
2003-12-31	$1.05B	20.95%
2002-12-31	$865.30M	11.84%
2001-12-31	$773.72M	14.09%
2000-12-31	$678.20M	16.31%
1999-12-31	$583.08M	41.90%
1998-12-31	$410.91M	-

Bread Financial generated $4.70B in revenue during NA 2025, up -2.06% compared to the previous quarter, and up 142.48% compared to the same period a year ago.

Bread Financial Revenue by Quarter

Date	Revenue	Change
2026-06-30	$1.19B	-1.90%
2026-03-31	$1.21B	3.15%
2025-12-31	$1.17B	-0.59%
2025-09-30	$1.18B	2.79%
2025-06-30	$1.15B	-3.85%
2025-03-31	$1.20B	3.37%
2024-12-31	$1.16B	-5.48%
2024-09-30	$1.22B	3.64%
2024-06-30	$1.18B	-4.76%
2024-03-31	$1.24B	-1.27%
2023-12-31	$1.25B	0.40%
2023-09-30	$1.25B	8.04%
2023-06-30	$1.16B	-23.53%
2023-03-31	$1.51B	23.21%
2022-12-31	$1.23B	9.35%
2022-09-30	$1.12B	11.30%
2022-06-30	$1.01B	-0.30%
2022-03-31	$1.01B	7.77%
2021-12-31	$939.00M	-14.58%
2021-09-30	$1.10B	8.58%
2021-06-30	$1.01B	-6.68%
2021-03-31	$1.08B	-2.25%
2020-12-31	$1.11B	5.65%
2020-09-30	$1.05B	7.27%
2020-06-30	$979.30M	-29.13%
2020-03-31	$1.38B	-5.42%
2019-12-31	$1.46B	1.63%
2019-09-30	$1.44B	6.61%
2019-06-30	$1.35B	1.07%
2019-03-31	$1.33B	-35.10%
2018-12-31	$2.06B	44.47%
2018-09-30	$1.42B	1.85%
2018-06-30	$1.40B	1.12%
2018-03-31	$1.38B	-34.40%
2017-12-31	$2.11B	10.13%
2017-09-30	$1.91B	4.97%
2017-06-30	$1.82B	-3.04%
2017-03-31	$1.88B	2.81%
2016-12-31	$1.83B	-3.08%
2016-09-30	$1.89B	7.82%
2016-06-30	$1.75B	4.34%
2016-03-31	$1.68B	-4.16%
2015-12-31	$1.75B	10.05%
2015-09-30	$1.59B	5.90%
2015-06-30	$1.50B	-6.28%
2015-03-31	$1.60B	7.77%
2014-12-31	$1.49B	12.63%
2014-09-30	$1.32B	4.27%
2014-06-30	$1.27B	2.62%
2014-03-31	$1.23B	8.05%
2013-12-31	$1.14B	4.07%
2013-09-30	$1.10B	6.65%
2013-06-30	$1.03B	-2.41%
2013-03-31	$1.05B	8.40%
2012-12-31	$971.84M	6.62%
2012-09-30	$911.49M	5.19%
2012-06-30	$866.49M	-2.81%
2012-03-31	$891.57M	5.19%
2011-12-31	$847.55M	0.32%
2011-09-30	$844.84M	14.10%
2011-06-30	$740.46M	0.00%
2011-03-31	$740.44M	-2.02%
2010-12-31	$755.72M	7.58%
2010-09-30	$702.44M	4.89%
2010-06-30	$669.72M	0.93%
2010-03-31	$663.54M	22.77%
2009-12-31	$540.49M	11.86%
2009-09-30	$483.19M	4.95%
2009-06-30	$460.41M	-4.13%
2009-03-31	$480.26M	-8.20%
2008-12-31	$523.18M	2.34%
2008-09-30	$511.23M	0.79%
2008-06-30	$507.21M	1.59%
2008-03-31	$499.25M	-18.61%
2007-12-31	$613.40M	-

Bread Financial generated $1.19B in revenue during Q2 2026, up -1.90% compared to the previous quarter, and up 99.41% compared to the same period a year ago.

Bread Financial Revenue Breakdown

Bread Financial Revenue Breakdown by Product

Annual Revenue by Product

Product/Service	Dec 20	Dec 19	Dec 18
Short Term Loyalty Programs	$487.70M	$635.50M	$613.80M
Other	$1.90M	$95.30M	$90.80M
Servicing Fees Net	$-174.90M	$-180.70M	$-97.30M
Coalition Loyalty Program	$262.50M	$290.10M	$352.30M
Agency Services	-	-	$329.70M
Digital Media Services	-	-	$772.00M
Technology Service	-	-	$1.02B

Bread Financial's latest annual revenue breakdown by segment (product or service), as of Dec 20: Short Term Loyalty Programs (84.49%), Coalition Loyalty Program (45.48%), Other (0.33%), and Servicing Fees Net (-30.30%).

Quarterly Revenue by Product

Product/Service	Sep 21	Jun 21	Mar 21	Dec 20	Sep 20	Jun 20	Mar 20	Dec 19	Sep 19	Jun 19	Mar 19	Dec 18	Sep 18	Jun 18	Mar 18
Coalition Loyalty Program	$68.60M	$68.50M	$66.80M	$66.60M	$63.00M	$61.60M	$71.30M	$75.30M	$72.00M	$71.40M	$71.40M	$86.10M	$83.80M	$92.50M	$89.90M
Other	$1.60M	$2.40M	$-4.10M	$1.10M	$1.60M	$3.40M	$25.30M	$26.20M	$24.00M	$19.80M	$23.00M	$25.10M	$23.00M	$19.60M	-
Short Term Loyalty Programs	$95.80M	$76.60M	$106.30M	$165.20M	$117.40M	$84.80M	$120.30M	$228.60M	$144.20M	$153.10M	$109.60M	$221.00M	$148.40M	$130.30M	$114.20M
Servicing Fees Net	$-61.70M	$-51.40M	$-32.30M	$-68.70M	$-47.00M	$-28.50M	$-30.70M	$-86.80M	$-43.80M	$-31.50M	$-18.60M	$-62.20M	$-34.70M	$1.60M	$-2.00M
Agency Services	-	-	-	-	-	-	-	-	-	-	-	$81.20M	$84.50M	$78.90M	$85.10M
Digital Media Services	-	-	-	-	-	-	-	-	-	-	-	$226.30M	$189.70M	$178.00M	$177.90M
Technology Service	-	-	-	-	-	-	-	-	-	-	-	$284.10M	$249.90M	$249.80M	$239.60M

Bread Financial's latest quarterly revenue breakdown by segment (product or service), as of Sep 21: Short Term Loyalty Programs (91.85%), Coalition Loyalty Program (65.77%), Other (1.53%), and Servicing Fees Net (-59.16%).

Bread Financial Revenue Breakdown by Country

Annual Revenue by Country

Country	Dec 20	Dec 19	Dec 18
Short Term Loyalty Programs	$487.70M	-	-
U	$3.77B	$4.59B	$6.66B
Other Geographic Regions	$53.70M	$70.00M	-
Other	$1.90M	-	-
E M E A	$332.60M	$449.10M	$526.70M
C	$286.90M	$352.20M	$427.30M
Asia Pacific	$80.50M	$121.70M	$131.30M
Coalition Loyalty Program	$262.50M	-	-
Servicing Fees Net	$-174.90M	-	-
Non Us	-	-	$48.80M

Bread Financial's latest annual revenue breakdown by geography, as of Dec 20: U (73.90%), Short Term Loyalty Programs (9.57%), E M E A (6.52%), C (5.63%), Coalition Loyalty Program (5.15%), Asia Pacific (1.58%), Other Geographic Regions (1.05%), Other (0.04%), and Servicing Fees Net (-3.43%).

Quarterly Revenue by Country

Country	Sep 21	Jun 21	Mar 21	Dec 20	Sep 20	Jun 20	Mar 20	Dec 19	Sep 19	Jun 19	Mar 19	Dec 18	Sep 18	Jun 18	Mar 18
Asia Pacific	$23.00M	$19.80M	$14.90M	$17.50M	$12.60M	$13.40M	$37.00M	$40.10M	$40.00M	$24.20M	$17.50M	$47.10M	$34.20M	$31.00M	$19.00M
Servicing Fees Net	$-61.70M	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Short Term Loyalty Programs	$95.80M	-	-	-	-	-	-	-	-	-	-	-	-	-	-
U	$929.90M	$863.00M	$909.20M	$880.50M	$869.00M	$832.40M	$1.19B	$1.14B	$1.20B	$1.11B	$1.14B	$1.71B	$1.67B	$1.64B	$1.64B
E M E A	$68.10M	$52.50M	$79.40M	$136.40M	$76.90M	$50.70M	$68.60M	$173.10M	$77.00M	$117.60M	$81.40M	$184.60M	$121.10M	$107.20M	$113.80M
Other Geographic Regions	$2.30M	$3.50M	$1.40M	$2.70M	$21.70M	$18.10M	$11.30M	$18.40M	$27.30M	$14.80M	$9.50M	$16.50M	$14.00M	$16.90M	$1.40M
Coalition Loyalty Program	$68.60M	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other	$1.60M	-	-	-	-	-	-	-	-	-	-	-	-	-	-
C	$76.00M	$73.60M	$80.00M	$72.80M	$70.30M	$64.70M	$79.10M	$88.90M	$88.90M	$85.40M	$89.00M	$101.70M	$106.50M	$109.80M	$109.30M

Bread Financial's latest quarterly revenue breakdown by geography, as of Sep 21: U (77.26%), Short Term Loyalty Programs (7.96%), C (6.31%), Coalition Loyalty Program (5.70%), E M E A (5.66%), Asia Pacific (1.91%), Other Geographic Regions (0.19%), Other (0.13%), and Servicing Fees Net (-5.13%).

Bread Financial Peer Comparison by Revenue

Ticker	Company	Last Year Revenue	Last Quarter Revenue
ETOR	eToro Group	$12.62B	$3.75B
BHF	Brighthouse Financial	$6.21B	$1.62B
KMPR	Kemper	$4.79B	$1.09B
BFH	Bread Financial	$4.70B	$1.19B
WU	Western Union	$4.04B	$1.01B
ENVA	Enova	$3.15B	$928.93M
WSBC	WesBanco	$1.43B	$385.98M
NMIH	NMI	$705.58M	$187.89M
TBBK	Bancorp	$690.46M	$205.16M
WSFS	WSFS Financial	-	$346.80M

BFH Revenue FAQ

What is Bread Financial’s yearly revenue?

Bread Financial's yearly revenue for 2025 was $4.7B, representing a decrease of -2.06% compared to 2024. The company's yearly revenue for 2024 was $4.8B, representing a decrease of -7.27% compared to 2023. BFH's yearly revenue for 2023 was $5.17B, representing an increase of 18.32% compared to 2022.

What is Bread Financial’s quarterly revenue?

Bread Financial's quarterly revenue for Q2 2026 was $1.19B, a -1.90% decrease from the previous quarter (Q1 2026), and a 3.39% increase year-over-year (Q2 2025). The company's quarterly revenue for Q1 2026 was $1.21B, a 3.15% increase from the previous quarter (Q4 2025), and a 1.34% increase year-over-year (Q1 2025). BFH's quarterly revenue for Q4 2025 was $1.17B, a -0.59% decrease from the previous quarter (Q3 2025), and a 1.56% increase year-over-year (Q4 2024).

What is Bread Financial’s revenue growth rate?

Bread Financial's revenue growth rate for the last 3 years (2023-2025) was -9.18%, and for the last 5 years (2021-2025) was 43.70%.

What are Bread Financial’s revenue streams?

Bread Financial's revenue streams in c 20 are Short Term Loyalty Programs, Other, Servicing Fees Net, and Coalition Loyalty Program. Short Term Loyalty Programs generated $487.7M in revenue, accounting 84.49% of the company's total revenue, down -23.26% year-over-year. Other generated $1.9M in revenue, accounting 0.33% of the company's total revenue, down -98.01% year-over-year. Servicing Fees Net generated $-175M in revenue, accounting -30.30% of the company's total revenue, down -3.21% year-over-year. Coalition Loyalty Program generated $262.5M in revenue, accounting 45.48% of the company's total revenue, down -9.51% year-over-year.

What is Bread Financial’s main source of revenue?

For the fiscal year ending Dec 20, the largest source of revenue of Bread Financial was Short Term Loyalty Programs. This segment made a revenue of $487.7M, representing 84.49% of the company's total revenue.