Bread Financial (BFH) Revenue & Revenue Breakdown

Overview ForecastOwnership Financials Chart Transcripts

Bread Financial Revenue Highlights

Latest Revenue (Y)

$5.02B

Latest Revenue (Q)

$1.15B

Main Segment (Y)

Short Term Loyalty Programs

Main Geography (Y)

Bread Financial Revenue by Period

Bread Financial Revenue by Year

Date	Revenue	Change
2024-12-31	$5.02B	64.18%
2023-12-31	$3.06B	-20.93%
2022-12-31	$3.87B	18.28%
2021-12-31	$3.27B	-27.63%
2020-12-31	$4.52B	-18.99%
2019-12-31	$5.58B	-1.51%
2018-12-31	$5.67B	-26.59%
2017-12-31	$7.72B	8.14%
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	42.11%
2009-12-31	$1.96B	-3.75%
2008-12-31	$2.04B	-11.34%
2007-12-31	$2.30B	14.79%
2006-12-31	$2.01B	29.17%
2005-12-31	$1.55B	23.46%
2004-12-31	$1.26B	19.85%
2003-12-31	$1.05B	20.39%
2002-12-31	$871.45M	12.11%
2001-12-31	$777.35M	14.62%
2000-12-31	$678.20M	16.31%
1999-12-31	$583.08M	41.90%
1998-12-31	$410.91M	-

Bread Financial generated $5.02B in revenue during NA 2024, up 64.18% compared to the previous quarter, and up 90.01% compared to the same period a year ago.

Bread Financial Revenue by Quarter

Date	Revenue	Change
2025-06-30	$1.15B	-4.10%
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	1240.40%
2021-12-31	$75.50M	-91.13%
2021-09-30	$851.00M	11.39%
2021-06-30	$764.00M	-4.74%
2021-03-31	$802.00M	-27.74%
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 $1.15B in revenue during Q2 2025, up -4.10% compared to the previous quarter, and up 92.49% 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
Coalition Loyalty Program	$262.50M	$290.10M	$352.30M
Other	$1.90M	$95.30M	$90.80M
Short Term Loyalty Programs	$487.70M	$635.50M	$613.80M
Servicing Fees Net	$-174.90M	$-180.70M	$-97.30M
Digital Media Services	-	-	$772.00M
Agency Services	-	-	$329.70M
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
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
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
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
Technology Service	-	-	-	-	-	-	-	-	-	-	-	$284.10M	$249.90M	$249.80M	$239.60M
Digital Media Services	-	-	-	-	-	-	-	-	-	-	-	$226.30M	$189.70M	$178.00M	$177.90M
Agency Services	-	-	-	-	-	-	-	-	-	-	-	$81.20M	$84.50M	$78.90M	$85.10M

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
E M E A	$332.60M	$449.10M	$526.70M
Servicing Fees Net	$-174.90M	-	-
Coalition Loyalty Program	$262.50M	-	-
Other	$1.90M	-	-
Short Term Loyalty Programs	$487.70M	-	-
U	$3.77B	$4.59B	$6.66B
Asia Pacific	$80.50M	$121.70M	$131.30M
C	$286.90M	$352.20M	$427.30M
Other Geographic Regions	$53.70M	$70.00M	-
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
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
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
Short Term Loyalty Programs	$95.80M	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Servicing Fees Net	$-61.70M	-	-	-	-	-	-	-	-	-	-	-	-	-	-
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
NMIH	NMI	$650.97B	$173.78M
SEZL	Sezzle	$271.13B	$104.91M
BFH	Bread Financial	$5.02B	$1.15B
WU	Western Union	$4.21B	$1.03B
ENVA	Enova	$2.66B	$802.68M
SFNC	Simmons First National	$1.31B	$357.38K
PFS	Provident Financial Services	$1.05B	$289.28M
CVBF	CVB Financial	$134.04M	$31.18M
ECC	Eagle Point Credit	$122.69M	$41.94M

BFH Revenue FAQ

What is Bread Financial’s yearly revenue?

Bread Financial's yearly revenue for 2024 was $5.02B, representing an increase of 64.18% compared to 2023. The company's yearly revenue for 2023 was $3.06B, representing a decrease of -20.93% compared to 2022. BFH's yearly revenue for 2022 was $3.87B, representing an increase of 18.28% compared to 2021.

What is Bread Financial’s quarterly revenue?

Bread Financial's quarterly revenue for Q2 2025 was $1.15B, a -4.10% decrease from the previous quarter (Q1 2025), and a -2.88% decrease year-over-year (Q2 2024). The company's quarterly revenue for Q1 2025 was $1.2B, a 3.37% increase from the previous quarter (Q4 2024), and a -3.55% decrease year-over-year (Q1 2024). BFH's quarterly revenue for Q4 2024 was $1.16B, a -5.48% decrease from the previous quarter (Q3 2024), and a -7.89% decrease year-over-year (Q4 2023).

What is Bread Financial’s revenue growth rate?

Bread Financial's revenue growth rate for the last 3 years (2022-2024) was 29.82%, and for the last 5 years (2020-2024) was 11.12%.

What are Bread Financial’s revenue streams?

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

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.