Bread Financial (BFH) Revenue & Revenue Breakdown

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Bread Financial Revenue Highlights

Latest Revenue (Y)

$4.29B

Latest Revenue (Q)

$1.28B

Main Segment (Y)

Short Term Loyalty Programs

Main Geography (Y)

Bread Financial Revenue by Period

Bread Financial Revenue by Year

Date	Revenue	Change
2023-12-31	$4.29B	10.98%
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 $4.29B in revenue during NA 2023, up 10.98% compared to the previous quarter, and up 75.80% compared to the same period a year ago.

Bread Financial Revenue by Quarter

Date	Revenue	Change
2024-09-30	$1.28B	8.68%
2024-06-30	$1.18B	-5.17%
2024-03-31	$1.24B	21.83%
2023-12-31	$1.02B	-1.36%
2023-09-30	$1.03B	8.30%
2023-06-30	$952.00M	-28.69%
2023-03-31	$1.33B	29.24%
2022-12-31	$1.03B	4.34%
2022-09-30	$990.00M	8.32%
2022-06-30	$914.00M	-2.04%
2022-03-31	$933.00M	1135.76%
2021-12-31	$75.50M	-93.13%
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	5.58%
2018-09-30	$1.95B	2.27%
2018-06-30	$1.90B	1.05%
2018-03-31	$1.88B	-10.54%
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 $1.28B in revenue during Q3 2024, up 8.68% compared to the previous quarter, and up 134.14% 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
Short Term Loyalty Programs	$487.70M	$635.50M	$613.80M
Servicing Fees Net	$-174.90M	$-180.70M	$-97.30M
Other	$1.90M	$95.30M	$90.80M
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
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	-
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
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
E M E A	$332.60M	$449.10M	$526.70M
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	-
Other	$1.90M	-	-
Coalition Loyalty Program	$262.50M	-	-
Servicing Fees Net	$-174.90M	-	-
Short Term Loyalty Programs	$487.70M	-	-
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
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
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	-	-	-	-	-	-	-	-	-	-	-	-	-	-
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
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
Other	$1.60M	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Coalition Loyalty Program	$68.60M	-	-	-	-	-	-	-	-	-	-	-	-	-	-

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
IX	ORIX	$2.81T	$776.50B
DFS	Discover Financial Services	$20.61B	$5.99B
ALLY	Ally Financial	$9.07B	$4.19B
NAVI	Navient	$4.83B	$948.00M
WU	Western Union Company	$4.36B	$1.04B
BFH	Bread Financial	$4.29B	$1.28B
FCFS	FirstCash	$3.15B	$837.32M
ENVA	Enova	$2.12B	$689.92M
SLM	SLM	$1.81B	$652.64M
OPRT	Oportun Financial	$1.06B	$249.95M
EZPW	EZCORP	$1.05B	$281.42M
MFIN	Medallion Financial	$262.36M	$77.00M

BFH Revenue FAQ

What is Bread Financial’s yearly revenue?

Bread Financial's yearly revenue for 2023 was $4.3B, representing an increase of 10.98% compared to 2022. The company's yearly revenue for 2022 was $3.87B, representing an increase of 18.28% compared to 2021. BFH's yearly revenue for 2021 was $3.27B, representing a decrease of -27.63% compared to 2020.

What is Bread Financial’s quarterly revenue?

Bread Financial's quarterly revenue for Q3 2024 was $1.28B, a 8.68% increase from the previous quarter (Q2 2024), and a 23.86% increase year-over-year (Q3 2023). The company's quarterly revenue for Q2 2024 was $1.18B, a -5.17% decrease from the previous quarter (Q1 2024), and a 23.42% increase year-over-year (Q2 2023). BFH's quarterly revenue for Q1 2024 was $1.24B, a 21.83% increase from the previous quarter (Q4 2023), and a -7.19% decrease year-over-year (Q1 2023).

What is Bread Financial’s revenue growth rate?

Bread Financial's revenue growth rate for the last 3 years (2021-2023) was 31.27%, and for the last 5 years (2019-2023) was -23.05%.

What are Bread Financial’s revenue streams?

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