Bread Financial (BFH) Revenue & Revenue Breakdown
Bread Financial Revenue Highlights
Latest Revenue (Y)
$4.29B
Latest Revenue (Q)
$1.23B
Main Segment (Y)
Short Term Loyalty Programs
Main Geography (Y)
U
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 |
|---|---|---|
| 2024-06-30 | $1.23B | -0.89% |
| 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 $1.23B in revenue during Q2 2024, up -0.89% compared to the previous quarter, and up 91.99% 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 |
| Servicing Fees Net | $-174.90M | $-180.70M | $-97.30M |
| Coalition Loyalty Program | $262.50M | $290.10M | $352.30M |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | - |
| 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 |
| 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 |
| 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 |
|---|---|---|---|
| C | $286.90M | $352.20M | $427.30M |
| E M E A | $332.60M | $449.10M | $526.70M |
| 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 | - | - |
| U | $3.77B | $4.59B | $6.66B |
| Asia Pacific | $80.50M | $121.70M | $131.30M |
| 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 |
| Short Term Loyalty Programs | $95.80M | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Servicing Fees Net | $-61.70M | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 | $4.04B |
| NAVI | Navient | $4.83B | $973.00M |
| WU | Western Union Company | $4.36B | $1.07B |
| BFH | Bread Financial | $4.29B | $1.23B |
| FCFS | FirstCash | $3.15B | $831.01M |
| ENVA | Enova | $2.12B | $628.44M |
| SLM | SLM | $1.81B | $795.58M |
| OPRT | Oportun Financial | $1.06B | $250.40M |
| EZPW | EZCORP | $1.05B | $281.42M |
| MFIN | Medallion Financial | $262.36M | $71.80M |
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 Q2 2024 was $1.23B, a -0.89% decrease from the previous quarter (Q1 2024), and a 28.99% increase year-over-year (Q2 2023). The company'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). BFH's quarterly revenue for Q4 2023 was $1.02B, a -1.36% decrease from the previous quarter (Q3 2023), and a -1.55% decrease year-over-year (Q4 2022).
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 Short Term Loyalty Programs, Servicing Fees Net, Coalition Loyalty Program, and Other. 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. 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.
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.