Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc. Depositary Shares, each representing a 1/40th interest in a share of 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred S's next confirmed earnings release is scheduled for January 28, 2027.

These figures are as of June 30, 2026.

Over the twelve months ended June 30, 2026, Bread Financial Holdings, Inc. Depositary Shares, each representing a 1/40th interest in a share of 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred S posted a return on equity (ROE) of 17.30, showing how much profit the company earns on every dollar of shareholder capital. Return on assets (ROA) stands at 2.57, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 8.10, useful for judging operating efficiency across full business cycles. The company generates approximately 659,500.00 in revenue per employee across its workforce of 6,000.00, a quick read on workforce productivity versus industry peers.

Over the twelve months ended June 30, 2026, Bread Financial Holdings, Inc. Depositary Shares, each representing a 1/40th interest in a share of 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred S recorded 115.00M in income tax expense. That works out to an effective tax rate of 16.84, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 683.00M, leaving 569.00M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

These figures are as of the close on October 22, 2026.

These figures cover the twelve months ended June 30, 2026.

As of June 30, 2026, Bread Financial Holdings, Inc. Depositary Shares, each representing a 1/40th interest in a share of 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred S holds 3.85B in cash and equivalents against 3.30B in total debt, resulting in a net debt position of -386.00M.

Bread Financial Holdings, Inc. Depositary Shares, each representing a 1/40th interest in a share of 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred S produced 2.19B in operating cash flow over the twelve months ended June 30, 2026.

These figures cover the twelve months ended June 30, 2026.

These figures cover the twelve months ended June 30, 2026. The dividend payout ratio of 7.27 indicates the proportion of earnings distributed to shareholders, a key gauge of how sustainable the dividend is and how much room remains for future dividend growth.