Bread Financial provides private-label and co-branded credit cards and related consumer financing for retailers and brand partners. It underwrites and services store cards and digital payment products that sit at the point of sale, earning net interest income and fees from cardholder activity. Merchants use the programs to drive loyalty and sales; consumers gain revolving credit tied to specific retail brands.
| Quarter | Revenue | YoY % | Earnings | YoY % |
|---|---|---|---|---|
| Q1 2025 | 970 | — | 138 | 2.3% |
| Q2 2025 | 929 | — | 139 | 4.5% |
| Q3 2025 | 971 | — | 188 | 105.7% |
| Q4 2025 | 975 | — | 54 | 164.9% |
| Q1 2026 | 1,018 | 5% | 179 | 29.7% |
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