13F Pro quality score
Rank #1,522 of 2,925
Rankings refresh quarterly once 80% of peers have filed. Next update: ~Nov 14, 2026.
Reported revenue, net income and operating margin by fiscal year, from BREAD FINANCIAL HOLDINGS, INC.'s annual filings on SEC EDGAR.
| Period | Form | Revenue | Net income | Op. marginOperating margin |
|---|---|---|---|---|
| FY 2025 | 10-K | $3.8B | $518.0M | 16.0% |
| FY 2024 | 10-K | $3.8B | $277.0M | 9.9% |
| FY 2023 | 10-K | $4.3B | $718.0M | 22.6% |
| FY 2022 | 10-K | $3.8B | $223.0M | 7.8% |
| FY 2021 | 10-K | $3.3B | $801.0M | 31.9% |
| FY 2020 | 10-K | $4.5B | $214.0M | 6.7% |
Ranked by quality-factor profile and overlapping institutional ownership, from the latest 13F filings and SEC financials.
Officers, directors and 10% owners with a Form 4 filed in the last 24 months, most recent first. From SEC EDGAR.
BREAD FINANCIAL HOLDINGS, INC. (BFH) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores BFH at 51.7/100 on a composite quality score built from its SEC filings, placing it at rank #1,522 of 2,925 stocks — the bottom half of the AI-ranked universe. BFH scores in the top quartile across free cash flow (95.9), earnings quality (91.5), profitability (78.1). Areas of concern include institutional flow (5.8) and revenue growth (24.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 46.0/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), BREAD FINANCIAL HOLDINGS, INC. reports quarterly revenue of $993.0M, net income of $146.0M, an operating margin of 19.8%. Top institutional holders of BFH by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. BFH trades on the NYSE exchange and files with the SEC under CIK 1101215. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate BFH daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for BREAD FINANCIAL HOLDINGS, INC. directly from SEC EDGAR.
Financials through the period ended SEC EDGAR: CIK 1101215 →