Flagship explainer
How BREAD FINANCIAL HOLDINGS, INC. earns its spread
Start with net interest income, then follow the filed path to net income.
| Filed line | Value | % of net interest income | Source |
|---|---|---|---|
| $4.1B | 100% |
| |
| Income before tax | $615M | 15% |
|
| Income tax | $94M | 2% |
|
| $518M | 13% |
|
Source:
- SEC filing · FY 2025Filing detailsAccession 0001101215-26-000016