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Income Statement (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Revenue | 1.18B | 2.8% |
| Gross Profit | 672M | 2.6% |
| Cost of Revenue | 509M | 3% |
| Operating expense | 476M | 1% |
| Net Income | 188M | 35.3% |
| EBITDA | 215M | 10.3% |
Balance Sheet (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Total Assets | 21.7B | 0.5% |
| Total Liabilities | 18.4B | 1.4% |
| Total Equity | 3.32B | 4.8% |
| Shares Outstanding | 48M | 0.6% |
Cash Flow (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Cash from operations | 605M | 15% |
| Cash from investing | -338M | 52.9% |
| Cash from financing | -306M | 57.7% |
EPS
Financial Highlights for Bread Financial in Q3 '25
Bread Financial reported a revenue of 1.18B, which is a 2.8% change from the previous quarter. An increase in revenue typically indicates growing demand for the company's products or services. This positive change in revenue is a good sign, suggesting that the company's sales are moving in the right direction.
Gross Profit stood at 672M, marking a 2.6% change since the last quarter. Gross profit showcases the efficiency in production and sales processes.
Cost of Revenue was 509M, a 3% difference from the previous quarter. A rising cost of revenue may suggest increased production or sales costs, which can impact margins. However, if accompanied by a proportionate rise in revenue, it could indicate scaling operations.
Operating Expenses for this period were 476M, showing a -1% change from the last quarter. Operating expenses cover the costs of running daily business operations. A significant increase might indicate inefficiencies or investments in growth, while a decrease could suggest cost-saving measures or potential underinvestment in key areas.
Net Income for the quarter was 188M, showing a 35.3% change from the prior quarter. Net income provides a clear picture of the company's profitability after all expenses. An increase suggests the company is becoming more profitable, while a decrease may raise concerns about the company's financial health, unless there are specific one-time costs or investments.
The company's EBITDA for the quarter was 215M, showing a 10.3% change from the previous period. EBITDA gives insight into the company's operational profitability, excluding non-operating expenses like interest and taxes. A rising EBITDA indicates strong operational performance, while a declining EBITDA may signal operational challenges or increased costs.
It was a positive quarter for Bread Financial with growth in revenue, gross profit, and net income. An increase in the cost of revenue, higher than the revenue growth, suggests potential margin pressures.
