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    BFH

    BREAD FINANCIAL HOLDINGS, INC.

    Company overview

    Market capitalization
    —
    Employees
    6,000
    Latest publication
    2026-09-29
    About BREAD FINANCIAL HOLDINGS, INC.

    Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.

    Company website

    Financial statements

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USDQ1 20242024-03-31 · USD
    Total Revenue993,000,000USD1,211,000,000USD1,174,000,000USD1,181,000,000USD1,149,000,000USD1,223,000,000USD1,180,000,000USD1,239,000,000USD
    Selling And Marketing Expenses36,000,000USD35,000,000USD44,000,000USD38,000,000USD34,000,000USD38,000,000USD33,000,000USD28,000,000USD
    Total Operating Expenses36,000,000USD472,000,000USD928,000,000USD476,000,000USD481,000,000USD574,000,000USD469,000,000USD482,000,000USD
    Interest Income1,234,000,000USD1,260,000,000USD1,246,000,000USD1,242,000,000USD1,194,000,000USD1,277,000,000USD1,228,000,000USD1,300,000,000USD
    Interest Expense195,000,000USD193,000,000USD199,000,000USD210,000,000USD220,000,000USD240,000,000USD241,000,000USD248,000,000USD
    Net Interest Income1,039,000,000USD1,067,000,000USD1,047,000,000USD1,032,000,000USD974,000,000USD1,037,000,000USD987,000,000USD1,052,000,000USD
    Revenue Net Of Interest Expense993,000,000USD———————
    Provision For Credit Losses313,000,000USD———————
    Non Interest Expense483,000,000USD———————
    Depreciation And Amortization19,000,000USD19,000,000USD19,000,000USD19,000,000USD21,000,000USD22,000,000USD23,000,000USD23,000,000USD
    Income Before Tax197,000,000USD243,000,000USD47,000,000USD196,000,000USD174,000,000USD40,000,000USD180,000,000USD188,000,000USD
    Income Tax Expense51,000,000USD62,000,000USD-6,000,000USD8,000,000USD35,000,000USD37,000,000USD47,000,000USD53,000,000USD
    Discontinued Operations0USD———————
    Net Income146,000,000USD181,000,000USD53,000,000USD188,000,000USD139,000,000USD2,000,000USD133,000,000USD134,000,000USD
    Net Income Applicable To Common Shares144,000,000USD—53,000,000USD188,000,000USD139,000,000USD2,000,000USD——
    Cost Of Revenue—496,000,000USD199,000,000USD509,000,000USD494,000,000USD609,000,000USD531,000,000USD569,000,000USD
    Gross Profit—715,000,000USD975,000,000USD672,000,000USD655,000,000USD614,000,000USD649,000,000USD670,000,000USD
    Selling General Administrative—220,000,000USD511,000,000USD222,000,000USD212,000,000USD228,000,000USD214,000,000USD213,000,000USD
    Unclassified Operating Expenses—217,000,000USD373,000,000USD216,000,000USD235,000,000USD308,000,000USD222,000,000USD241,000,000USD
    Operating Income—243,000,000USD47,000,000USD196,000,000USD174,000,000USD40,000,000USD180,000,000USD188,000,000USD
    Tax Provision—62,000,000USD-6,000,000USD8,000,000USD35,000,000USD37,000,000USD47,000,000USD53,000,000USD
    Net Income From Continuing Ops—181,000,000USD53,000,000USD188,000,000USD139,000,000USD3,000,000USD133,000,000USD135,000,000USD
    Ebit—243,000,000USD47,000,000USD196,000,000USD174,000,000USD40,000,000USD180,000,000USD188,000,000USD
    Ebitda—262,000,000USD66,000,000USD215,000,000USD195,000,000USD62,000,000USD203,000,000USD211,000,000USD
    Reconciled Depreciation—19,000,000USD19,000,000USD19,000,000USD21,000,000USD22,000,000USD23,000,000USD23,000,000USD
    Total Other Income Expense Net———8,000,000USD—37,000,000USD-120,000,000USD-138,000,000USD
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Income Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USDFY 20162016-12-31 · USD
    Total Revenue4,699,000,000USD3,838,000,000USD3,826,000,000USD3,270,000,000USD3,298,000,000USD3,348,000,000USD5,666,600,000USD7,138,100,000USD
    Cost Of Revenue1,723,000,000USD1,397,000,000USD1,594,000,000USD1,593,000,000USD2,571,200,000USD3,256,800,000USD3,079,500,000USD4,705,300,000USD
    Gross Profit2,976,000,000USD2,441,000,000USD2,232,000,000USD2,062,000,000USD1,950,200,000USD2,324,500,000USD2,587,100,000USD2,432,800,000USD
    Selling General Administrative1,160,000,000USD897,000,000USD779,000,000USD671,000,000USD609,000,000USD721,000,000USD162,500,000USD143,200,000USD
    Selling And Marketing Expenses151,000,000USD147,000,000USD——————
    Unclassified Operating Expenses1,051,000,000USD2,794,000,000USD-599,000,000USD-38,000,000USD-770,600,000USD-1,937,200,000USD667,300,000USD1,024,100,000USD
    Total Operating Expenses2,362,000,000USD3,838,000,000USD180,000,000USD633,000,000USD-161,600,000USD-1,216,200,000USD829,800,000USD1,167,300,000USD
    Operating Income614,000,000USD279,000,000USD802,000,000USD1,044,000,000USD888,400,000USD1,307,400,000USD1,757,300,000USD1,265,500,000USD
    Interest Income4,912,000,000USD5,024,000,000USD4,684,000,000USD3,868,000,000USD3,952,000,000USD—542,300,000USD428,500,000USD
    Interest Expense854,000,000USD960,000,000USD503,000,000USD383,000,000USD499,000,000USD638,000,000USD156,400,000USD218,200,000USD
    Net Interest Income4,058,000,000USD4,064,000,000USD4,181,000,000USD3,485,000,000USD-108,500,000USD-130,000,000USD-284,700,000USD—
    Income Before Tax614,000,000USD381,000,000USD300,000,000USD1,044,000,000USD301,000,000USD662,000,000USD1,215,000,000USD837,000,000USD
    Income Tax Expense92,000,000USD102,000,000USD76,000,000USD247,000,000USD93,000,000USD156,000,000USD269,500,000USD319,400,000USD
    Tax Provision94,000,000USD102,000,000USD76,000,000USD247,000,000USD99,500,000USD165,800,000USD260,600,000USD319,400,000USD
    Net Income518,000,000USD277,000,000USD223,000,000USD801,000,000USD214,000,000USD278,000,000USD963,100,000USD515,800,000USD
    Net Income From Continuing Ops521,000,000USD279,000,000USD224,000,000USD797,000,000USD295,000,000USD572,600,000USD963,100,000USD—
    Ebit614,000,000USD1,341,000,000USD802,000,000USD1,044,000,000USD365,000,000USD745,000,000USD1,215,000,000USD837,000,000USD
    Ebitda694,000,000USD1,431,000,000USD915,000,000USD1,167,000,000USD549,000,000USD994,000,000USD1,702,300,000USD1,349,100,000USD
    Depreciation And Amortization80,000,000USD90,000,000USD113,000,000USD123,000,000USD184,000,000USD249,000,000USD487,300,000USD512,100,000USD
    Reconciled Depreciation80,000,000USD90,000,000USD113,000,000USD123,000,000USD183,800,000USD249,300,000USD487,300,000USD—
    Net Income Applicable To Common Shares518,000,000USD277,000,000USD223,000,000USD801,000,000USD214,000,000USD269,000,000USD963,100,000USD432,300,000USD
    Total Other Income Expense Net—102,000,000USD-502,000,000USD-519,000,000USD-587,400,000USD-645,400,000USD-542,300,000USD-428,500,000USD
    Discontinued Operations——-1,000,000USD4,000,000USD6,000,000USD-228,000,000USD17,600,000USD—
    Minority Interest——————0USD—
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USD
    Total Assets22,452,000,000USD22,308,000,000USD22,663,000,000USD21,714,000,000USD21,821,000,000USD22,382,000,000USD22,891,000,000USD21,736,000,000USD
    Cash And Equivalents3,683,000,000USD—3,604,000,000USD3,764,000,000USD3,799,000,000USD4,212,000,000USD3,679,000,000USD3,451,000,000USD
    Total Liabilities19,087,000,000USD———————
    Total Stockholder Equity3,365,000,000USD3,325,000,000USD3,327,000,000USD3,317,000,000USD3,166,000,000USD3,068,000,000USD3,051,000,000USD3,112,000,000USD
    Total Equity Including Noncontrolling Interest3,365,000,000USD———————
    Property Plant Equipment Net104,000,000USD112,000,000USD180,000,000USD122,000,000USD127,000,000USD133,000,000USD229,000,000USD148,000,000USD
    Common Stock0USD—0USD1,000,000USD1,000,000USD1,000,000USD1,000,000USD1,000,000USD
    Retained Earnings1,779,000,000USD1,643,000,000USD1,475,000,000USD1,432,000,000USD1,255,000,000USD1,126,000,000USD999,000,000USD1,003,000,000USD
    Accumulated Other Comprehensive Income-17,000,000USD-17,000,000USD-16,000,000USD-16,000,000USD-19,000,000USD-19,000,000USD-22,000,000USD-16,000,000USD
    Total Liab—18,983,000,000USD19,336,000,000USD18,397,000,000USD18,655,000,000USD19,314,000,000USD19,840,000,000USD18,624,000,000USD
    Other Current Liab—14,073,000,000USD14,395,000,000USD13,535,000,000USD13,340,000,000USD13,099,000,000USD13,377,000,000USD12,847,000,000USD
    Capital Stock—0USD0USD1,000,000USD1,000,000USD1,000,000USD1,000,000USD1,000,000USD
    Good Will—708,000,000USD634,000,000USD723,000,000USD731,000,000USD738,000,000USD634,000,000USD754,000,000USD
    Cash—3,637,000,000USD3,604,000,000USD3,764,000,000USD3,799,000,000USD4,212,000,000USD3,679,000,000USD3,451,000,000USD
    Cash And Short Term Investments—3,637,000,000USD3,775,000,000USD3,938,000,000USD3,975,000,000USD4,384,000,000USD3,849,000,000USD3,633,000,000USD
    Total Current Assets—3,637,000,000USD3,947,000,000USD3,938,000,000USD3,975,000,000USD4,384,000,000USD4,029,000,000USD3,633,000,000USD
    Total Current Liabilities—14,073,000,000USD14,684,000,000USD13,535,000,000USD13,340,000,000USD13,099,000,000USD13,953,000,000USD12,847,000,000USD
    Net Debt—304,000,000USD789,000,000USD23,000,000USD428,000,000USD909,000,000USD2,006,000,000USD1,133,000,000USD
    Short Long Term Debt Total—3,941,000,000USD4,393,000,000USD3,787,000,000USD4,227,000,000USD5,121,000,000USD5,685,000,000USD4,584,000,000USD
    Long Term Debt—3,941,000,000USD4,308,000,000USD3,787,000,000USD4,227,000,000USD5,121,000,000USD5,557,000,000USD4,584,000,000USD
    Long Term Investments—286,000,000USD284,000,000USD284,000,000USD277,000,000USD272,000,000USD266,000,000USD277,000,000USD
    Short Term Investments—172,000,000USD171,000,000USD174,000,000USD176,000,000USD172,000,000USD170,000,000USD182,000,000USD
    Common Stock Shares Outstanding—43,200,000shares46,000,000shares47,500,000shares47,200,000shares49,600,000shares50,400,000shares51,000,000shares
    Non Current Assets Total—18,671,000,000USD18,716,000,000USD17,776,000,000USD17,846,000,000USD17,998,000,000USD18,862,000,000USD18,103,000,000USD
    Non Current Liabilities Total—4,910,000,000USD4,652,000,000USD4,862,000,000USD5,315,000,000USD6,215,000,000USD5,887,000,000USD5,777,000,000USD
    Non Currrent Assets Other—1,508,000,000USD392,000,000USD1,236,000,000USD1,329,000,000USD1,384,000,000USD428,000,000USD1,363,000,000USD
    Unclassified Current Assets—-172,000,000USD—-15,585,000,000USD-15,558,000,000USD-15,643,000,000USD—-19,214,000,000USD
    Unclassified Non Current Assets—16,057,000,000USD15,901,000,000USD-2,133,000,000USD14,632,000,000USD-2,566,000,000USD-1,131,000,000USD-2,529,000,000USD
    Unclassified Non Current Liabilities—969,000,000USD344,000,000USD1,075,000,000USD1,088,000,000USD1,094,000,000USD330,000,000USD1,193,000,000USD
    Unclassified Equity—1,699,000,000USD1,868,000,000USD1,899,000,000USD1,928,000,000USD1,959,000,000USD2,072,000,000USD2,123,000,000USD
    Intangible Assets——82,000,000USD723,000,000USD731,000,000USD738,000,000USD112,000,000USD754,000,000USD
    Other Current Assets——24,000,000USD———35,000,000USD3,471,000,000USD
    Other Assets——1,243,000,000USD16,821,000,000USD19,000,000USD17,299,000,000USD18,324,000,000USD17,336,000,000USD
    Short Term Debt——13,916,000,000USD1,335,000,000USD13,340,000,000USD13,099,000,000USD3,237,000,000USD12,847,000,000USD
    Short Long Term Debt——0USD0USD0USD0USD0USD0USD
    Net Receivables——148,000,000USD15,585,000,000USD15,558,000,000USD15,643,000,000USD145,000,000USD15,743,000,000USD
    Accounts Payable——289,000,000USD———326,000,000USD—
    Property Plant Equipment Gross——180,000,000USD———229,000,000USD—
    Unclassified Current Liabilities——-13,916,000,000USD-1,335,000,000USD-13,340,000,000USD-13,099,000,000USD-2,987,000,000USD-12,847,000,000USD
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Total Assets22,663,000,000USD22,891,000,000USD23,141,000,000USD25,407,000,000USD21,746,000,000USD22,547,100,000USD26,494,800,000USD30,387,700,000USD
    Intangible Assets82,000,000USD112,000,000USD128,000,000USD165,000,000USD53,000,000USD81,700,000USD153,300,000USD217,400,000USD
    Other Current Assets24,000,000USD35,000,000USD26,000,000USD618,000,000USD151,000,000USD534,900,000USD268,400,000USD293,200,000USD
    Total Liab19,336,000,000USD19,840,000,000USD20,223,000,000USD23,142,000,000USD19,660,000,000USD21,025,500,000USD24,873,600,000USD28,055,600,000USD
    Total Stockholder Equity3,327,000,000USD3,051,000,000USD2,918,000,000USD2,265,000,000USD2,086,000,000USD1,521,600,000USD1,621,200,000USD2,332,100,000USD
    Other Current Liab14,395,000,000USD13,377,000,000USD13,893,000,000USD-398,000,000USD11,477,000,000USD-2,303,900,000USD-3,455,600,000USD7,375,200,000USD
    Common Stock0USD1,000,000USD1,000,000USD1,000,000USD1,000,000USD1,200,000USD1,100,000USD1,100,000USD
    Capital Stock0USD1,000,000USD1,000,000USD1,000,000USD1,000,000USD1,200,000USD1,100,000USD1,100,000USD
    Retained Earnings1,475,000,000USD999,000,000USD767,000,000USD93,000,000USD-87,000,000USD4,832,100,000USD5,163,300,000USD5,012,400,000USD
    Good Will634,000,000USD634,000,000USD634,000,000USD634,000,000USD634,000,000USD1,369,600,000USD954,900,000USD954,800,000USD
    Other Assets1,243,000,000USD18,324,000,000USD796,000,000USD19,948,000,000USD817,000,000USD807,000,000USD727,300,000USD4,215,600,000USD
    Cash3,604,000,000USD3,679,000,000USD3,590,000,000USD3,891,000,000USD3,046,000,000USD3,081,500,000USD3,874,400,000USD3,817,400,000USD
    Cash And Equivalents3,604,000,000USD3,679,000,000USD3,590,000,000USD3,891,000,000USD3,046,000,000USD3,081,500,000USD3,874,400,000USD3,817,400,000USD
    Cash And Short Term Investments3,775,000,000USD3,849,000,000USD3,761,000,000USD3,986,000,000USD3,111,000,000USD3,081,500,000USD3,874,400,000USD3,817,400,000USD
    Total Current Assets3,947,000,000USD4,029,000,000USD3,931,000,000USD4,150,000,000USD19,857,000,000USD18,551,400,000USD23,175,200,000USD24,711,700,000USD
    Total Current Liabilities14,684,000,000USD13,953,000,000USD14,601,000,000USD398,000,000USD11,768,000,000USD1,004,000,000USD922,000,000USD11,484,000,000USD
    Net Debt789,000,000USD2,006,000,000USD1,850,000,000USD4,242,000,000USD4,527,000,000USD5,734,100,000USD6,573,800,000USD9,559,700,000USD
    Short Term Debt13,916,000,000USD3,237,000,000USD284,000,000USD6,286,000,000USD3,285,000,000USD1,975,700,000USD3,154,800,000USD2,856,500,000USD
    Short Long Term Debt0USD0USD0USD0USD0USD1,952,100,000USD3,132,200,000USD2,862,100,000USD
    Short Long Term Debt Total4,393,000,000USD5,685,000,000USD5,440,000,000USD14,293,000,000USD21,751,000,000USD11,777,900,000USD15,365,800,000USD18,633,100,000USD
    Long Term Debt4,308,000,000USD5,557,000,000USD5,292,000,000USD8,007,000,000USD7,439,000,000USD6,563,500,000USD7,001,700,000USD10,527,500,000USD
    Long Term Investments284,000,000USD266,000,000USD253,000,000USD227,000,000USD224,000,000USD225,000,000USD——
    Short Term Investments171,000,000USD170,000,000USD171,000,000USD95,000,000USD239,000,000USD638,100,000USD561,500,000USD514,700,000USD
    Net Receivables148,000,000USD145,000,000USD144,000,000USD164,000,000USD151,000,000USD14,776,400,000USD18,292,000,000USD17,220,700,000USD
    Accounts Payable289,000,000USD326,000,000USD422,000,000USD398,000,000USD291,000,000USD328,200,000USD300,800,000USD486,200,000USD
    Property Plant Equipment Net180,000,000USD229,000,000USD265,000,000USD283,000,000USD312,000,000USD233,200,000USD264,300,000USD288,200,000USD
    Property Plant Equipment Gross180,000,000USD229,000,000USD608,000,000USD570,000,000USD568,000,000USD233,200,000USD264,300,000USD—
    Accumulated Other Comprehensive Income-16,000,000USD-22,000,000USD-19,000,000USD-21,000,000USD-2,000,000USD-5,000,000USD-99,900,000USD-138,100,000USD
    Common Stock Shares Outstanding46,000,000shares50,400,000shares50,000,000shares50,000,000shares50,000,000shares47,900,000shares50,000,000shares55,100,000shares
    Non Current Assets Total18,716,000,000USD18,862,000,000USD19,210,000,000USD1,309,000,000USD1,889,000,000USD3,995,700,000USD3,319,600,000USD5,676,000,000USD
    Non Current Liabilities Total4,652,000,000USD5,887,000,000USD5,622,000,000USD398,000,000USD7,892,000,000USD20,021,500,000USD23,951,600,000USD16,571,600,000USD
    Non Currrent Assets Other392,000,000USD428,000,000USD467,000,000USD-743,000,000USD299,000,000USD2,311,200,000USD1,947,100,000USD4,171,600,000USD
    Unclassified Non Current Assets15,901,000,000USD-1,131,000,000USD16,667,000,000USD-19,948,000,000USD-450,000,000USD-1,032,000,000USD-727,300,000USD-4,171,600,000USD
    Unclassified Current Liabilities-13,916,000,000USD-2,987,000,000USD—-6,286,000,000USD-3,285,000,000USD-4,256,000,000USD-6,587,800,000USD-2,862,100,000USD
    Unclassified Non Current Liabilities344,000,000USD330,000,000USD330,000,000USD-8,432,000,000USD-3,540,000,000USD9,039,800,000USD10,871,100,000USD-429,200,000USD
    Unclassified Equity1,868,000,000USD2,072,000,000USD2,168,000,000USD2,191,000,000USD2,173,000,000USD3,426,000,000USD3,289,500,000USD3,171,300,000USD
    Current Deferred Revenue——138,000,000USD-5,888,000,000USD-3,285,000,000USD1,004,000,000USD922,000,000USD766,100,000USD
    Inventory——-974,000,000USD-618,000,000USD16,444,000,000USD164,300,000USD218,000,000USD248,000,000USD
    Deferred Long Term Liab———344,000,000USD364,000,000USD311,000,000USD——
    Other Liab———479,000,000USD449,000,000USD449,000,000USD531,800,000USD795,000,000USD
    Net Tangible Assets———1,466,000,000USD1,399,000,000USD811,000,000USD406,100,000USD1,072,400,000USD
    Unclassified Current Assets———-618,000,000USD—-643,800,000USD—2,617,700,000USD
    Non Current Liabilities Other————3,180,000,000USD3,658,200,000USD5,547,000,000USD5,678,300,000USD
    Net Working Capital————8,089,000,000USD9,212,500,000USD12,240,700,000USD13,227,700,000USD
    Treasury Stock—————-6,733,900,000USD-6,733,900,000USD-5,715,700,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USD
    Net Income181,000,000USD54,000,000USD188,000,000USD138,000,000USD138,000,000USD7,000,000USD2,000,000USD134,000,000USD
    Depreciation19,000,000USD19,000,000USD19,000,000USD21,000,000USD21,000,000USD22,000,000USD22,000,000USD23,000,000USD
    Stock Based Compensation15,000,000USD15,000,000USD13,000,000USD15,000,000USD13,000,000USD13,000,000USD13,000,000USD13,000,000USD
    Other Non Cash Items333,000,000USD446,000,000USD320,000,000USD302,000,000USD319,000,000USD444,000,000USD483,000,000USD306,000,000USD
    Change In Working Capital-73,000,000USD39,000,000USD-13,000,000USD56,000,000USD-121,000,000USD14,000,000USD-45,000,000USD-10,000,000USD
    Total Cash From Operating Activities487,000,000USD568,000,000USD605,000,000USD526,000,000USD393,000,000USD479,000,000USD456,000,000USD477,000,000USD
    Capital Expenditures-7,000,000USD-8,000,000USD-8,000,000USD-12,000,000USD-5,000,000USD-7,000,000USD26,000,000USD-9,000,000USD
    Free Cash Flow487,000,000USD568,000,000USD597,000,000USD526,000,000USD393,000,000USD479,000,000USD482,000,000USD468,000,000USD
    Investments-4,000,000USD2,000,000USD-338,000,000USD-221,000,000USD691,000,000USD-1,351,000,000USD-569,000,000USD31,000,000USD
    Total Cashflows From Investing Activities317,000,000USD-1,503,000,000USD-338,000,000USD-221,000,000USD691,000,000USD-1,351,000,000USD-569,000,000USD31,000,000USD
    Net Borrowings-433,000,000USD473,000,000USD-448,000,000USD-907,000,000USD-435,000,000USD942,000,000USD-327,000,000USD—
    Total Cash From Financing Activities-475,000,000USD784,000,000USD-306,000,000USD-723,000,000USD-562,000,000USD1,115,000,000USD-488,000,000USD-244,000,000USD
    Dividends Paid-14,000,000USD-11,000,000USD-9,000,000USD-10,000,000USD-12,000,000USD-11,000,000USD-10,000,000USD-11,000,000USD
    Sale Purchase Of Stock-153,000,000USD-123,000,000USD-40,000,000USD-47,000,000USD-103,000,000USD-44,000,000USD-11,000,000USD0USD
    Change In Cash329,000,000USD-151,000,000USD-39,000,000USD-418,000,000USD522,000,000USD243,000,000USD-601,000,000USD264,000,000USD
    Begin Period Cash Flow3,628,000,000USD3,779,000,000USD3,818,000,000USD4,236,000,000USD3,714,000,000USD3,471,000,000USD4,072,000,000USD3,808,000,000USD
    End Period Cash Flow3,957,000,000USD3,628,000,000USD3,779,000,000USD3,818,000,000USD4,236,000,000USD3,714,000,000USD3,471,000,000USD4,072,000,000USD
    Other Cashflows From Investing Activities321,000,000USD-1,505,000,000USD-339,000,000USD-217,000,000USD692,000,000USD-1,353,000,000USD-563,000,000USD47,000,000USD
    Other Cashflows From Financing Activities125,000,000USD445,000,000USD191,000,000USD241,000,000USD-12,000,000USD228,000,000USD-149,000,000USD-334,000,000USD
    Unclassified Operating Cash Flow12,000,000USD—78,000,000USD-6,000,000USD23,000,000USD-21,000,000USD-19,000,000USD11,000,000USD
    Unclassified Investing Cash Flow7,000,000USD—347,000,000USD229,000,000USD-687,000,000USD1,360,000,000USD537,000,000USD-38,000,000USD
    Unclassified Financing Cash Flow——————9,000,000USD101,000,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20182018-12-31 · USDFY 20172017-12-31 · USD
    Net Income518,000,000USD277,000,000USD718,000,000USD223,000,000USD801,000,000USD213,700,000USD963,100,000USD788,700,000USD
    Depreciation80,000,000USD90,000,000USD116,000,000USD113,000,000USD123,000,000USD183,800,000USD487,300,000USD497,600,000USD
    Stock Based Compensation56,000,000USD54,000,000USD44,000,000USD33,000,000USD29,000,000USD21,300,000USD80,800,000USD75,100,000USD
    Other Non Cash Items1,387,000,000USD1,590,000,000USD1,149,000,000USD1,771,000,000USD646,000,000USD1,403,800,000USD1,391,600,000USD1,267,200,000USD
    Change In Working Capital-39,000,000USD-67,000,000USD28,000,000USD-47,000,000USD-41,000,000USD282,900,000USD-184,200,000USD94,800,000USD
    Total Cash From Operating Activities2,092,000,000USD1,859,000,000USD1,987,000,000USD1,848,000,000USD1,543,000,000USD1,882,700,000USD2,754,900,000USD2,609,600,000USD
    Capital Expenditures-24,000,000USD-36,000,000USD-48,000,000USD-68,000,000USD-84,000,000USD-54,000,000USD-199,800,000USD-225,400,000USD
    Free Cash Flow2,092,000,000USD1,859,000,000USD1,987,000,000USD1,780,000,000USD1,459,000,000USD1,828,700,000USD2,555,100,000USD2,384,200,000USD
    Investments-2,000,000USD-1,169,000,000USD-1,044,000,000USD-5,111,000,000USD-20,000,000USD37,000,000USD-42,100,000USD—
    Total Cashflows From Investing Activities-1,371,000,000USD-1,169,000,000USD788,000,000USD-5,111,000,000USD-1,691,000,000USD1,774,000,000USD-1,872,000,000USD-4,288,500,000USD
    Net Borrowings-1,317,000,000USD69,000,000USD-2,696,000,000USD560,000,000USD-1,086,000,000USD-1,721,000,000USD-1,474,100,000USD2,207,500,000USD
    Total Cash From Financing Activities-807,000,000USD-592,000,000USD-3,086,000,000USD3,267,000,000USD608,000,000USD-4,166,500,000USD-1,217,900,000USD4,004,900,000USD
    Dividends Paid-42,000,000USD-43,000,000USD-42,000,000USD-43,000,000USD-42,000,000USD-60,600,000USD-125,200,000USD-115,500,000USD
    Sale Purchase Of Stock-313,000,000USD-55,000,000USD-35,000,000USD-12,000,000USD6,196,000,000USD3,566,400,000USD-443,200,000USD-553,700,000USD
    Issuance Of Capital Stock71,000,000USD0USD0USD—4,000,000USD2,800,000USD17,600,000USD—
    Change In Cash-86,000,000USD98,000,000USD-311,000,000USD4,000,000USD460,000,000USD-494,900,000USD-347,000,000USD2,330,800,000USD
    Begin Period Cash Flow3,714,000,000USD3,616,000,000USD3,927,000,000USD3,923,000,000USD3,463,000,000USD3,958,100,000USD4,314,700,000USD1,859,200,000USD
    End Period Cash Flow3,628,000,000USD3,714,000,000USD3,616,000,000USD3,927,000,000USD3,923,000,000USD3,463,200,000USD3,967,700,000USD4,190,000,000USD
    Other Cashflows From Investing Activities-1,369,000,000USD-1,152,000,000USD824,000,000USD-5,043,000,000USD-109,000,000USD-42,000,000USD-1,630,100,000USD-3,813,800,000USD
    Other Cashflows From Financing Activities865,000,000USD-563,000,000USD-313,000,000USD7,216,000,000USD-148,000,000USD-14,900,000USD-57,100,000USD2,448,200,000USD
    Unclassified Operating Cash Flow90,000,000USD-85,000,000USD-68,000,000USD-245,000,000USD—-222,800,000USD—-113,800,000USD
    Unclassified Investing Cash Flow24,000,000USD1,188,000,000USD1,056,000,000USD5,111,000,000USD-1,478,000,000USD1,833,000,000USD—-249,300,000USD
    Change To Liabilities———0USD-11,000,000USD0USD-111,200,000USD0USD
    Unclassified Financing Cash Flow———-4,454,000,000USD-4,312,000,000USD-5,936,400,000USD881,700,000USD—
    Cash And Cash Equivalents Changes————460,000,000USD———
    Change To Account Receivables—————64,900,000USD-93,000,000USD-10,300,000USD
    Change To Inventory—————95,100,000USD20,000,000USD-157,100,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Operating metrics

    No operating metrics are currently published for this company.

    Revenue breakdown

    PeriodDimensionBusiness / regionRevenueCurrencySource
    Q3 2021Quarterly · 2021-09-30GeographyAsia Pacific23,000,000USD0001101215-21-000185
    Q3 2021Quarterly · 2021-09-30GeographyCanada76,000,000USD0001101215-21-000185
    Q3 2021Quarterly · 2021-09-30GeographyEMEA68,100,000USD0001101215-21-000185
    Q3 2021Quarterly · 2021-09-30GeographyOther Geographic Regions2,300,000USD0001101215-21-000185
    Q3 2021Quarterly · 2021-09-30GeographyUnited States929,900,000USD0001101215-21-000185
    Q3 2021Quarterly · 2021-09-30ProductCoalition Loyalty Program68,600,000USD0001101215-21-000185
    Q3 2021Quarterly · 2021-09-30ProductOther1,600,000USD0001101215-21-000185
    Q3 2021Quarterly · 2021-09-30ProductServicing Fees Net-61,700,000USD0001101215-21-000185
    Q3 2021Quarterly · 2021-09-30ProductShort Term Loyalty Programs95,800,000USD0001101215-21-000185
    Q3 2021Quarterly · 2021-09-30SegmentLoyalty One166,000,000USD0001101215-21-000185
    Q3 2021Quarterly · 2021-09-30SegmentPrivate Label Services And Credit-61,700,000USD0001101215-21-000185
    Q2 2021Quarterly · 2021-06-30GeographyAsia Pacific19,800,000USD0001101215-21-000133
    Q2 2021Quarterly · 2021-06-30GeographyCanada73,600,000USD0001101215-21-000133
    Q2 2021Quarterly · 2021-06-30GeographyEMEA52,500,000USD0001101215-21-000133
    Q2 2021Quarterly · 2021-06-30GeographyOther Geographic Regions3,500,000USD0001101215-21-000133
    Q2 2021Quarterly · 2021-06-30GeographyUnited States863,000,000USD0001101215-21-000133
    Q2 2021Quarterly · 2021-06-30ProductCoalition Loyalty Program68,500,000USD0001101215-21-000133
    Q2 2021Quarterly · 2021-06-30ProductOther2,400,000USD0001101215-21-000133
    Q2 2021Quarterly · 2021-06-30ProductServicing Fees Net-51,400,000USD0001101215-21-000133
    Q2 2021Quarterly · 2021-06-30ProductShort Term Loyalty Programs76,600,000USD0001101215-21-000133
    Q2 2021Quarterly · 2021-06-30SegmentLoyalty One147,500,000USD0001101215-21-000133
    Q2 2021Quarterly · 2021-06-30SegmentPrivate Label Services And Credit-51,400,000USD0001101215-21-000133
    Q1 2021Quarterly · 2021-03-31GeographyAsia Pacific14,900,000USD0001101215-21-000073
    Q1 2021Quarterly · 2021-03-31GeographyCanada80,000,000USD0001101215-21-000073
    Q1 2021Quarterly · 2021-03-31GeographyEMEA79,400,000USD0001101215-21-000073
    Q1 2021Quarterly · 2021-03-31GeographyOther Geographic Regions1,400,000USD0001101215-21-000073
    Q1 2021Quarterly · 2021-03-31GeographyUnited States909,200,000USD0001101215-21-000073
    Q1 2021Quarterly · 2021-03-31ProductCoalition Loyalty Program66,800,000USD0001101215-21-000073
    Q1 2021Quarterly · 2021-03-31ProductServicing Fees Net-32,300,000USD0001101215-21-000073
    Q1 2021Quarterly · 2021-03-31ProductShort Term Loyalty Programs106,300,000USD0001101215-21-000073
    Q1 2021Quarterly · 2021-03-31SegmentLoyalty One173,100,000USD0001101215-21-000073
    Q1 2021Quarterly · 2021-03-31SegmentPrivate Label Services And Credit-32,300,000USD0001101215-21-000073
    Q4 2020Quarterly · 2020-12-31GeographyAsia Pacific17,500,000USDLegacy provider
    Q4 2020Quarterly · 2020-12-31GeographyCanada72,800,000USDLegacy provider
    Q4 2020Quarterly · 2020-12-31GeographyEMEA136,400,000USDLegacy provider
    Q4 2020Quarterly · 2020-12-31GeographyOther Geographic Regions2,600,000USDLegacy provider
    Q4 2020Quarterly · 2020-12-31GeographyUnited States880,500,000USDLegacy provider
    Q4 2020Quarterly · 2020-12-31ProductCoalition Loyalty Program66,600,000USDLegacy provider
    Q4 2020Quarterly · 2020-12-31ProductOther0USDLegacy provider
    Q4 2020Quarterly · 2020-12-31ProductServicing Fees Net-68,700,000USDLegacy provider
    Q4 2020Quarterly · 2020-12-31ProductShort Term Loyalty Programs165,200,000USDLegacy provider
    Q4 2020Quarterly · 2020-12-31SegmentLoyalty One227,600,000USDLegacy provider
    Q4 2020Quarterly · 2020-12-31SegmentPrivate Label Services And Credit-68,700,000USDLegacy provider
    FY 2020Yearly · 2020-12-31GeographyAsia Pacific80,500,000USD0001101215-21-000036
    FY 2020Yearly · 2020-12-31GeographyCanada286,900,000USD0001101215-21-000036
    FY 2020Yearly · 2020-12-31GeographyEMEA332,600,000USD0001101215-21-000036
    FY 2020Yearly · 2020-12-31GeographyOther Geographic Regions53,700,000USD0001101215-21-000036
    FY 2020Yearly · 2020-12-31GeographyUnited States3,767,700,000USD0001101215-21-000036
    FY 2020Yearly · 2020-12-31ProductCoalition Loyalty Program262,500,000USD0001101215-21-000036
    FY 2020Yearly · 2020-12-31ProductOther1,900,000USD0001101215-21-000036
    FY 2020Yearly · 2020-12-31ProductServicing Fees Net-174,900,000USD0001101215-21-000036
    FY 2020Yearly · 2020-12-31ProductShort Term Loyalty Programs487,700,000USD0001101215-21-000036
    FY 2020Yearly · 2020-12-31SegmentLoyalty One752,000,000USD0001101215-21-000036
    FY 2020Yearly · 2020-12-31SegmentPrivate Label Services And Credit-174,900,000USD0001101215-21-000036
    Q3 2020Quarterly · 2020-09-30GeographyAsia Pacific12,600,000USD0001101215-21-000185
    Q3 2020Quarterly · 2020-09-30GeographyCanada70,300,000USD0001101215-21-000185
    Q3 2020Quarterly · 2020-09-30GeographyEMEA76,900,000USD0001101215-21-000185
    Q3 2020Quarterly · 2020-09-30GeographyOther Geographic Regions21,700,000USD0001101215-21-000185
    Q3 2020Quarterly · 2020-09-30GeographyUnited States869,000,000USD0001101215-21-000185
    Q3 2020Quarterly · 2020-09-30ProductCoalition Loyalty Program63,000,000USD0001101215-21-000185
    Q3 2020Quarterly · 2020-09-30ProductOther1,100,000USD0001101215-21-000185
    Q3 2020Quarterly · 2020-09-30ProductServicing Fees Net-47,000,000USD0001101215-21-000185
    Q3 2020Quarterly · 2020-09-30ProductShort Term Loyalty Programs117,400,000USD0001101215-21-000185
    Q3 2020Quarterly · 2020-09-30SegmentLoyalty One181,500,000USD0001101215-21-000185
    Q3 2020Quarterly · 2020-09-30SegmentPrivate Label Services And Credit-47,000,000USD0001101215-21-000185
    Q2 2020Quarterly · 2020-06-30GeographyAsia Pacific13,400,000USD0001101215-21-000133
    Q2 2020Quarterly · 2020-06-30GeographyCanada64,700,000USD0001101215-21-000133
    Q2 2020Quarterly · 2020-06-30GeographyEMEA50,700,000USD0001101215-21-000133
    Q2 2020Quarterly · 2020-06-30GeographyOther Geographic Regions18,100,000USD0001101215-21-000133
    Q2 2020Quarterly · 2020-06-30GeographyUnited States832,400,000USD0001101215-21-000133
    Q2 2020Quarterly · 2020-06-30ProductCoalition Loyalty Program61,600,000USD0001101215-21-000133
    Q2 2020Quarterly · 2020-06-30ProductOther1,600,000USD0001101215-21-000133
    Q2 2020Quarterly · 2020-06-30ProductServicing Fees Net-28,500,000USD0001101215-21-000133
    Q2 2020Quarterly · 2020-06-30ProductShort Term Loyalty Programs84,800,000USD0001101215-21-000133
    Q2 2020Quarterly · 2020-06-30SegmentLoyalty One148,000,000USD0001101215-21-000133
    Q2 2020Quarterly · 2020-06-30SegmentPrivate Label Services And Credit-28,500,000USD0001101215-21-000133
    Q1 2020Quarterly · 2020-03-31GeographyAsia Pacific37,000,000USD0001101215-21-000073
    Q1 2020Quarterly · 2020-03-31GeographyCanada79,100,000USD0001101215-21-000073
    Q1 2020Quarterly · 2020-03-31GeographyEMEA68,600,000USD0001101215-21-000073
    Q1 2020Quarterly · 2020-03-31GeographyOther Geographic Regions11,300,000USD0001101215-21-000073
    Q1 2020Quarterly · 2020-03-31GeographyUnited States1,185,800,000USD0001101215-21-000073
    Q1 2020Quarterly · 2020-03-31ProductCoalition Loyalty Program71,300,000USD0001101215-21-000073
    Q1 2020Quarterly · 2020-03-31ProductOther3,400,000USD0001101215-21-000073
    Q1 2020Quarterly · 2020-03-31ProductServicing Fees Net-30,700,000USD0001101215-21-000073
    Q1 2020Quarterly · 2020-03-31ProductShort Term Loyalty Programs120,300,000USD0001101215-21-000073
    Q1 2020Quarterly · 2020-03-31SegmentLoyalty One194,900,000USD0001101215-21-000073
    Q1 2020Quarterly · 2020-03-31SegmentPrivate Label Services And Credit-30,700,000USD0001101215-21-000073
    Q4 2019Quarterly · 2019-12-31GeographyAsia Pacific40,000,000USDLegacy provider
    Q4 2019Quarterly · 2019-12-31GeographyCanada88,900,000USDLegacy provider
    Q4 2019Quarterly · 2019-12-31GeographyEMEA173,100,000USDLegacy provider
    Q4 2019Quarterly · 2019-12-31GeographyOther Geographic Regions18,400,000USDLegacy provider
    Q4 2019Quarterly · 2019-12-31GeographyUnited States1,140,600,000USDLegacy provider
    Q4 2019Quarterly · 2019-12-31ProductCoalition Loyalty Program75,300,000USDLegacy provider
    Q4 2019Quarterly · 2019-12-31ProductOther25,300,000USDLegacy provider
    Q4 2019Quarterly · 2019-12-31ProductServicing Fees Net-86,800,000USDLegacy provider
    Q4 2019Quarterly · 2019-12-31ProductShort Term Loyalty Programs228,600,000USDLegacy provider
    Q4 2019Quarterly · 2019-12-31SegmentLoyalty One329,000,000USDLegacy provider
    Q4 2019Quarterly · 2019-12-31SegmentPrivate Label Services And Credit-86,800,000USDLegacy provider
    FY 2019Yearly · 2019-12-31GeographyAsia Pacific121,700,000USD0001101215-21-000036
    FY 2019Yearly · 2019-12-31GeographyCanada352,200,000USD0001101215-21-000036

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.