How Bread Financial Holdings makes money

Period

FY2022

How does Bread Financial Holdings make money? This Sankey traces every dollar of revenue through the income statement — into cost of revenue, R&D, SG&A, and taxes — and shows what's left as profit. Pick any fiscal year, recent quarter, or the trailing twelve months. Straight from SEC filings.

Bread Financial Holdings Inc. · FY2022 · year ended 2022-12-31

Revenue$3.8BGross profit$3.8B · 100%Cost of revenue$0 · 0%Operating income$3.6B · 95%Operating expenses$180M · 5%Selling & marketing$180M · 5%Pre-tax income$299M · 8%Other expense$3.3B · 87%Net income$223M · 6%Income tax$76M · 2%

Each fiscal year from SEC filings. Percentages are share of revenue, so the green profit nodes read directly as gross / operating / net margin. Line items a company doesn't break out are derived from their siblings so the flows balance; small residuals show as “Other.” For informational purposes only.