Bread Financial FY2025 net income $518M; returns $350M to shareholders, raises dividend 10%

BREAD FINANCIAL HOLDINGS, INC.

2025-FY EPS reported $10.89

Full-year net income $518M; tangible book value per share up 23% YoY.
Returned $350M to shareholders in 2025, including $310M in share repurchases (12% of shares outstanding).
Quarterly common dividend increased 10% in Q4; new $0.23/share dividend payable March 16, 2026.
Credit sales rose 3.0% YoY; all top-10 partner programs renewed through at least 2028 (including Caesars).
Received credit rating upgrades from Moody's and Fitch; positive outlooks from Moody's and S&P.

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