Bread Financial (BFH) revenue breakdown
By segment, Card Services is the largest at 83% of fiscal 2020 revenue, growing 1% a year over 4 years.
By product, Short-term loyalty programs is the largest at 65% of fiscal 2020 revenue, growing -11% a year over 2 years.
Revenue by segment
Fiscal years, as Bread Financial reports them in its 10-K filings; fiscal 2020 total $4.5B.
| Segments | 2016 | 2017 | 2018 | 2019 | 2020 | Share |
|---|---|---|---|---|---|---|
| Card Services | $3.7B | $4.2B | $4.6B | $4.5B | $3.8B | 83% |
| LoyaltyOne | $1.3B | $1.3B | $1.1B | $1.0B | $765M | 17% |
| Epsilon | $2.2B | — | — | — | — | — |
Revenue by product
Fiscal years, as Bread Financial reports them in its 10-K filings; fiscal 2020 total $752M.
| Products | 2018 | 2019 | 2020 | Share |
|---|---|---|---|---|
| Short-term loyalty programs | $614M | $636M | $488M | 65% |
| Coalition loyalty program | $352M | $290M | $262M | 35% |
| Other | $91M | $95M | $2M | 0% |
| Servicing fees, net | -$97M | -$181M | -$175M | -23% |
Revenue by region
Fiscal years, as Bread Financial reports them in its 10-K filings; fiscal 2020 total $4.5B.
| Regions | 2016 | 2017 | 2018 | 2019 | 2020 | Share |
|---|---|---|---|---|---|---|
| United States | $5.7B | $4.2B | $4.6B | $4.6B | $3.8B | 83% |
| Europe, Middle East and Africa | $537M | $411M | $463M | $449M | $333M | 7% |
| Canada | $706M | $727M | $411M | $352M | $287M | 6% |
| Asia Pacific | $154M | $129M | $122M | $122M | $80M | 2% |
| Other | $9M | $15M | $49M | $70M | $54M | 1% |
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Where does Bread Financial make its money?
In fiscal 2020, by segment: Card Services $3.8B, LoyaltyOne $765M.
From Bread Financial's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.