0001101215-25-000135 | 10-Q | XBRL Viewer | Bread Financial Holdings INC

Label	Element	Value
Card And Processing Expenses	bfh_CardAndProcessingExpenses	$ 81,000,000
Card And Processing Expenses	bfh_CardAndProcessingExpenses	77,000,000
Card And Processing Expenses	bfh_CardAndProcessingExpenses	163,000,000
Card And Processing Expenses	bfh_CardAndProcessingExpenses	164,000,000
Long Term Debt and Other	bfh_LongTermDebtAndOther	0
Long Term Debt and Other	bfh_LongTermDebtAndOther	0
Long Term Debt and Other	bfh_LongTermDebtAndOther	0
Long Term Debt and Other	bfh_LongTermDebtAndOther	100,000,000
Long Term Debt and Other	bfh_LongTermDebtAndOther	3,000,000
Long Term Debt and Other	bfh_LongTermDebtAndOther	10,000,000
Long Term Debt and Other	bfh_LongTermDebtAndOther	750,000,000
Long Term Debt and Other	bfh_LongTermDebtAndOther	900,000,000
Long Term Debt and Other	bfh_LongTermDebtAndOther	400,000,000
Long Term Debt and Other	bfh_LongTermDebtAndOther	0
Long Term Debt and Other	bfh_LongTermDebtAndOther	1,153,000,000
Long Term Debt and Other	bfh_LongTermDebtAndOther	1,010,000,000
Financing Receivable, Before Allowance for Credit Loss, Gross	bfh_FinancingReceivableBeforeAllowanceForCreditLossGross	17,656,000,000
Financing Receivable, Before Allowance for Credit Loss, Gross	bfh_FinancingReceivableBeforeAllowanceForCreditLossGross	18,896,000,000
Financing Receivable, Before Allowance for Credit Loss, Gross	bfh_FinancingReceivableBeforeAllowanceForCreditLossGross	17,358,000,000
Financing Receivable, Before Allowance for Credit Loss, Gross	bfh_FinancingReceivableBeforeAllowanceForCreditLossGross	18,586,000,000
Financing Receivable, Before Allowance for Credit Loss, Gross	bfh_FinancingReceivableBeforeAllowanceForCreditLossGross	298,000,000
Financing Receivable, Before Allowance for Credit Loss, Gross	bfh_FinancingReceivableBeforeAllowanceForCreditLossGross	310,000,000
Credit Card and Loan Receivables Restricted for Securitization Investors	bfh_CreditCardAndLoanReceivablesRestrictedForSecuritizationInvestors	11,179,000,000
Credit Card and Loan Receivables Restricted for Securitization Investors	bfh_CreditCardAndLoanReceivablesRestrictedForSecuritizationInvestors	12,408,000,000
Non Recourse Borrowings Of Consolidated Securitization Entities	bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntities	3,089,000,000
Non Recourse Borrowings Of Consolidated Securitization Entities	bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntities	4,558,000,000
Non Recourse Borrowings Of Consolidated Securitization Entities	bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntities	3,089,000,000
Non Recourse Borrowings Of Consolidated Securitization Entities	bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntities	4,558,000,000
Financial Liabilities Without Readily Determinable Fair Value, Amount	bfh_FinancialLiabilitiesWithoutReadilyDeterminableFairValueAmount	17,663,000,000
Financial Liabilities Without Readily Determinable Fair Value, Amount	bfh_FinancialLiabilitiesWithoutReadilyDeterminableFairValueAmount	0
Financial Liabilities Without Readily Determinable Fair Value, Amount	bfh_FinancialLiabilitiesWithoutReadilyDeterminableFairValueAmount	17,663,000,000
Financial Liabilities Without Readily Determinable Fair Value, Amount	bfh_FinancialLiabilitiesWithoutReadilyDeterminableFairValueAmount	0
Financial Liabilities Without Readily Determinable Fair Value, Amount	bfh_FinancialLiabilitiesWithoutReadilyDeterminableFairValueAmount	18,744,000,000
Financial Liabilities Without Readily Determinable Fair Value, Amount	bfh_FinancialLiabilitiesWithoutReadilyDeterminableFairValueAmount	0
Financial Liabilities Without Readily Determinable Fair Value, Amount	bfh_FinancialLiabilitiesWithoutReadilyDeterminableFairValueAmount	18,744,000,000
Financial Liabilities Without Readily Determinable Fair Value, Amount	bfh_FinancialLiabilitiesWithoutReadilyDeterminableFairValueAmount	0
Long-term Debt and Other Debt, Net	bfh_LongTermDebtAndOtherDebtNet	1,138,000,000
Long-term Debt and Other Debt, Net	bfh_LongTermDebtAndOtherDebtNet	999,000,000
Long-term Debt and Other Debt, Net	bfh_LongTermDebtAndOtherDebtNet	1,138,000,000
Long-term Debt and Other Debt, Net	bfh_LongTermDebtAndOtherDebtNet	999,000,000
Interchange Revenue, Net of Retailer Share Arrangements	bfh_InterchangeRevenueNetOfRetailerShareArrangements	(95,000,000)
Interchange Revenue, Net of Retailer Share Arrangements	bfh_InterchangeRevenueNetOfRetailerShareArrangements	(84,000,000)
Interchange Revenue, Net of Retailer Share Arrangements	bfh_InterchangeRevenueNetOfRetailerShareArrangements	(178,000,000)
Interchange Revenue, Net of Retailer Share Arrangements	bfh_InterchangeRevenueNetOfRetailerShareArrangements	(177,000,000)
Financing Receivable, after Allowance for Credit Loss, Fair Value Disclosure	bfh_FinancingReceivableAfterAllowanceForCreditLossFairValueDisclosure	15,558,000,000
Financing Receivable, after Allowance for Credit Loss, Fair Value Disclosure	bfh_FinancingReceivableAfterAllowanceForCreditLossFairValueDisclosure	17,552,000,000
Financing Receivable, after Allowance for Credit Loss, Fair Value Disclosure	bfh_FinancingReceivableAfterAllowanceForCreditLossFairValueDisclosure	16,655,000,000
Financing Receivable, after Allowance for Credit Loss, Fair Value Disclosure	bfh_FinancingReceivableAfterAllowanceForCreditLossFairValueDisclosure	19,011,000,000
Financing Receivable, after Allowance for Credit Loss, Fair Value Disclosure	bfh_FinancingReceivableAfterAllowanceForCreditLossFairValueDisclosure	17,552,000,000
Financing Receivable, after Allowance for Credit Loss, Fair Value Disclosure	bfh_FinancingReceivableAfterAllowanceForCreditLossFairValueDisclosure	0
Financing Receivable, after Allowance for Credit Loss, Fair Value Disclosure	bfh_FinancingReceivableAfterAllowanceForCreditLossFairValueDisclosure	0
Financing Receivable, after Allowance for Credit Loss, Fair Value Disclosure	bfh_FinancingReceivableAfterAllowanceForCreditLossFairValueDisclosure	17,552,000,000
Financing Receivable, after Allowance for Credit Loss, Fair Value Disclosure	bfh_FinancingReceivableAfterAllowanceForCreditLossFairValueDisclosure	19,011,000,000
Financing Receivable, after Allowance for Credit Loss, Fair Value Disclosure	bfh_FinancingReceivableAfterAllowanceForCreditLossFairValueDisclosure	0
Financing Receivable, after Allowance for Credit Loss, Fair Value Disclosure	bfh_FinancingReceivableAfterAllowanceForCreditLossFairValueDisclosure	0
Financing Receivable, after Allowance for Credit Loss, Fair Value Disclosure	bfh_FinancingReceivableAfterAllowanceForCreditLossFairValueDisclosure	19,011,000,000
Proceeds From Maturity of Investment Securities	bfh_ProceedsFromMaturityOfInvestmentSecurities	10,000,000
Proceeds From Maturity of Investment Securities	bfh_ProceedsFromMaturityOfInvestmentSecurities	7,000,000
Unamortized Debt Issuance Expense And Discount	bfh_UnamortizedDebtIssuanceExpenseAndDiscount	15,000,000
Unamortized Debt Issuance Expense And Discount	bfh_UnamortizedDebtIssuanceExpenseAndDiscount	$ 11,000,000
Debt Instrument, Convertible, Threshold For Redemption Prior to Maturity, Trading Days	bfh_DebtInstrumentConvertibleThresholdForRedemptionPriorToMaturityTradingDays	51
Financial Assets Without Readily Determinable Fair Value, Amount	bfh_FinancialAssetsWithoutReadilyDeterminableFairValueAmount	$ 17,552,000,000
Financial Assets Without Readily Determinable Fair Value, Amount	bfh_FinancialAssetsWithoutReadilyDeterminableFairValueAmount	0
Financial Assets Without Readily Determinable Fair Value, Amount	bfh_FinancialAssetsWithoutReadilyDeterminableFairValueAmount	0
Financial Assets Without Readily Determinable Fair Value, Amount	bfh_FinancialAssetsWithoutReadilyDeterminableFairValueAmount	17,552,000,000
Financial Assets Without Readily Determinable Fair Value, Amount	bfh_FinancialAssetsWithoutReadilyDeterminableFairValueAmount	19,011,000,000
Financial Assets Without Readily Determinable Fair Value, Amount	bfh_FinancialAssetsWithoutReadilyDeterminableFairValueAmount	0
Financial Assets Without Readily Determinable Fair Value, Amount	bfh_FinancialAssetsWithoutReadilyDeterminableFairValueAmount	0
Financial Assets Without Readily Determinable Fair Value, Amount	bfh_FinancialAssetsWithoutReadilyDeterminableFairValueAmount	19,011,000,000
Debt Instrument, Repurchase Amount, Principal Amount	bfh_DebtInstrumentRepurchaseAmountPrincipalAmount	1,000
Debt Instrument, Repurchase Amount, Principal Amount	bfh_DebtInstrumentRepurchaseAmountPrincipalAmount	1,000
Interest On Cash And Investment Securities	bfh_InterestOnCashAndInvestmentSecurities	46,000,000
Interest On Cash And Investment Securities	bfh_InterestOnCashAndInvestmentSecurities	54,000,000
Interest On Cash And Investment Securities	bfh_InterestOnCashAndInvestmentSecurities	91,000,000
Interest On Cash And Investment Securities	bfh_InterestOnCashAndInvestmentSecurities	106,000,000
Non Recourse Borrowings of Consolidated Securitization Entities Fair Value Disclosure	bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesFairValueDisclosure	3,089,000,000
Non Recourse Borrowings of Consolidated Securitization Entities Fair Value Disclosure	bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesFairValueDisclosure	3,109,000,000
Non Recourse Borrowings of Consolidated Securitization Entities Fair Value Disclosure	bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesFairValueDisclosure	4,558,000,000
Non Recourse Borrowings of Consolidated Securitization Entities Fair Value Disclosure	bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesFairValueDisclosure	4,572,000,000
Non Recourse Borrowings of Consolidated Securitization Entities Fair Value Disclosure	bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesFairValueDisclosure	3,109,000,000
Non Recourse Borrowings of Consolidated Securitization Entities Fair Value Disclosure	bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesFairValueDisclosure	0
Non Recourse Borrowings of Consolidated Securitization Entities Fair Value Disclosure	bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesFairValueDisclosure	3,109,000,000
Non Recourse Borrowings of Consolidated Securitization Entities Fair Value Disclosure	bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesFairValueDisclosure	0
Non Recourse Borrowings of Consolidated Securitization Entities Fair Value Disclosure	bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesFairValueDisclosure	4,572,000,000
Non Recourse Borrowings of Consolidated Securitization Entities Fair Value Disclosure	bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesFairValueDisclosure	0
Non Recourse Borrowings of Consolidated Securitization Entities Fair Value Disclosure	bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesFairValueDisclosure	4,572,000,000
Non Recourse Borrowings of Consolidated Securitization Entities Fair Value Disclosure	bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesFairValueDisclosure	0
Purchases of Investment Securities	bfh_PurchasesOfInvestmentSecurities	15,000,000
Purchases of Investment Securities	bfh_PurchasesOfInvestmentSecurities	23,000,000
Amortization of Deferred Origination Costs and Other Charges	bfh_AmortizationOfDeferredOriginationCostsAndOtherCharges	38,000,000
Amortization of Deferred Origination Costs and Other Charges	bfh_AmortizationOfDeferredOriginationCostsAndOtherCharges	50,000,000
Non-Interest Income (Loss)	bfh_NonInterestIncomeLoss	(45,000,000)
Non-Interest Income (Loss)	bfh_NonInterestIncomeLoss	(48,000,000)
Non-Interest Income (Loss)	bfh_NonInterestIncomeLoss	(81,000,000)
Non-Interest Income (Loss)	bfh_NonInterestIncomeLoss	(110,000,000)
Adjustments to Additional Paid in Capital, Convertible Notes Repurchased	bfh_AdjustmentsToAdditionalPaidInCapitalConvertibleNotesRepurchased	2,000,000
Adjustments to Additional Paid in Capital, Convertible Notes Repurchased	bfh_AdjustmentsToAdditionalPaidInCapitalConvertibleNotesRepurchased	$ 2,000,000
Past Due Period for Credit Card Loans Charge Off	bfh_PastDuePeriodForCreditCardLoansChargeOff	30 days
Repayments of Long-term Debt and Other	bfh_RepaymentsOfLongTermDebtAndOther	$ 272,000,000
Repayments of Long-term Debt and Other	bfh_RepaymentsOfLongTermDebtAndOther	407,000,000
Charge Off of Unpaid Interest and Fees	bfh_ChargeOffOfUnpaidInterestAndFees	236,000,000
Charge Off of Unpaid Interest and Fees	bfh_ChargeOffOfUnpaidInterestAndFees	264,000,000
Charge Off of Unpaid Interest and Fees	bfh_ChargeOffOfUnpaidInterestAndFees	486,000,000
Charge Off of Unpaid Interest and Fees	bfh_ChargeOffOfUnpaidInterestAndFees	542,000,000
Time Deposit Maturities After Year Four	bfh_TimeDepositMaturitiesAfterYearFour	29,000,000
Non Recourse Borrowings Of Consolidated Securitization Entities Unamortized Discount	bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesUnamortizedDiscount	4,000,000
Non Recourse Borrowings Of Consolidated Securitization Entities Unamortized Discount	bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesUnamortizedDiscount	$ 5,000,000
Stock Issued During Period, Shares, Net Of Shares Withheld For Employee Taxes	bfh_StockIssuedDuringPeriodSharesNetOfSharesWithheldForEmployeeTaxes	100,000
Stock Issued During Period, Shares, Net Of Shares Withheld For Employee Taxes	bfh_StockIssuedDuringPeriodSharesNetOfSharesWithheldForEmployeeTaxes	100,000
Stock Issued During Period, Shares, Net Of Shares Withheld For Employee Taxes	bfh_StockIssuedDuringPeriodSharesNetOfSharesWithheldForEmployeeTaxes	700,000
Stock Issued During Period, Shares, Net Of Shares Withheld For Employee Taxes	bfh_StockIssuedDuringPeriodSharesNetOfSharesWithheldForEmployeeTaxes	700,000
Time Deposits, Unamortized Debt Discount	bfh_TimeDepositsUnamortizedDebtDiscount	$ 3,000,000
Stock Issued During Period, Value, Net Of Shares Withheld For Employee Taxes	bfh_StockIssuedDuringPeriodValueNetOfSharesWithheldForEmployeeTaxes	(3,000,000)
Stock Issued During Period, Value, Net Of Shares Withheld For Employee Taxes	bfh_StockIssuedDuringPeriodValueNetOfSharesWithheldForEmployeeTaxes	(3,000,000)
Stock Issued During Period, Value, Net Of Shares Withheld For Employee Taxes	bfh_StockIssuedDuringPeriodValueNetOfSharesWithheldForEmployeeTaxes	(2,000,000)
Stock Issued During Period, Value, Net Of Shares Withheld For Employee Taxes	bfh_StockIssuedDuringPeriodValueNetOfSharesWithheldForEmployeeTaxes	(2,000,000)
Stock Issued During Period, Value, Net Of Shares Withheld For Employee Taxes	bfh_StockIssuedDuringPeriodValueNetOfSharesWithheldForEmployeeTaxes	20,000,000
Stock Issued During Period, Value, Net Of Shares Withheld For Employee Taxes	bfh_StockIssuedDuringPeriodValueNetOfSharesWithheldForEmployeeTaxes	20,000,000
Stock Issued During Period, Value, Net Of Shares Withheld For Employee Taxes	bfh_StockIssuedDuringPeriodValueNetOfSharesWithheldForEmployeeTaxes	7,000,000
Stock Issued During Period, Value, Net Of Shares Withheld For Employee Taxes	bfh_StockIssuedDuringPeriodValueNetOfSharesWithheldForEmployeeTaxes	7,000,000
Proceeds From Issuance of Long-term Debt and Other	bfh_ProceedsFromIssuanceOfLongTermDebtAndOther	400,000,000
Proceeds From Issuance of Long-term Debt and Other	bfh_ProceedsFromIssuanceOfLongTermDebtAndOther	300,000,000
Treasury Stock, Value, Acquired, Cost Method, Excluding Excise Tax	bfh_TreasuryStockValueAcquiredCostMethodExcludingExciseTax	150,000,000
Financing Receivable, after Allowance for Credit Loss, Net	bfh_FinancingReceivableAfterAllowanceForCreditLossNet	15,558,000,000
Financing Receivable, after Allowance for Credit Loss, Net	bfh_FinancingReceivableAfterAllowanceForCreditLossNet	$ 16,655,000,000
Loan Modifications Number Of Contracts	bfh_LoanModificationsNumberOfContracts	7,312
Loan Modifications Number Of Contracts	bfh_LoanModificationsNumberOfContracts	8,448,000,000
Loan Modifications Number Of Contracts	bfh_LoanModificationsNumberOfContracts	12,609
Loan Modifications Number Of Contracts	bfh_LoanModificationsNumberOfContracts	14,505
Equity Method and Other Investments	bfh_EquityMethodAndOtherInvestments	$ 53,000,000
Equity Method and Other Investments	bfh_EquityMethodAndOtherInvestments	49,000,000
Unused Credit Lines Available to Cardholders	bfh_UnusedCreditLinesAvailableToCardholders	102,000,000,000
Unused Credit Lines Available to Cardholders	bfh_UnusedCreditLinesAvailableToCardholders	$ 103,000,000,000
Percentage of Amortized Cost Basis Loan Receivables Outstanding	bfh_PercentageOfAmortizedCostBasisLoanReceivablesOutstanding	0.86
Percentage of Amortized Cost Basis Loan Receivables Outstanding	bfh_PercentageOfAmortizedCostBasisLoanReceivablesOutstanding	0.14
Percentage of Amortized Cost Basis Loan Receivables Outstanding	bfh_PercentageOfAmortizedCostBasisLoanReceivablesOutstanding	0.84
Percentage of Amortized Cost Basis Loan Receivables Outstanding	bfh_PercentageOfAmortizedCostBasisLoanReceivablesOutstanding	0.16
Credit Card Portfolio Number Of Portfolios Held For Sale	bfh_CreditCardPortfolioNumberOfPortfoliosHeldForSale	0
Credit Card Portfolio Number Of Portfolios Held For Sale	bfh_CreditCardPortfolioNumberOfPortfoliosHeldForSale	0
Interest And Noninterest Income Net Of Provision For Credit Losses	bfh_InterestAndNoninterestIncomeNetOfProvisionForCreditLosses	$ 655,000,000
Interest And Noninterest Income Net Of Provision For Credit Losses	bfh_InterestAndNoninterestIncomeNetOfProvisionForCreditLosses	649,000,000
Interest And Noninterest Income Net Of Provision For Credit Losses	bfh_InterestAndNoninterestIncomeNetOfProvisionForCreditLosses	1,329,000,000
Interest And Noninterest Income Net Of Provision For Credit Losses	bfh_InterestAndNoninterestIncomeNetOfProvisionForCreditLosses	1,318,000,000
Restricted Credit Card Receivables 91 Days or More Past Due	bfh_RestrictedCreditCardReceivables91DaysOrMorePastDue	262,000,000
Restricted Credit Card Receivables 91 Days or More Past Due	bfh_RestrictedCreditCardReceivables91DaysOrMorePastDue	305,000,000
Employee Compensation And Benefits	bfh_EmployeeCompensationAndBenefits	212,000,000
Employee Compensation And Benefits	bfh_EmployeeCompensationAndBenefits	214,000,000
Employee Compensation And Benefits	bfh_EmployeeCompensationAndBenefits	426,000,000
Employee Compensation And Benefits	bfh_EmployeeCompensationAndBenefits	$ 427,000,000
Maximum Period of Time Temporary Programs Concessions Remain in Place	bfh_MaximumPeriodOfTimeTemporaryProgramsConcessionsRemainInPlace	12 months
Repurchased Amount, Including Accrued And Unpaid Interest, Per Note	bfh_RepurchasedAmountIncludingAccruedAndUnpaidInterestPerNote	$ 1,071
Allowance for Loan Loss, Payments Allocated to Future Purchase Activity	bfh_AllowanceForLoanLossPaymentsAllocatedToFuturePurchaseActivity	$ 0

OTHER NON-INTEREST INCOME AND OTHER NON-INTEREST EXPENSES - Components of Other Non-Interest Expenses (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2025	Jun. 30, 2024	Jun. 30, 2025	Jun. 30, 2024
Other Noninterest Expenses [Abstract]
Repurchased debt	$ 13	$ 0	$ 15	$ 9
Other	$ 12	$ 12	$ 20	$ 23

OTHER NON-INTEREST INCOME AND OTHER NON-INTEREST EXPENSES - Components of Other Non-Interest Income (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2025	Jun. 30, 2024	Jun. 30, 2025	Jun. 30, 2024
Other Noninterest Income [Abstract]
Payment protection products	$ 27	$ 31	$ 57	$ 61
Other	$ 20	$ 0	$ 37	$ 1

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Details OTHER NON-INTEREST INCOME AND OTHER NON-INTEREST EXPENSES - Components of Other Non-Interest Income (Details) OTHER NON-INTEREST INCOME AND OTHER NON-INTEREST EXPENSES - Components of Other Non-Interest Expenses (Details) Uncategorized Uncategorized Items - bfh-20250630_htm.xml All Reports