BREAD FINANCIAL HOLDINGS, INC.

BFH ·Financial, Credit Services, United States
Financial Statements Income Statement
Annual Quarterly

Income Statement

Line Item FY2009 FY2008
Revenue $1.96B $2.03B
Cost of Revenue $1.35B $1.34B
Gross Profit $610.2M $683.3M
Gross Margin 31.1% 33.7%
Operating Expenses
Research & Development
SG&A Expense $99.8M $82.8M
Operating Income $407.8M $460.6M
Operating Margin 20.8% 22.7%
Interest Expense $144.8M $80.4M
Pretax Income $262.9M $380.2M
Income Tax Expense $86.2M $147.6M
Net Income $143.7M $206.4M
Net Margin 7.3% 10.2%
EPS (Basic) $2.58 $2.88
EPS (Diluted) $2.49 $2.80
Shares Outstanding (Basic) 55.8M 71.5M
Shares Outstanding (Diluted) 57.7M 73.6M
Dividends Per Share
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