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Bread Financial Holdings, Inc. (BFH.PB) stock

BFH.PBNYSEPersonal Credit InstitutionsFiscal year ends December 31Also trades as BFH, BFH.PA
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Oct 27, 2026Score 15/309% below fair value
$24.13−0.11 (-0.45%)

Close on Oct 30, 2026Market cap $4.06BP/E 8.2Yield 0.81%

Earnings

Bread Financial's quarterly results as reported in its earnings releases, with the company's own outlook. Hover a number to see the sentence it came from.

Next report
Jan 28, 2027
Q4 FY2026 · estimated, before the open
Revenue, Q3 FY2026
$1.02B
+4.7% on a year earlier
Adjusted earnings per diluted common share, Q3 FY2026
$3.84
$4.02 a year earlier
Latest guidance
Issued
Oct 22, 2026 · 4 items

Quarterly results

Revenue and earnings per share from each of Bread Financial's earnings releases, newest first

QuarterReportedRevenueYoYEPSAdj. EPSSource
Q4 FY2026ended Dec 31, 2026Jan 28, 2027Expected–––––
Q3 FY2026ended Sep 30, 2026Oct 22, 2026before the open$1.02B+4.7%$3.82$3.84Release
Q2 FY2026ended Jun 30, 2026Jul 23, 2026before the open$993.00M+6.9%$3.55$3.55Release
Q1 FY2026ended Mar 31, 2026Apr 23, 2026before the open$1.02B+4.9%$4.15–Release
Q4 FY2025ended Dec 31, 2025Jan 29, 2026before the open$975.00M+5.3%$1.16$2.07Release
Q3 FY2025ended Sep 30, 2025Oct 23, 2025before the open$971.00M-1.2%$3.96$4.02Release
Q2 FY2025ended Jun 30, 2025Jul 24, 2025before the open$929.00M-1.1%$2.94$3.15Release
Q1 FY2025ended Mar 31, 2025Apr 24, 2025before the open$970.00M-2.1%$2.78$2.90Release
Q4 FY2024ended Dec 31, 2024Jan 30, 2025before the open$926.00M-8.9%$0.14$0.40Release
Q3 FY2024ended Sep 30, 2024Oct 24, 2024before the open$983.00M-4.7%$0.05$1.83Release
Q2 FY2024ended Jun 30, 2024Jul 25, 2024before the open$939.00M-1.4%$2.66$2.67Release
Q1 FY2024ended Mar 31, 2024Apr 25, 2024before the open$991.00M-23.1%$2.70–Release

Figures as first announced; later restatements appear under Financials. Expected dates are estimated from the company's past reporting pattern.

Current guidance

Bread Financial's latest outlook for periods it has not reported yet, compared with what it said before

MetricPeriodGuidanceBeforeChangeGiven
Total revenueFY2026+5%–NewOct 22, 2026
Average loan growthFY2026+4%–NewOct 22, 2026
Effective tax ratenon-GAAPFY202625% – 27%–NewOct 22, 2026
Effective tax rateFY202625% – 27%–RaisedJan 29, 2026
net loss rateFY20267% – 7.1%7.2% – 7.4%LoweredJul 23, 2026
Net loss rateFY20267%–NewOct 22, 2026
normalized effective tax rateFY202625% – 27%25% – 27%RaisedJul 23, 2026

Guidance history

Every forecast Bread Financial put in an earnings release, newest first

GivenMetricPeriodGuidanceChange
Oct 22, 2026Net loss rateFY20267%New
Oct 22, 2026Effective tax rateFY202625% – 27%New
Oct 22, 2026Average loan growthFY2026+4%New
Oct 22, 2026Total revenueFY2026+5%New
Jul 23, 2026net loss rateFY20267% – 7.1%Lowered
Jul 23, 2026normalized effective tax rateFY202625% – 27%Raised
Apr 23, 2026Net loss rateFY20267.2% – 7.4%Lowered
Apr 23, 2026normalized effective tax rateFY202625% – 27%Raised
Jan 29, 2026Net loss rateFY20267.2% – 7.4%New
Jan 29, 2026Effective tax rateFY202625% – 27%Raised
Oct 23, 2025Effective tax rateFY202519% – 20%New
Jul 24, 2025net loss rateFY20257.8% – 7.9%Lowered
Jul 24, 2025normalized effective tax rateFY202525% – 26%Raised
Apr 24, 2025net loss rateFY20258% – 8.2%Lowered
Apr 24, 2025normalized effective tax rateFY202525% – 26%Raised
Jan 30, 2025net loss rateFY20258% – 8.2%New
Jan 30, 2025normalized effective tax rateFY202525% – 26%Raised
Oct 24, 2024effective tax rateFY202425% – 26%Reaffirmed
Jul 25, 2024net loss rateFY20248%Lowered
Jul 25, 2024net loss rateFY20248%Reaffirmed

Read from the company's earnings releases; each figure links to its sentence on hover. “Raised” and “Lowered” compare with the previous range for the same metric and period.

Press releases

Releases Bread Financial filed with the SEC as exhibits to Form 8-K or 6-K

  1. Bread Financial Announces Launch of an Offering of Depositary Shares Representing Interests in Its Series C Preferred Stock
    News
  2. PERFORMANCE UPDATE FOR SEPTEMBER 2026
    Update
  3. Quarterly results release
    Results
  4. Quarterly results release
    Results
  5. Bread Financial Declares Dividends on Preferred Stock and Increased Dividend on Common Stock
    Results
  6. PERFORMANCE UPDATE FOR AUGUST 2026
    Update
  7. PERFORMANCE UPDATE FOR JULY 2026
    Update
  8. PERFORMANCE UPDATE FOR JUNE 2026
    Update
  9. Quarterly results release
    Results
  10. Quarterly results release
    Results
  11. Bread Financial Declares Dividends on Preferred and Common Stock
    Results
  12. Bread Financial Announces Executive Leadership Changes
    Update
  13. PERFORMANCE UPDATE FOR MAY 2026
    Update
  14. PERFORMANCE UPDATE FOR APRIL 2026
    Update
  15. Bread Financial Announces Pricing of an Offering of Depositary Shares Representing Interests in Its Series B Preferred Stock
    News