BREAD FINANCIAL HOLDINGS, INC.
Close on Oct 19, 2026
- Market cap
- $4.17B
- P/E (TTM)
- 8.0
- Dividend yield
- 0.84%
Earnings
Next report expected Oct 22, 2026, before market open (estimated from past report dates)
| Quarter | Reported | Time | Revenue | EPS (GAAP) | EPS (adjusted) |
|---|---|---|---|---|---|
| Q2 FY2026 Ended Jun 30, 2026 | Jul 23, 2026 | Before market open | $993.00M | $3.55 | $3.55 |
| Q1 FY2026 Ended Mar 31, 2026 | Apr 23, 2026 | Before market open | $1.02B | $4.15 | – |
| Q4 FY2025 Ended Dec 31, 2025 | Jan 29, 2026 | Before market open | $975.00M | $1.16 | $2.07 |
| Q3 FY2025 Ended Sep 30, 2025 | Oct 23, 2025 | Before market open | $971.00M | $3.96 | $4.02 |
| Q2 FY2025 Ended Jun 30, 2025 | Jul 24, 2025 | Before market open | $929.00M | $2.94 | $3.15 |
| Q1 FY2025 Ended Mar 31, 2025 | Apr 24, 2025 | Before market open | $970.00M | $2.78 | $2.90 |
| Q4 FY2024 Ended Dec 31, 2024 | Jan 30, 2025 | Before market open | $926.00M | $0.14 | $0.40 |
| Q3 FY2024 Ended Sep 30, 2024 | Oct 24, 2024 | Before market open | $983.00M | $0.05 | $1.83 |
| Q2 FY2024 Ended Jun 30, 2024 | Jul 25, 2024 | Before market open | – | – | – |
| Q1 FY2024 Ended Mar 31, 2024 | Apr 25, 2024 | Before market open | – | – | – |
| Q4 FY2023 Ended Dec 31, 2023 | Jan 25, 2024 | Before market open | – | – | – |
Company guidance
Outlook given with results on Jul 23, 2026, compared with the previous outlook
| Measure | Period | Guidance | vs. prior |
|---|---|---|---|
| net loss rate | 2026 | 7% to 7.1% | Lowered |
| normalized effective tax rate | full year | 25% to 27% | Raised |
Figures and the sentence they come from are taken from the company's earnings release. Hover a measure to read the source sentence.
Press releases
Announcements Bread Financial filed with the SEC
PERFORMANCE UPDATE FOR AUGUST 2026
Regulation FD disclosure · EX-99.1 to Form 8-K
PERFORMANCE UPDATE FOR JULY 2026
Regulation FD disclosure · EX-99.1 to Form 8-K
PERFORMANCE UPDATE FOR JUNE 2026
Regulation FD disclosure · EX-99.1 to Form 8-K
EX-99.1 to Form 8-K
Results of operations · Regulation FD disclosure · Other events · EX-99.1 to Form 8-K
EX-99.2 to Form 8-K
Results of operations · Regulation FD disclosure · Other events · EX-99.2 to Form 8-K
Bread Financial Declares Dividends on Preferred and Common Stock
Results of operations · Regulation FD disclosure · Other events · EX-99.3 to Form 8-K
Bread Financial Announces Executive Leadership Changes
Executive or director change · Regulation FD disclosure · EX-99.1 to Form 8-K
PERFORMANCE UPDATE FOR MAY 2026
Regulation FD disclosure · EX-99.1 to Form 8-K
PERFORMANCE UPDATE FOR APRIL 2026
Regulation FD disclosure · EX-99.1 to Form 8-K
Bread Financial Announces Pricing of an Offering of Depositary Shares Representing Interests in Its Series B Preferred Stock
Other events · EX-99.1 to Form 8-K
Bread Financial Announces Launch of an Offering of Depositary Shares Representing Interests in Its Series B Preferred Stock
Other events · EX-99.1 to Form 8-K
PERFORMANCE UPDATE FOR MARCH 2026
Regulation FD disclosure · EX-99.1 to Form 8-K
EX-99.1 to Form 8-K
Results of operations · Regulation FD disclosure · Other events · EX-99.1 to Form 8-K
EX-99.2 to Form 8-K
Results of operations · Regulation FD disclosure · Other events · EX-99.2 to Form 8-K
Bread Financial Declares Dividends on Preferred and Common Stock
Results of operations · Regulation FD disclosure · Other events · EX-99.3 to Form 8-K
PERFORMANCE UPDATE FOR FEBRUARY 2026
Regulation FD disclosure · EX-99.1 to Form 8-K
Bread Financial Announces $600 Million Increase in Share Repurchase Authority
Regulation FD disclosure · EX-99.1 to Form 8-K
PERFORMANCE UPDATE FOR JANUARY 2026
Regulation FD disclosure · EX-99.1 to Form 8-K
PERFORMANCE UPDATE FOR DECEMBER 2025
Regulation FD disclosure · EX-99.1 to Form 8-K
EX-99.1 to Form 8-K
Results of operations · Regulation FD disclosure · Other events · EX-99.1 to Form 8-K
EX-99.2 to Form 8-K
Results of operations · Regulation FD disclosure · Other events · EX-99.2 to Form 8-K
EX-99.3 to Form 8-K
Results of operations · Regulation FD disclosure · Other events · EX-99.3 to Form 8-K
PERFORMANCE UPDATE FOR NOVEMBER 2025
Regulation FD disclosure · EX-99.1 to Form 8-K
Bread Financial Announces Pricing of an Offering of Depositary Shares Representing Interests in Its Series A Preferred Stock
Other events · EX-99.1 to Form 8-K
Bread Financial Announces Launch of an Offering of Depositary Shares Representing Interests in Its Series A Preferred Stock
Other events · EX-99.1 to Form 8-K
PERFORMANCE UPDATE FOR OCTOBER 2025
Regulation FD disclosure · EX-99.1 to Form 8-K
BREAD FINANCIAL ANNOUNCES PRICING OF PRIVATE OFFERING OF $500 MILLION OF
Material agreement · Other events · EX-99.1 to Form 8-K
Bread Financial TM Announces Private Offering of Senior Notes
Other events · EX-99.1 to Form 8-K
PERFORMANCE UPDATE FOR SEPTEMBER 2025
Regulation FD disclosure · EX-99.1 to Form 8-K
EX-99.1 to Form 8-K
Results of operations · Regulation FD disclosure · Other events · EX-99.1 to Form 8-K
EX-99.2 to Form 8-K
Results of operations · Regulation FD disclosure · Other events · EX-99.2 to Form 8-K
Bread Financial Announces Increased Dividend on Common Stock and $200 Million Increase in Share Repurchase Authority
Results of operations · Regulation FD disclosure · Other events · EX-99.3 to Form 8-K
PERFORMANCE UPDATE FOR AUGUST 2025
Regulation FD disclosure · EX-99.1 to Form 8-K
Bread Financial Announces Approval of $200 Million Share Repurchase Program
Regulation FD disclosure · EX-99.1 to Form 8-K
BREAD FINANCIAL ANNOUNCES EXPIRATION AND RESULTS OF ITS PREVIOUSLY ANNOUNCED
Other events · EX-99.1 to Form 8-K
PERFORMANCE UPDATE FOR JULY 2025
Regulation FD disclosure · EX-99.1 to Form 8-K
BREAD FINANCIAL ANNOUNCES EARLY TENDER RESULTS OF ITS PREVIOUSLY ANNOUNCED
Other events · EX-99.1 to Form 8-K
PERFORMANCE UPDATE FOR JUNE 2025
Regulation FD disclosure · EX-99.1 to Form 8-K
EX-99.1 to Form 8-K
Results of operations · Regulation FD disclosure · Other events · EX-99.1 to Form 8-K
EX-99.2 to Form 8-K
Results of operations · Regulation FD disclosure · Other events · EX-99.2 to Form 8-K