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Bread Financial Holdings Earnings Calls
| Release date | Apr 23, 2026 |
| EPS estimate | $3.00 |
| EPS actual | $4.18 |
| EPS Surprise | 39.33% |
| Revenue estimate | 993.643M |
| Revenue actual | 1.018B |
| Revenue Surprise | 2.45% |
| Release date | Jan 29, 2026 |
| EPS estimate | $0.400 |
| EPS actual | $2.07 |
| EPS Surprise | 417.50% |
| Revenue estimate | 953.339M |
| Revenue actual | 975M |
| Revenue Surprise | 2.27% |
| Release date | Oct 23, 2025 |
| EPS estimate | $2.11 |
| EPS actual | $4.02 |
| EPS Surprise | 90.52% |
| Revenue estimate | 968.089M |
| Revenue actual | 971M |
| Revenue Surprise | 0.301% |
| Release date | Jul 24, 2025 |
| EPS estimate | $1.85 |
| EPS actual | $3.14 |
| EPS Surprise | 69.73% |
| Revenue estimate | 973.863M |
| Revenue actual | 926M |
| Revenue Surprise | -4.91% |
Last 4 Quarters for Bread Financial Holdings
Below you can see how BFH performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 24, 2025 |
| Price on release | $61.00 |
| EPS estimate | $1.85 |
| EPS actual | $3.14 |
| EPS surprise | 69.73% |
| Date | Price |
|---|---|
| Jul 18, 2025 | $61.16 |
| Jul 21, 2025 | $61.08 |
| Jul 22, 2025 | $62.87 |
| Jul 23, 2025 | $64.20 |
| Jul 24, 2025 | $61.00 |
| Jul 25, 2025 | $63.27 |
| Jul 28, 2025 | $64.02 |
| Jul 29, 2025 | $62.78 |
| Jul 30, 2025 | $61.78 |
| 4 days before | -0.262% |
| 4 days after | 1.28% |
| On release day | 3.72% |
| Change in period | 1.01% |
| Release date | Oct 23, 2025 |
| Price on release | $65.46 |
| EPS estimate | $2.11 |
| EPS actual | $4.02 |
| EPS surprise | 90.52% |
| Date | Price |
|---|---|
| Oct 17, 2025 | $59.03 |
| Oct 20, 2025 | $59.93 |
| Oct 21, 2025 | $60.93 |
| Oct 22, 2025 | $60.54 |
| Oct 23, 2025 | $65.46 |
| Oct 24, 2025 | $65.50 |
| Oct 27, 2025 | $66.26 |
| Oct 28, 2025 | $64.94 |
| Oct 29, 2025 | $62.21 |
| 4 days before | 10.89% |
| 4 days after | -4.96% |
| On release day | 0.0611% |
| Change in period | 5.39% |
| Release date | Jan 29, 2026 |
| Price on release | $73.03 |
| EPS estimate | $0.400 |
| EPS actual | $2.07 |
| EPS surprise | 417.50% |
| Date | Price |
|---|---|
| Jan 23, 2026 | $68.78 |
| Jan 26, 2026 | $70.18 |
| Jan 27, 2026 | $69.45 |
| Jan 28, 2026 | $68.20 |
| Jan 29, 2026 | $73.03 |
| Jan 30, 2026 | $72.54 |
| Feb 02, 2026 | $73.05 |
| Feb 03, 2026 | $75.40 |
| Feb 04, 2026 | $76.50 |
| 4 days before | 6.18% |
| 4 days after | 4.75% |
| On release day | -0.671% |
| Change in period | 11.22% |
| Release date | Apr 23, 2026 |
| Price on release | $92.12 |
| EPS estimate | $3.00 |
| EPS actual | $4.18 |
| EPS surprise | 39.33% |
| Date | Price |
|---|---|
| Apr 17, 2026 | $90.58 |
| Apr 20, 2026 | $91.75 |
| Apr 21, 2026 | $91.31 |
| Apr 22, 2026 | $92.44 |
| Apr 23, 2026 | $92.12 |
| Apr 24, 2026 | $86.16 |
| Apr 27, 2026 | $88.00 |
| Apr 28, 2026 | $86.32 |
| Apr 29, 2026 | $85.42 |
| 4 days before | 1.70% |
| 4 days after | -7.27% |
| On release day | -6.47% |
| Change in period | -5.70% |
Bread Financial Holdings Earnings Call Transcript Summary of Q1 2026
Bread Financial reported a strong Q1 2026: credit sales rose 7% y/y to $6.5B, revenue increased 5% y/y, net income was $181M (diluted EPS $4.15), and average loans inflected positively (+1% to $18.3B; period-end loans +2% to $18.1B). Net interest margin expanded to 19.3% driven by prior pricing actions and lower funding costs; direct-to-consumer deposits grew 10% y/y to $8.7B and now represent 48% of funding. Credit trends continue to improve (delinquency 5.59%, net loss rate 7.33%), reserve rate improved to 11.46%, and management reaffirmed full-year 2026 guidance: low-single-digit average loan and revenue growth, NIM higher than 2025, and a net loss rate at the low end of the 7.2%–7.4% target. Capital and liquidity remain strong (CET1 13.3%; total loss absorption capacity 25.5% of loans), and the company repurchased/retired shares (3.5M in the quarter) with remaining repurchase authorization of $690M while retaining flexibility to issue preferred shares opportunistically. Strategic highlights: new partnerships (Ford co-brand + installment, Ethan Allen), expansion of Bread Pay (AAA, Dell, Ford), continued investments in digital/AI, and disciplined capital allocation focused on returning to mid-20% ROTCE over time.
