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Bread Financial Holdings (BFH)
NYSE:BFH
Earnings Data
Report Date
Jan 22, 2026Before Open (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.33Last Year’s EPS
0.41Same Quarter Last Year
Based on 11 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
Bread Financial demonstrated strong financial performance with an increase in net income and credit sales, supported by resilient consumer health and strategic partnerships. Despite some challenges with decreased average loans and elevated net loss rates, the company's proactive measures, such as share repurchases and a dividend increase, along with a credit ratings upgrade, paint a positive outlook.Company Guidance
Strong Financial Results
Bread Financial reported net income of $188 million, adjusted net income of $191 million, and earnings per diluted share of $4.02. Tangible book value per common share grew by 19% year-over-year to $56.36, and return on average tangible common equity was 28.6%.
Positive Credit Sales and Consumer Health
Credit sales increased 5% year-over-year despite inflationary concerns, with strong back-to-school shopping and improvements in apparel and beauty segments. Consumer financial health showed resilience with higher payment rates and lower delinquencies and losses.
Share Repurchase and Increased Dividend
Bread Financial initiated a $200 million share repurchase program and announced a 10% increase to its quarterly cash dividend, demonstrating strong capital and cash flow generation.
Credit Ratings Upgrade
The company received a credit ratings upgrade and a positive outlook from Moody's, recognizing progress in financial resilience and enterprise risk management.
Expansion in the Home Vertical
New brand partnerships were signed with Bed Bath & Beyond, Furniture First, and Raymour & Flanigan, expanding Bread Financial's foothold in the home vertical.
BFH Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
BFH Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Oct 23, 2025 | $60.54 | $65.46 | +8.13% |
Jul 24, 2025 | $63.97 | $60.78 | -4.99% |
Apr 24, 2025 | $47.50 | $48.53 | +2.17% |
Jan 30, 2025 | $62.94 | $63.00 | +0.10% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Bread Financial Holdings (BFH) report earnings?
Bread Financial Holdings (BFH) is schdueled to report earning on Jan 22, 2026, Before Open (Confirmed).
What is Bread Financial Holdings (BFH) earnings time?
Bread Financial Holdings (BFH) earnings time is at Jan 22, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is BFH EPS forecast?
BFH EPS forecast for the fiscal quarter 2025 (Q4) is 0.33.