The earnings call highlighted strong adjusted earnings and credit sales growth, along with successful strategic initiatives like share repurchases and new credit card program launches. The company reported improvements in credit metrics, which led to an improved net loss rate outlook. However, there were challenges such as a decline in revenue, decreased average loans, and increased noninterest expenses. Overall, while there are positive elements, the challenges present a balanced view.

Company Guidance -

Q3 2025

During Bread Financial's second quarter 2025 earnings call, the company reported strong financial results, including an adjusted net income of $149 million and adjusted earnings per diluted share of $3.15, excluding a $10 million post-tax impact from debt repurchase expenses. The return on average tangible common equity was 22.7%. Credit sales increased by 4% year-over-year, with a focus on nondiscretionary spending. The net loss rate outperformed expectations, leading to an improved full-year outlook of 7.8% to 7.9%. Total noninterest expenses remained flat year-over-year, despite ongoing technology investments, inflation, and wage pressures. The company's direct-to-consumer deposits grew to $8.1 billion, up 12% year-over-year. Bread Financial also highlighted the multiyear extension with Caesars Entertainment and the launch of a new Caesars Rewards credit card, as well as a new co-brand credit card program with Crypto.com offering up to 5% in crypto rewards. The company completed a $150 million share repurchase program and a $150 million tender offer for senior notes, optimizing its balance sheet and enhancing shareholder value.

Strong Adjusted Earnings

Bread Financial reported an adjusted net income of $149 million and adjusted earnings per diluted share of $3.15, excluding a $10 million post-tax impact from debt repurchase expenses.

Credit Sales Growth

Credit sales grew by 4% year-over-year in the second quarter, driven by new partner growth and higher general-purpose spending.

Improved Net Loss Rate

The net loss rate was reduced to a range of 7.8% to 7.9% from the previous range of 8.0% to 8.2%, reflecting better-than-expected improvements in credit metrics.

Successful Share Repurchase and Debt Tender

Completed a $150 million share repurchase program and a $150 million tender offer for senior notes, optimizing the balance sheet.

Growth in Direct-to-Consumer Deposits

Direct-to-consumer deposits increased to $8.1 billion at quarter end, up 12% year-over-year, improving the funding mix.

Renewal and Launch of New Credit Programs

Extended a long-term relationship with Caesars Entertainment and launched new credit card programs, including a Crypto.com co-brand credit card.

Bread Financial Holdings (BFH) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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BFH Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	2.11 / -	1.84	―	―	―
Jul 24, 2025	2025 (Q2)	1.93 / 3.14	2.66	18.05% (+0.48)
Apr 24, 2025	2025 (Q1)	2.23 / 2.86	2.73	4.76% (+0.13)
Jan 30, 2025	2024 (Q4)	0.25 / 0.41	0.9	-54.44% (-0.49)
Oct 24, 2024	2024 (Q3)	1.94 / 1.84	3.46	-46.82% (-1.62)
Jul 25, 2024	2024 (Q2)	1.66 / 2.66	1.27	109.45% (+1.39)
Apr 25, 2024	2024 (Q1)	2.98 / 2.73	9.08	-69.93% (-6.35)
Jan 25, 2024	2023 (Q4)	-0.68 / 0.90	-2.68	133.58% (+3.58)
Oct 26, 2023	2023 (Q3)	2.33 / 3.46	2.69	28.62% (+0.77)
Jul 27, 2023	2023 (Q2)	0.06 / 1.27	0.25	408.00% (+1.02)

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
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%
Oct 24, 2024	$50.26	$49.33	-1.85%

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 Oct 23, 2025, Before Open (Confirmed).

What is Bread Financial Holdings (BFH) earnings time?

Bread Financial Holdings (BFH) earnings time is at Oct 23, 2025, 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 (Q3) is 2.11.

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