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Bread Financial Holdings (BFH)
NYSE:BFH
Earnings Data
Report Date
Oct 23, 2025Before Open (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
2.11Last Year’s EPS
1.84Same Quarter Last Year
Based on 13 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
Bread Financial delivered a strong second quarter with notable achievements in credit sales growth, operational excellence, and successful capital initiatives. However, challenges remain in terms of revenue decline and loan growth, largely due to external factors like consumer spending patterns and credit losses.Company Guidance
Strong Second Quarter Results
Bread Financial reported adjusted net income of $149 million and adjusted earnings per diluted share of $3.15. Return on average tangible common equity was 22.7% for the quarter.
Credit Sales Growth
Credit sales grew 4% year-over-year for the second quarter, driven by new partner growth and higher general purpose spending.
Operational Excellence
Despite technology-related investments, inflation, and wage pressures, adjusted total noninterest expense was essentially flat year-over-year.
Successful Capital Initiatives
Bread Financial completed a $150 million share repurchase program and a $150 million tender offer for senior notes, enhancing shareholder value.
Direct-to-Consumer Deposit Growth
Direct-to-consumer deposits increased to $8.1 billion at quarter end, up 12% year-over-year.
Partnership Extensions
Bread Financial announced the multiyear extension of its relationship with Caesars Entertainment, securing top 10 programs into at least 2028.
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 |
|---|---|---|---|
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.