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Q3 2026 earnings • in 2 days
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BFH:NYSE
Bread Financial Holdings Inc
$104.61
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+2.11%(+2.16) 1D
Oct 20, 3:03:07 PM GMT-4 · USD
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| Symbol | Price | Change | % Change |
|---|
insights_autoGenerating top insights for BFH...
Open
$102.17
High
$105.84
Low
$102.17
Mkt. cap
3.94B
Avg. vol.
578.90K
Volume
262.16K
52-wk high
$114.53
52-wk low
$59.26
Beta
1.15
Shares outstanding
38.42M
No. of employees
6K
Open
$102.17
High
$105.84
Low
$102.17
Mkt. cap
3.94B
Avg. vol.
578.90K
Volume
262.16K
52-wk high
$114.53
52-wk low
$59.26
Beta
1.15
Shares outstanding
38.42M
No. of employees
6K
News stories
From web sources and news partners
Simply Wall Street
·
2 hours ago
How Upgraded Earnings Outlook Will Impact Bread Financial Stock (BFH)
Zacks
·
5 hours ago
Community Financial System (CBU) Earnings Expected to Grow: What to Know Ahead of Next Week's Release
TradingView
·
6 hours ago
Bread Financial Holdings, Inc. expected to post earnings of $3.26 a share - Earnings Preview
Investing.com Canada
·
11 hours ago
Form 4 Bread Financial Holdings Inc: John C. Gerspach (Director) For: 15 October
Profile
Bread Financial Holdings, Inc. is an American publicly traded provider of private label credit cards, coalition loyalty programs, and direct marketing, derived from the capture and analysis of transaction-rich data.
A significant portion of Bread Financial's revenue is generated through late fees charged to the subprime consumers it primarily serves. In October 2024 the Wall Street Journal reported that Bread Financial would raise its soft interest rate of 29.99% and add additional fees to customer accounts in anticipation of a Consumer Financial Protection Bureau ruling that would reduce its $41.00 late payment fee to $8.00. Wikipedia
About Bread Financial Holdings Inc
CEORalph Andretta
Employees6K
FoundedApr 22, 1983
HeadquartersColumbus, Ohio, United States
SectorPayment service provider
Websitebreadfinancial.com
Analyst ratings
Based on 12 analysts giving stock ratings to BFH in the past 3 months
Buy
Buy
6
Hold
6
Sell
0
12-month forecast
Based on 12 Wall Street analysts offering 12 month price targets for BFH in the last 3 months.
Highest
Current $104.61
$130.00 (+24.27%)
Average
$117.36 (+12.19%)
Lowest
$107.00 (+2.28%)
Analyst | Recommendation | Action | Price target | Projected | Date |
|---|---|---|---|---|---|
Jon Arfstrom RBC Capital | Hold | Maintained | $115.00 | +9.9% | 10/09/2026 |
Bill Ryan Seaport Global | Buy | Maintained | $121.00 | +15.7% | 10/07/2026 |
Moshe Orenbuch TD Cowen | Hold | Maintained | $111.00 | +6.1% | 10/06/2026 |
Mihir Bhatia Bank of America Securities | Buy | Maintained | - | - | 10/05/2026 |
Terry Ma Barclays | Hold | Maintained | $110.00 | +5.2% | 10/05/2026 |
John Pancari Evercore ISI | Buy | Maintained | $118.00 | +12.8% | 10/01/2026 |
Donald Fandetti Wells Fargo | Hold | Reiterated | $115.00 | +9.9% | 09/30/2026 |
Darrin Peller Wolfe Research | Buy | Upgraded | $130.00 | +24.3% | 08/25/2026 |
Nicholas Holowko Raymond James | Buy | Maintained | $127.00 | +21.4% | 08/03/2026 |
Ryan Nash Goldman Sachs | Hold | Reiterated | $108.00 | +3.2% | 07/23/2026 |
Jeffrey Adelson Morgan Stanley | Hold | Maintained | $107.00 | +2.3% | 07/24/2026 |
Sanjay Sakhrani KBW | Buy | Maintained | $129.00 | +23.3% | 07/24/2026 |
Vincent Caintic BTIG | Buy | Reiterated | $132.00 | +26.2% | 06/30/2026 |
Dominick Gabriele Loop Capital Markets | Buy | Initiated | $104.00 | -0.6% | 05/21/2026 |
Hoang Nguyen TD Cowen | Hold | Maintained | $95.00 | -9.2% | 05/15/2026 |
Next call in 41:24:57
Thu, Oct 22, 2:30 PM
Fiscal period
Q3 2026
- Normalized EPS / Est. (USD)
- GAAP EPS / Est. (USD)
- / $3.23
Revenue / Est. (USD)
- / 1.01B
Fiscal Q3 2026 earnings call
youtube_liveWaiting for the earnings call
At a glance: upcoming earnings
Insights from the latest news and reports
Previous reportsAll values in USD
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Income statement
Revenue
Net income
- Quarterly
- Annual
All values in USD | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|
Revenue | 672.00M | 602.00M | 715.00M | 680.00M |
Cost of goods sold | - | - | - | - |
Cost of revenue | - | - | - | - |
Research and development expenses | - | - | - | - |
Total research and development expenses | - | - | - | - |
Selling, general, and admin expenses | 358.00M | 380.00M | 355.00M | 365.00M |
Operating expense | 473.00M | 500.00M | 472.00M | 483.00M |
Total operating expenses | 473.00M | 500.00M | 472.00M | 483.00M |
Operating income | 199.00M | 102.00M | 243.00M | 197.00M |
Other non operating income | - | - | - | - |
EBT including unusual items | 196.00M | 47.00M | 243.00M | 197.00M |
EBT excluding unusual items | 199.00M | 102.00M | 243.00M | 197.00M |
Income tax expense | 8.00M | -6.00M | 62.00M | 51.00M |
Effective tax rate | 4.08% | -12.77% | 25.51% | 25.89% |
Other operating expenses | 115.00M | 120.00M | 117.00M | 118.00M |
Net income | 188.00M | 54.00M | 181.00M | 146.00M |
Net profit margin | 27.98% | 8.97% | 25.31% | 21.47% |
Earnings per share | 4.02 | 2.07 | 4.18 | 3.55 |
Interest and investment income | - | - | - | - |
Interest expense | - | - | - | - |
Net interest expenses | - | - | - | - |
Depreciation and amortization charges | - | - | - | - |
EBITDA | - | - | - | - |
Gain or loss from assets sale | -3.00M | - | - | - |
Insider transactions
Insider transactions data is drawn from third-party sources. Learn more
Insider | Position | Type | Date | Shares | Amount |
|---|---|---|---|---|---|
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