Inve US ▾

Bread Financial (BFH) earnings

BREAD FINANCIAL HOLDINGS, INC.· Financials

Results to
Jun 2026
Latest analysed call
Sep 2026 (Q3 FY26)
Balance sheet to
Dec 2025

Company research is public. Sign in to keep your own companies, notes and cases.

Bread Financial earnings: last reported Thu, 22 Oct 2026, for the quarter ended Sep 2026.

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
RevenueUnavailable—Quarterly, as filedQuarter to Jun 2026Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Operating marginUnavailable—Operating profit / revenueQuarter to Jun 2026Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit146 $ million+5.0% YoYQuarterly, as filedQuarter to Jun 2026Profit after tax as filed.

Source: Inve data from filed results (SEC filings) · to Jun 2026

Guidance

What management said, and what became of it

14 of 18 judged targets kept · 27 open · verdicts reflect calls analysed to Sep 2026.

BREAD FINANCIAL HOLDINGS, INC. management guidance track record on Inve: 45 targets tracked across analysed earnings calls (14 achieved, 4 missed, 27 open).

TargetOriginal wordingSaidLatest callVerdict
Net loss rateapproximately 30 basis points better than the second quarterJun 2026Sep 2026:Our net credit loss rate of 6.40% improved 99 basis points year-over-year and 58 basis points sequentially.
Call transcript, Sep 2026 · no direct link		Achieved
Net loss rate7.2% to 7.4%Dec 2025Sep 2026:we have improved our full year net loss rate guidance to be below 7.0%. We with an expected range of between 6.9% and 7.0% compared to our prior guidance of 7.0% to 7.1%.
Call transcript, Sep 2026 · no direct link		Revised Up
Average loans growthup low single digits compared to 2025Dec 2025Sep 2026:we are sharpening our full year 2026 guidance with average loan growth up approximately 4% year-over-year compared to our previous guidance of up low to mid-single digits.
Call transcript, Sep 2026 · no direct link		On Track

Source: Inve Guidance Tracker for BREAD FINANCIAL HOLDINGS, INC. · to Sep 2026

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

4 of BREAD FINANCIAL HOLDINGS, INC.'s 45 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 42 more targets are in the full ledger.

Free account: 5 full ledgers a month and one Inve Case. US Pro opens 100 a month: first month free, no card.
See the full record

Price

$99.89 −2.50% · −$2.56

Last close Oct 23, 2026 · US · USD · Source: Inve

Performance +65.0% 1Y

$60$80$100Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Oct 26Mar 2026 (Q1 FY26) — 23 Apr 2026Jun 2026 (Q2 FY26) — 23 Jul 2026Sep 2026 (Q3 FY26) — 22 Oct 2026

1Y: $60.54 on 22 Oct 2025 → $99.89. High $113.4 (14 Aug 2026), low $59.98 (17 Nov 2025).

Previous close
$102.45
52-week range
$59.98 – $113.4
One year
+52.60%

Overview

Symbol
BFH
Exchange
US
Currency
USD

Your own record

Start an Inve Case for BREAD FINANCIAL HOLDINGS, INC.

Free account. Everything above stays public.

Write why you follow BREAD FINANCIAL HOLDINGS, INC. and the condition you want checked. Inve compares your numeric conditions with available results and management guidance; your own conditions remain yours to review.

What an account adds

Keep reading

Other US companies filed under B

All 194 companies under B

US companies A–Z · Earnings calls · US earnings-call directory · US sector analysis · What management promised, and delivered