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BF

Bread Financial Holdings, Inc. (BFH)

NYSE • Financial Services

$100.73
+$3.09 (+3.2%)
Market closed

Last close at October 8, 2026 at 20:00 UTC

Open$97.71
Day Range$97.62 - $101.24
Avg. Volume (3M)623.8K
Market Cap$4B
P/E Ratio7.7
52 Week Range
$53.83$114.53
Next EarningsIn 13 daysOct 22, 2026

Metrics Over Time

Where the Money Goes

Q2 2026
Revenueeverything earned$1.1B100%
Gross Profitminus cost of goods$680M57%
Operating Incomeminus R&D and overhead$197M17%
Net Incomeminus taxes and the rest$146M12%

In plain terms: out of every $100 in revenue, Bread Financial Holdings, Inc. keeps $12 as net profit.

Fundamentals & Financials

Revenue (TTM)
$4.7B
Net Income (TTM)
$568M
EPS (TTM)
$13.01
ROA (TTM)
2.53%
Current Ratio
0
Dividend Yield
0.25%

TTM is calculated as the sum of the four most recently completed quarters. This is a standard approach when monthly or real-time data is not available.

Earnings

+417.5%Q1 2026$2.07
+39.3%Q2 2026$4.18
+29.6%Q3 2026$3.55
Next

Oct 22

in 13 daysQ4 2026

% — EPS deviation from the forecast (beat / miss); quarters without a forecast show the reported EPS

Latest report — Q3 2026
Beat +29.6%

Bread Financial Holdings topped consensus on earnings in the second fiscal quarter of 2026, based on preliminary results reported July 23, with EPS of $3.55 beating the $2.74 estimate by 29.6%. Revenue came in at about $1.2 billion, while operating income was about $197 million and operating margin held near 16.6%. Net income was about $146 million, up 5.0% from $139 million a year ago, and adjusted for the comparison already embedded in the headline, EPS was up 13.1% from $3.14 in the prior-year quarter. The company repurchased about $153 million of stock and paid about $14 million in dividends during the period. Consensus for the next period calls for EPS of $3.33.

Next report — what to expect

Bread Financial Holdings, Inc. (BFH) is set to report on October 22, 2026. Wall Street’s consensus calls for EPS of $3.42 on revenue of $1.01 billion. For trailing context, revenue grew +3.4% year over year last quarter. BFH has beaten EPS in 7 of its 8 most recent quarters.

View full earnings history

About Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc. (NYSE: BFH) is a consumer finance company focused on credit and payment products for merchants and their customers across North America. In FY2025, it generated $4.7 billion in revenue. Its business spans store-card financing, general purpose cards, buy now pay later products, and digital payment tools.

Name
Bread Financial Holdings, Inc.
CEO
Ralph J. Andretta
Website
www.breadfinancial.com
Industry
Financial Services
Year Founded
1996
Employees
6,000

Today's Snapshot

AI-generated

BFH closed 3.2% higher at 100.73, in line with a firmer sector. BFH reports earnings on 22 October.

Trading Volume

Above 10d avg 511.4K

569.4K

vs S&P 500 Today

Strong Outperformance

+3.70%

Updated: October 8, 2026 at 20:29 UTC

Technical Indicators

3 Buy2 Neutral3 Sell
BFH displays a blend of short-term softness and longer-term support that produces a neutral reading. Momentum is subdued with RSI under 50 and MACD negative, yet the price remains above the 200-day average and ADX near 24 signals only a moderate trend. Short- and medium-term moving averages sit above the current price, and OBV points to net outflow, while ATR around $3.45 reflects moderate volatility. The price also trades above the classic pivot at 97.55, adding a slight technical floor. Technical takeaway: Neutral — competing signals from longer-term support and shorter-term weakness create an ambiguous setup.
All signals
  • EMA (5 indicators)$89.82 - $103.19
    Buy
  • RSI (14)45.91
    Neutral
  • Stochastic %K (14, 3, 3)28.58
    Neutral
  • MACD Level (12, 26)-2.23
    Sell

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