BFH Bread Financial Holdings, Inc.

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Bread Financial Beat Consensus Estimates, Raises Guidance

Thursday, October 22, 2026 · 6:45 AM ET

Bread Financial (BFH) reported earnings of $3.84 per share on revenue of $1.22 billion for the third quarter ended September 2026. The consensus earnings estimate was $3.26 per share on revenue of $1.01 billion. The company beat consensus estimates by 17.79% while revenue grew 2.96% on a year-over-year basis.

The company said it expects 2026 revenue of approximately $4.04 billion. The company's previous guidance was for revenue of approximately $3.89 to $4.04 billion, and the current consensus revenue estimate is $4.01 billion for the year ending December 31, 2026.

Bread Financial is a tech-forward financial services company providing simple, personalized payment, lending and saving solutions.

Earnings Whisper Grade —
Power Rating—
Reported Earnings
$3.84
Earnings Whisper®
—
Consensus Estimate
$3.26
Earnings Surprise
Earnings Growth-4.5 %
Reported Revenue
$1.22B
Revenue Estimate
$1.01B

Consensus estimates for banks and some financial institutions are for net interest income, which may not be comparable to reported revenue.

Revenue Surprise
Revenue Growth3.0 %

Bread Financial Reports Third Quarter 2026 Results

Thursday, October 22, 2026 · 6:45 AM ET GlobeNewswire

COLUMBUS, Ohio, Oct. 22, 2026 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced its third quarter 2026 financial results. All earnings-related materials are now available at the company’s investor relations website, here. 

Bread Financial President and Chief Executive Officer Ralph Andretta and Chief Financial Officer Perry Beberman will host a conference call at 8:30 a.m. ET today to discuss results. A link to the conference call will be available at the company’s investor relations website, and a replay will also be available there following the call. 

About Bread Financial® 
Bread Financial® (NYSE: BFH) is a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers. Our payment solutions deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, technology, electronics, jewelry, home and specialty apparel through our co-brand and private label credit cards and pay-over-time products providing choice and value to our shared customers. Additionally, we offer Bread Financial general purpose credit cards and saving products that empower our customers and their passions for a better life.

Bread Financial proudly marks 30 years of success in?2026. To learn more about our global associates, our performance and our sustainability progress, visit breadfinancial.com or follow us on?Instagram?and?LinkedIn. 

Contacts 
Brian Vereb — Investor Relations 
Brian.Vereb@breadfinancial.com 

Susan Haugen — Investor Relations 
Susan.Haugen@breadfinancial.com 

Rachel Stultz — Media 
Rachel.Stultz@breadfinancial.com 


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Source: Bread Financial Payments, Inc.