BFH Earnings Date: Feb 4, 2027 (Estimated) — Bread Financial Holdings, Inc.
NYSE · Financials · Credit Services
Updated
When is BFH's next earnings date?
Bread Financial Holdings, Inc. (BFH) is expected to report Q4 2026 earnings on Thursday, February 4, 2027 at 6:00 AM ET (before market open); the date is an estimate and has not been confirmed by the company. The consensus estimate is EPS of $1.18 on revenue of $985.9M.
How did BFH do in its last earnings report?
In its most recent report on Oct 22, 2026 (Q3 2026), Bread Financial Holdings, Inc. posted EPS of $3.84 versus the $3.43 estimate, a beat of 11.9%. Revenue was $1.02B against a $1.01B estimate. The stock's 1-day post-earnings move was -5.7%.
How much does BFH stock move after earnings?
BFH beat EPS estimates in 7 of its last 8 reported quarters. Over the last 8 reports the stock moved an average of 3.4% (up or down) in the day after earnings.
About Bread Financial Holdings, Inc.
Bread Financial Holdings, Inc. offers cutting-edge payment and credit solutions to consumers and various industries throughout North America. Their services include comprehensive financing for credit cards and other loans, which involves managing risk, originating accounts, and providing funding for approximately 130 private label and co-branded credit card programs. They also support around 500 small and medium-sized businesses through their Bread partnerships and issue Comenity-branded general purpose cash-back credit cards. The company is responsible for administering and overseeing all loans it generates, covering private label, co-brand, and general-purpose credit card portfolios, as well as its Bread BNPL (Buy Now Pay Later) products, which include installment and split-pay options. Beyond lending, they provide marketing, data, and analytics services. Their enhanced digital toolkit features a unified Software Development Kit (SDK), allowing seamless integration with their product range and encouraging the presentation of credit payment choices earlier in the retail journey. Additionally, the Bread digital payments platform, powered by a comprehensive suite of application programming interfaces (APIs), empowers merchants and partners to readily incorporate online point-of-sale financing, such as installment and split-pay solutions. Established in Columbus, Ohio in 1996, the company was formerly known as Alliance Data Systems Corporation until it rebranded as Bread Financial Holdings, Inc. in March 2022.
🤖 AI Earnings Analysis
Bread Financial’s $3.84 EPS beat consensus by $0.41, but fell 4.5% year over year from $4.02; absent revenue data or catalysts, the credit-card lender’s earnings picture is mixed, not accelerating.
AI-generated summary — powered by BigEarnings.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-10-22 | Q3 2026 | 3.43 | 3.84 | +11.95% | $1.02B | ✅ Beat | -5.69% | -3.59% | — |
| 2026-07-23 | Q2 2026 | 2.68 | 3.55 | +32.46% | $993.0M | ✅ Beat | +1.67% | +5.03% | +1.29% |
| 2026-04-23 | Q1 2026 | 3.04 | 4.18 | +37.50% | $1.02B | ✅ Beat | -0.35% | -7.60% | -7.21% |
| 2026-01-29 | Q4 2025 | 0.45 | 2.07 | +360.00% | $975.0M | ✅ Beat | +7.08% | +12.16% | +4.20% |
| 2025-10-23 | Q3 2025 | 2.14 | 4.02 | +87.85% | $971.0M | ✅ Beat | +8.12% | +2.76% | +2.24% |
| 2025-04-24 | Q1 2025 | 2.23 | 2.86 | +28.25% | $970.0M | ✅ Beat | +2.17% | -0.87% | +7.60% |
| 2025-01-30 | Q4 2024 | 0.37 | 0.41 | +10.81% | $926.0M | ✅ Beat | +0.10% | -2.73% | -14.86% |
| 2024-10-24 | Q3 2024 | 1.86 | 1.84 | -1.08% | $983.0M | ❌ Miss | -1.87% | -0.08% | +11.73% |
Showing last 8 quarters.
Revenue by segment & region
By segment
Q3 FY21 · $166.0M total
| Segment | Share | Revenue | YoY | Q1 FY20 | Q2 FY20 | Q3 FY20 | Q4 FY20 |
|---|---|---|---|---|---|---|---|
| Short Term Loyalty Programs | 57.7% | $95.8M | -18.4% | $120.3M | $84.8M | $117.4M | $165.2M |
| Coalition Loyalty Program | 41.3% | $68.6M | +8.9% | $71.3M | $61.6M | $63.0M | $66.6M |
| Other | 1.0% | $1.6M | +45.5% | $3.4M | $1.6M | $1.1M | — |
By region
Q3 FY21 · $1.10B total
| Segment | Share | Revenue | YoY | Q1 FY20 | Q2 FY20 | Q3 FY20 | Q4 FY20 |
|---|---|---|---|---|---|---|---|
| U | 84.6% | $929.9M | +7.0% | $1.19B | $832.4M | $869.0M | $880.5M |
| C | 6.9% | $76.0M | +8.1% | $79.1M | $64.7M | $70.3M | $72.8M |
| E M E A | 6.2% | $68.1M | -11.4% | $68.6M | $50.7M | $76.9M | $136.4M |
| Asia Pacific | 2.1% | $23.0M | +82.5% | $37.0M | $13.4M | $12.6M | $17.5M |
| Other Geographic Regions | 0.2% | $2.3M | -89.4% | $11.3M | $18.1M | $21.7M | $2.7M |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.