# Bread Financial (BFH) — Earnings

BFH · NYSE · Stock

Canonical page: https://www.lighthorse.io/tickers/bfh/earnings

## Most recent quarter

| Metric | Value |
| --- | --- |
| Fiscal period | Q2 2026 |
| Period end | Jun 30, 2026 |
| EPS actual | $3.55 |
| EPS estimate | $2.74 |
| EPS surprise | +29.69% |
| Revenue surprise | +3.51% |
| Revenue | $993.0M |
| Revenue estimate | $959.3M |
| Reported | Jul 23, 2026 |
| SEC filing | [View filing](https://www.sec.gov:443/Archives/edgar/data/1101215/000110121526000074/bfh-20260630.htm) |
| Earnings call | [Transcript](http://o.thsi.cn/dc-d-stock-america.teleconference/e5ae120a-8de7-6836-28da-f882dbf2e62a.html) |

Bread Financial reported Q2 2026 results on July 23, 2026. Earnings per share were $3.55, beating the $2.74 estimate by 29.69%. Revenue was $993.0 million, about 4% above the $959.3 million consensus. Compared with Q2 2025, EPS rose about 13% from $3.14 and revenue rose about 7% from $929.0 million.

Earnings in the table swing widely from quarter to quarter. Annual EPS was $4.47 in 2022, $14.71 in 2023, $7.64 in 2024 and $12.09 in 2025. The 2023 total includes Q1 2023 at $9.08, the table's high, and Q4 2022 was the only loss, at $2.68 per share. Revenue has stayed in a narrower band, mostly between $0.9 billion and $1.0 billion. The first half of 2026 brought $7.73 per share, about 29% more than a year earlier. Bread Financial beat the EPS estimate 15 times in the last 20 quarters, including each of the last seven.

Bread Financial reported Q3 between October 23 and October 28 in each of the past five years. That points to late October 2026 for the next report. It will show whether EPS stays above year-earlier levels, as it has in each quarter since Q1 2025.

## Earnings history

| Fiscal period | Report date | EPS estimate | EPS actual | Surprise | Revenue estimate | Revenue actual |
| --- | --- | --- | --- | --- | --- | --- |
| Q2 2026 | Jul 23, 2026 | $2.74 | $3.55 | 29.69% | $959.3M | $993.0M |
| Q1 2026 | Apr 23, 2026 | $3.18 | $4.18 | 31.34% | $997.0M | $1.0B |
| Q4 2025 | Jan 29, 2026 | $0.36 | $2.07 | 468.37% | $953.3M | $975.0M |
| Q3 2025 | Oct 23, 2025 | $2.11 | $4.02 | 90.28% | $968.1M | $971.0M |
| Q2 2025 | Jul 24, 2025 | $1.96 | $3.14 | 60.33% | $936.2M | $929.0M |
| Q1 2025 | Apr 24, 2025 | $2.23 | $2.86 | 28.41% | $955.4M | $970.0M |
| Q4 2024 | Jan 30, 2025 | $0.25 | $0.41 | 62.89% | $959.4M | $926.0M |
| Q3 2024 | Oct 24, 2024 | $1.94 | $1.84 | -5.17% | $981.3M | $983.0M |
| Q2 2024 | Jul 25, 2024 | $1.65 | $2.66 | 60.74% | $922.0M | $939.0M |
| Q1 2024 | Apr 25, 2024 | $2.98 | $2.73 | -8.50% | $999.0M | $991.0M |
| Q4 2023 | Jan 25, 2024 | −$0.67 | $0.90 | 233.37% | $983.4M | $1.0B |
| Q3 2023 | Oct 26, 2023 | $2.33 | $3.46 | 48.63% | $995.0M | $1.0B |
| Q2 2023 | Jul 27, 2023 | $0.06 | $1.27 | 1906.32% | $965.8M | $952.0M |
| Q1 2023 | Apr 27, 2023 | $7.00 | $9.08 | 29.68% | $1.1B | $1.3B |
| Q4 2022 | Jan 26, 2023 | −$2.94 | −$2.68 | 8.79% | $1.0B | $1.0B |
| Q3 2022 | Oct 27, 2022 | $2.52 | $2.69 | 6.75% | $968.5M | $979.0M |
| Q2 2022 | Jul 28, 2022 | $2.21 | $0.25 | -88.68% | $901.7M | $893.0M |
| Q1 2022 | Apr 28, 2022 | $4.32 | $4.21 | -2.50% | $907.9M | $921.0M |
| Q4 2021 | Jan 27, 2022 | $1.81 | $1.21 | -33.17% | $1.1B | $855.0M |
| Q3 2021 | Oct 28, 2021 | $2.83 | $4.11 | 45.46% | $1.1B | $1.1B |

## Frequently Asked Questions

### When did Bread Financial (BFH) last report earnings?

Bread Financial last reported on Jul 23, 2026, covering fiscal Q2 2026.

### Did BFH beat earnings estimates?

Yes. Bread Financial reported EPS of $3.55 for Q2 2026 against a $2.74 estimate — a 29.69% beat.

### How much revenue did BFH report last quarter?

Bread Financial reported $993.0M in revenue for Q2 2026, against a consensus estimate of $959.3M.

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Earnings figures may be restated, revised or corrected by the issuer. Past results do not indicate future performance.

This page is for informational purposes only. Nothing on it is a recommendation, solicitation or offer to buy or sell any security, nor investment, legal or tax advice. Light Horse Securities Inc does not verify third-party data and is not responsible for its accuracy, completeness or timeliness.

Data provided by [AInvest](https://www.ainvest.com).