Bread Financial Holdings, Inc.
BFHNYSEFinancial Services● Active
$91.80
+$0.69(+0.76%)
Market Cap$3.7B
P/E Ratio—
52W High$99.13
52W Low$49.17
Bread Financial Holdings, Inc. (BFH) Earnings: Dates, EPS & Revenue History
Quarterly EPS vs. estimates, revenue surprises, next earnings date, and analyst consensus.
BFH · earnings · updated Jun 8, 2026
Latest Earnings
Q2 FY2026Report Date: Apr 23, 2026EPS Actual
$4.18
Est. $3.00 · +39.3%
Revenue
$1.02B
Est. $0.99B · +2.5%
Fiscal Period
Q2 FY2026
FY ends December
Report Date
Apr 23, 2026
After Market Close
▲ Beat EPS▲ Beat Revenue🔥 6-Quarter EPS Beat Streak
BFH reports quarterly as a NYSE-listed Financial - Credit Services company. Fiscal year ends in December. Data: FMP · Updated hourly.
Next Earnings Date
Days Away
85
days
Expected Date
Sep 1, 2026
Fiscal Period
Q3 FY2026
Release Time
◌ Time TBD (Unconfirmed)EPS Est.
—
Rev. $0.58B
Days Away85
Expected DateSep 1, 2026
Fiscal PeriodQ3 FY2026
Release TimeTime TBD (Unconfirmed)
EPS Est.—
Rev. Est.$0.58B
EPS & Revenue vs. Estimates
Actual (Beat)
Actual (Miss)
Estimated
Earnings History
| Period | Report Date | EPS Est. | EPS Actual | EPS Surpr. | Revenue | Rev. Est. | Rev. Surpr. |
|---|---|---|---|---|---|---|---|
| ◌ Q3 FY2026 | Jul 23, 2026 | $2.66 | — | — | — | $0.96B | — |
| ▲ Q2 FY2026 | Apr 23, 2026 | $3.00 | $4.18 | +39.3% | $1.02B | $0.99B | +2.5% |
| ▲ Q1 FY2026 | Jan 29, 2026 | $0.40 | $2.07 | +417.5% | $0.97B | $0.95B | +2.3% |
| ▲ Q4 FY2025 | Oct 23, 2025 | $2.11 | $4.02 | +90.5% | $0.97B | $0.97B | +0.3% |
| ▲ Q3 FY2025 | Jul 24, 2025 | $1.85 | $3.14 | +69.7% | $0.93B | $0.97B | -4.9% |
| ▲ Q2 FY2025 | Apr 24, 2025 | $2.10 | $2.86 | +36.2% | $0.97B | $0.95B | +1.7% |
| ▲ Q1 FY2025 | Jan 30, 2025 | $0.33 | $0.41 | +24.2% | $0.93B | $0.97B | -5.0% |
| ▼ Q4 FY2024 | Oct 24, 2024 | $1.94 | $1.84 | -5.2% | $0.98B | $0.98B | +0.2% |
Q3 FY2026
Jul 23, 2026
EPS Actual
—
EPS Est.
$2.66
EPS Surpr.
—
Revenue
—
Q2 FY2026
Apr 23, 2026Beat
EPS Actual
$4.18
EPS Est.
$3.00
EPS Surpr.
+39.3%
Revenue
$1.02B
Q1 FY2026
Jan 29, 2026Beat
EPS Actual
$2.07
EPS Est.
$0.40
EPS Surpr.
+417.5%
Revenue
$0.97B
Q4 FY2025
Oct 23, 2025Beat
EPS Actual
$4.02
EPS Est.
$2.11
EPS Surpr.
+90.5%
Revenue
$0.97B
Q3 FY2025
Jul 24, 2025Beat
EPS Actual
$3.14
EPS Est.
$1.85
EPS Surpr.
+69.7%
Revenue
$0.93B
Q2 FY2025
Apr 24, 2025Beat
EPS Actual
$2.86
EPS Est.
$2.10
EPS Surpr.
+36.2%
Revenue
$0.97B
Q1 FY2025
Jan 30, 2025Beat
EPS Actual
$0.41
EPS Est.
$0.33
EPS Surpr.
+24.2%
Revenue
$0.93B
Q4 FY2024
Oct 24, 2024Miss
EPS Actual
$1.84
EPS Est.
$1.94
EPS Surpr.
-5.2%
Revenue
$0.98B
Analyst Estimates
Limited analyst coverage (fewer than 3 analysts). Estimates may not reflect market consensus.
EPS Estimates
| Period | Low | Consensus | High | # Analysts |
|---|---|---|---|---|
| Q4 FY2028 | $1.22 | $1.25 | $1.29 | 5 |
| Q3 FY2028 | $4.88 | $5.00 | $5.14 | 5 |
| Q2 FY2028 | $4.20 | $4.31 | $4.42 | 6 |
| Q1 FY2028 | $4.98 | $5.10 | $5.24 | 3 |
| Q4 FY2027 | $1.52 | $1.56 | $1.60 | 2 |
| Q3 FY2027 | $3.72 | $3.82 | $3.92 | 2 |
Revenue Estimates
| Period | Low | Consensus | High | # Analysts |
|---|---|---|---|---|
| Q4 FY2028 | $1.0B | $1.0B | $1.1B | 6 |
| Q3 FY2028 | $1.1B | $1.1B | $1.1B | 3 |
| Q2 FY2028 | $1.0B | $1.0B | $1.1B | 5 |
| Q1 FY2028 | $1.1B | $1.1B | $1.1B | 3 |
| Q4 FY2027 | $1.0B | $1.0B | $1.1B | 7 |
| Q3 FY2027 | $1.0B | $1.0B | $1.1B | 4 |
Earnings Price Reaction
Closing price one trading day before vs. one trading day after each earnings release.
| Period | Report Date | EPS Beat/Miss | Price Before | Price After | 1D Reaction |
|---|---|---|---|---|---|
| ▲ Q2 FY2026 | Apr 23, 2026 | +39.3% | $92.44 | $92.12 | -0.35% |
| ▲ Q1 FY2026 | Jan 29, 2026 | +417.5% | $68.20 | $73.03 | +7.08% |
| ▲ Q4 FY2025 | Oct 23, 2025 | +90.5% | $60.54 | $65.46 | +8.13% |
| ▲ Q3 FY2025 | Jul 24, 2025 | +69.7% | $64.20 | $61.00 | -4.98% |
| ▲ Q2 FY2025 | Apr 24, 2025 | +36.2% | $47.74 | $48.91 | +2.45% |
| ▲ Q1 FY2025 | Jan 30, 2025 | +24.2% | $63.65 | $63.71 | +0.09% |
| ▼ Q4 FY2024 | Oct 24, 2024 | -5.2% | $51.01 | $50.06 | -1.86% |
| ▲ Q3 FY2024 | Jul 25, 2024 | +50.3% | $50.31 | $52.32 | +4.00% |
Q2 FY2026-0.35%
Report Date
Apr 23, 2026
EPS Beat/Miss
+39.3%
Price Before
$92.44
Price After
$92.12
Q1 FY2026+7.08%
Report Date
Jan 29, 2026
EPS Beat/Miss
+417.5%
Price Before
$68.20
Price After
$73.03
Q4 FY2025+8.13%
Report Date
Oct 23, 2025
EPS Beat/Miss
+90.5%
Price Before
$60.54
Price After
$65.46
Q3 FY2025-4.98%
Report Date
Jul 24, 2025
EPS Beat/Miss
+69.7%
Price Before
$64.20
Price After
$61.00
Q2 FY2025+2.45%
Report Date
Apr 24, 2025
EPS Beat/Miss
+36.2%
Price Before
$47.74
Price After
$48.91
Q1 FY2025+0.09%
Report Date
Jan 30, 2025
EPS Beat/Miss
+24.2%
Price Before
$63.65
Price After
$63.71
Q4 FY2024-1.86%
Report Date
Oct 24, 2024
EPS Beat/Miss
-5.2%
Price Before
$51.01
Price After
$50.06
Q3 FY2024+4.00%
Report Date
Jul 25, 2024
EPS Beat/Miss
+50.3%
Price Before
$50.31
Price After
$52.32
Avg Beat Reaction+2.35%
Avg Miss Reaction-1.86%
Beat Rate7 / 8 quarters
Largest Move+8.13% (Q4 FY2025)
Data: FMP /historical-price-eod/full · field: close
About Earnings & Data Methodology
Data source: Financial Modeling Prep (FMP) | Updated: Hourly | Surprise%: (Actual − Estimate) / |Estimate| × 100 | Fiscal year: BFH ends December
Bread Financial Holdings, Inc. (BFH) most recently reported earnings on April 23, 2026 for Q2 FY2026, posting EPS of $4.18 — beating the analyst consensus of $3.00 by +39.3%. BFH has beaten EPS estimates for 6 consecutive quarters. The next BFH earnings date is expected around September 1, 2026.
Each quarter, investors track BFH earnings for signals on forward guidance and business momentum. For longer-term revenue trends, see the Revenue tab. BFH revenue tab →
Earnings Glossary
EPS (Earnings Per Share)
Net income ÷ diluted shares outstanding. The primary metric analysts use to gauge quarterly profitability.
Earnings Surprise %
(Actual − Estimate) / |Estimate| × 100. Positive = Beat. Negative = Miss.
Beat / Miss / In-Line
Beat = Actual ≥ Estimate. Miss = Actual < Estimate. In-Line = within ±1%.
BMO / AMC
Before Market Open / After Market Close. Two windows when companies typically release results.
Fiscal Quarter
BFH's fiscal year ends in December. Fiscal quarters may not align with calendar quarters.
Analyst Consensus
Average EPS/Revenue forecast across all covering analysts. More analysts = more reliable estimate.
Figures tie to FMP earnings calendar, estimates, and SEC 10-Q/10-K filings where noted.
Frequently asked questions
BFH earnings · 5 questionsBread Financial Holdings, Inc.'s next earnings report is expected around September 1, 2026. BFH typically reports quarterly — approximately every three months. The exact date is confirmed by the company 2–4 weeks before the release. Time is currently TBD; BFH historically reports after market close (AMC).
BFH earnings datewhen is BFH earningsBFH next earnings datewhen does BFH report earningsBFH earnings calendar
▸ Source: FMP · Bread Financial Holdings, Inc. SEC filings · US GAAP · Bread Financial Holdings, Inc. SEC 10-K & 10-Q filings · US GAAP · Updated: Jun 8, 2026