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Bread Financial Holdings BFH Q2 2025 earnings

Reported July 24, 2025 · Before market open

Revenue$926.0MMiss by $47.9M
EPS$3.14Beat by $1.29
Revenue estimate$973.9M
EPS estimate$1.85

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$1.0B
EPS estimate$3.36

Financials

Q2 2025

Income statement

See full
Revenue$929.0M-1.1%
Net income$139.0M+4.5%
EPS (diluted)$2.94+10.5%

Balance sheet

See full
Cash & equivalents$3.8B-6.2%
Total debt$4.2B—
Total equity$3.2B-0.1%
Total assets$21.8B-1.5%

Cash flow

See full
Operating cash flow$526.0M+10.3%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$2.6B+17.5%
Enterprise value$3.01B—
P/E9.1×+4.5×
P/S0.7×+0.1×

Profitability

See full
Net margin7.5%-4.6pp

Returns & leverage

See full
Return on equity9%-7.3pp
Debt / equity1.3×—

Versus estimates

Revenue

Q2 2026$993.0MBeat by $33.7MQ1 2026$1.0BBeat by $24.4MQ4 2025$975.0MBeat by $21.7MQ3 2025$971.0MBeat by $2.9M
Q2 2025$926.0MMiss by $47.9M
Q1 2025$970.0MBeat by $16.5M

Diluted EPS

Q2 2026$3.55Beat by $0.81Q1 2026$4.18Beat by $1.18Q4 2025$2.07Beat by $1.67Q3 2025$4.02Beat by $1.91
Q2 2025$3.14Beat by $1.29
Q1 2025$2.86Beat by $0.76

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Questions, answered.

When did Bread Financial Holdings report Q2 2025 earnings?
Bread Financial Holdings (BFH) reported Q2 2025 earnings on July 24, 2025 before market open.
What were Bread Financial Holdings's Q2 2025 revenue and EPS?
Bread Financial Holdings reported revenue of $926.0M and eps of $3.14 for Q2 2025.
Did Bread Financial Holdings beat estimates in Q2 2025?
Revenue missed the consensus estimate of $973.9M by $47.9M. EPS beat the consensus estimate of $1.85 by $1.29.
How did Bread Financial Holdings's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 1.4% from $939.0M a year earlier and eps grew 18.0% from $2.66.
Where can I find Bread Financial Holdings's Q2 2025 SEC filings?
You can read the 10-Q periodic report (0001101215-25-000135) directly on SEC EDGAR. The filing index links above go to sec.gov.