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Bread Financial Holdings BFH Q2 2026 earnings

Reported July 23, 2026 · Before market open

Revenue$993.0MBeat by $33.7M
EPS$3.55Beat by $0.81
Revenue estimate$959.3M
EPS estimate$2.74

Next report

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

Financials

Q2 2026

Income statement

See full
Revenue$993.0M+6.9%
Net income$146.0M+5.0%
EPS (diluted)$3.55+20.7%

Balance sheet

See full
Cash & equivalents$3.8B-1.5%
Total equity$3.4B+6.3%
Total assets$22.5B+2.9%

Cash flow

See full
Operating cash flow$533.0M+1.3%

Valuation & ratios

Valuation

as of 07/29/26
See full
Market cap$4.36B+48.9%
P/E7.7×-2.6×
P/S1.1×+0.3×

Profitability

See full
Net margin14.4%+6.9pp

Returns & leverage

See full
Return on equity17.4%+8.4pp

Versus estimates

Revenue

Q2 2026$993.0MBeat by $33.7M
Q1 2026$1.0BBeat by $24.4MQ4 2025$975.0MBeat by $21.7MQ3 2025$971.0MBeat by $2.9MQ2 2025$926.0MMiss by $47.9MQ1 2025$970.0MBeat by $16.5M

Diluted EPS

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

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Questions, answered.

When did Bread Financial Holdings report Q2 2026 earnings?
Bread Financial Holdings (BFH) reported Q2 2026 earnings on July 23, 2026 before market open.
What were Bread Financial Holdings's Q2 2026 revenue and EPS?
Bread Financial Holdings reported revenue of $993.0M and eps of $3.55 for Q2 2026.
Did Bread Financial Holdings beat estimates in Q2 2026?
Revenue beat the consensus estimate of $959.3M by $33.7M. EPS beat the consensus estimate of $2.74 by $0.81.
How did Bread Financial Holdings's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 7.2% from $926.0M a year earlier and eps grew 13.1% from $3.14.
Where can I find Bread Financial Holdings's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001101215-26-000068) and the 10-Q periodic report (0001101215-26-000074) directly on SEC EDGAR. The filing index links above go to sec.gov.