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Bread Financial Holdings BFH Q3 2025 earnings

Reported October 23, 2025 · Before market open

Revenue$971.0MBeat by $2.9M
EPS$4.02Beat by $1.91
Revenue estimate$968.1M
EPS estimate$2.11

Next report

Oct 22, 2026 (in a month)
Revenue estimate$1.0B
EPS estimate$3.42

Financials

Q3 2025

Income statement

See full
Revenue$971.0M-1.2%
Net income$188.0M+9,300%
EPS (diluted)$3.96+7,820%

Balance sheet

See full
Cash & equivalents$3.8B+8.9%
Total debt$3.8B-17.4%
Total equity$3.3B+6.6%
Total assets$21.7B-0.1%

Cash flow

See full
Operating cash flow$605.0M+32.7%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$2.6B+10.1%
Enterprise value$2.61B-24.9%
P/E5.5×-2.1×
P/S0.7×+0.1×

Profitability

See full
Net margin12.4%+4.5pp

Returns & leverage

See full
Return on equity14.7%+4.2pp
Debt / equity1.1×-0.3×

FAQ

When did Bread Financial Holdings report Q3 2025 earnings?
Bread Financial Holdings (BFH) reported Q3 2025 earnings on October 23, 2025 before market open.
What were Bread Financial Holdings's Q3 2025 revenue and EPS?
Bread Financial Holdings reported revenue of $971.0M and eps of $4.02 for Q3 2025.
Did Bread Financial Holdings beat estimates in Q3 2025?
Revenue beat the consensus estimate of $968.1M by $2.9M. EPS beat the consensus estimate of $2.11 by $1.91.
How did Bread Financial Holdings's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 1.2% from $983.0M a year earlier and eps grew 118.5% from $1.84.
Where can I find Bread Financial Holdings's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001101215-25-000169) and the 10-Q periodic report (0001101215-25-000173) directly on SEC EDGAR. The filing index links above go to sec.gov.