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Bread Financial Holdings BFH Q3 2026 earnings

Reported October 22, 2026 · Before market open

Revenue$1.0BBeat by $2.2M
EPS$3.84Beat by $0.50
Revenue estimate$1.0B
EPS estimate$3.34

Next report

Jan 28, 2027 (in 3 months)
Revenue estimate$996.4M
EPS estimate$1.49

Financials

Q3 2026

Income statement

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Revenue$1.0B+4.7%
Net income$156.0M-17.0%
EPS (diluted)$3.82-3.5%

Balance sheet

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Cash & equivalents$4.0B+4.8%
Total equity$3.4B+3.6%
Total assets$23.3B+7.3%

Cash flow

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Operating cash flow$601.0M-0.7%

Valuation & ratios

Valuation

as of 10/30/26
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Market cap$4.01B+42.1%
P/E7.5×+1.5×
P/S1×+0.3×

Profitability

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Net margin13.4%+1.0pp

Returns & leverage

See full
Return on equity15.9%+1.2pp

FAQ

When did Bread Financial Holdings report Q3 2026 earnings?
Bread Financial Holdings (BFH) reported Q3 2026 earnings on October 22, 2026 before market open.
What were Bread Financial Holdings's Q3 2026 revenue and EPS?
Bread Financial Holdings reported revenue of $1.0B and eps of $3.84 for Q3 2026.
Did Bread Financial Holdings beat estimates in Q3 2026?
Revenue beat the consensus estimate of $1.0B by $2.2M. EPS beat the consensus estimate of $3.34 by $0.50.
How did Bread Financial Holdings's Q3 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 4.7% from $971.0M a year earlier and eps declined 4.5% from $4.02.
Where can I find Bread Financial Holdings's Q3 2026 SEC filings?
You can read the 8-K earnings release (0001101215-26-000087) and the 10-Q periodic report (0001101215-26-000092) directly on SEC EDGAR. The filing index links above go to sec.gov.