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Bread Financial Holdings BFH Q4 2025 Annual earnings

Reported January 29, 2026 · Before market open

Revenue$975.0MBeat by $21.7M
EPS$2.07Beat by $1.67
Revenue estimate$953.3M
EPS estimate$0.40

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$975.0M+5.4%
Net income$54.0M+671%
EPS (diluted)$1.24+933%

Balance sheet

See full
Cash & equivalents$3.6B-2.3%
Total debt$85.0M-98.5%
Total equity$3.3B+9.0%
Total assets$22.7B-1.0%

Cash flow

See full
Operating cash flow$568.0M+18.6%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$3.38B+11.2%
Enterprise value-$167.23M-103%
P/E6.5×-4.5×
P/S0.9×+0.1×

Profitability

See full
Net margin13.5%+6.3pp

Returns & leverage

See full
Return on equity16.3%+7.0pp
Debt / equity0×-1.8×

Versus estimates

Revenue

Q2 2026$993.0MBeat by $33.7MQ1 2026$1.0BBeat by $24.4M
Q4 2025$975.0MBeat by $21.7M
Q3 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 $0.81Q1 2026$4.18Beat by $1.18
Q4 2025$2.07Beat by $1.67
Q3 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 Q4 2025 earnings?
Bread Financial Holdings (BFH) reported Q4 2025 earnings on January 29, 2026 before market open.
What were Bread Financial Holdings's Q4 2025 revenue and EPS?
Bread Financial Holdings reported revenue of $975.0M and eps of $2.07 for Q4 2025.
Did Bread Financial Holdings beat estimates in Q4 2025?
Revenue beat the consensus estimate of $953.3M by $21.7M. EPS beat the consensus estimate of $0.40 by $1.67.
How did Bread Financial Holdings's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 5.4% from $925.0M a year earlier and eps grew 404.9% from $0.41.
Where can I find Bread Financial Holdings's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001101215-26-000007) and the 10-K periodic report (0001101215-26-000016) directly on SEC EDGAR. The filing index links above go to sec.gov.