BFH
Bread Financial Holdings, Inc.
NYSE: BFH · FINANCIAL SERVICES · CREDIT SERVICES
$85.42
-1.04% today
Updated 2026-04-29
Market cap
$3.45B
P/E ratio
6.97
P/S ratio
1.31x
EPS (TTM)
$12.25
Dividend yield
1.02%
52W range
$47 – $99
Volume
0.7M
Bread Financial Holdings, Inc. (BFH) Earnings
Quarterly earnings history, analyst estimates, and stock price reaction.
EPS beat streak
7 of 8
Last 8 quarters
Avg EPS surprise
+97.3%
Last 4 quarters
Revenue YoY growth
+1.3%
Most recent quarter
EPS YoY growth
+44.1%
Most recent quarter
Earnings surprise history (last 12 quarters)
Beat estimate Missed estimate
Quarterly EPS and revenue trend
Quarterly revenue EPS (diluted)
How the stock reacts to earnings
Avg 1-day reaction
+0.1%
Last 3 reports
Positive reaction rate
67%
2 of 3 quarters
Largest single-day move
-6.8%
2026-04-23
| Report date | EPS actual | Surprise | Close before | Close after | 1-day reaction |
|---|---|---|---|---|---|
| 2026-04-23 | $4.18 | +44.6% | $92.44 | $86.16 | -6.8% |
| 2026-01-29 | $2.07 | +491.4% | $68.20 | $72.54 | +6.4% |
| 2025-10-30 | $4.02 | +82.7% | $62.21 | $62.65 | +0.7% |
Quarterly earnings history
| Fiscal quarter ending | EPS estimate | EPS actual | Surprise | Revenue | YoY revenue |
|---|---|---|---|---|---|
| 2026-03-31 | $2.89 | $4.18 | +44.6% | $1.21B | +1.3% |
| 2025-12-31 | $0.35 | $2.07 | +491.4% | $1.17B | +1.6% |
| 2025-09-30 | $2.20 | $4.02 | +82.7% | $1.18B | -3.4% |
| 2025-06-30 | $1.94 | $3.14 | +61.9% | $1.15B | -2.6% |
| 2025-03-31 | $2.23 | $2.90 | +30.0% | $1.20B | -3.6% |
| 2024-12-31 | $0.32 | $0.41 | +28.1% | $1.16B | -7.9% |
| 2024-09-30 | $1.95 | $1.84 | -5.6% | $1.22B | -2.2% |
| 2024-06-30 | $1.77 | $2.66 | +50.3% | $1.18B | — |
| 2024-03-31 | $3.02 | $2.70 | -10.6% | $1.24B | — |
| 2023-12-31 | $-0.88 | $0.90 | +202.3% | $1.25B | — |
| 2023-09-30 | $2.32 | $3.46 | +49.1% | $1.25B | — |
Frequently asked questions
Has Bread Financial Holdings, Inc. beaten earnings estimates?
Bread Financial Holdings, Inc. has beaten Wall Street EPS estimates in 7 of its last 8 quarterly reports, with an average EPS surprise of +97.3% over the last 4 quarters.
How does BFH stock react to earnings?
BFH stock has moved an average of +0.1% in the trading day following earnings over its last 3 reports, with positive reactions in 67% of those quarters.
What is Bread Financial Holdings, Inc.'s revenue growth rate?
Bread Financial Holdings, Inc. reported year-over-year revenue growth of +1.3% in its most recent quarter, with EPS growing +44.1% year-over-year.