BFH $102.57 -2.16%

BFH · Bread Financial Holdings, Inc.

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$102.57 -2.26 (-2.16%) At close · Nov 5 Play latest call Q3 2026 earnings call transcript

S&P 600 member Russell 2000 member Rebalance outlook locked

Market Cap

$3.98B

37.96M

Volume · Nov 5 692.49K Avg daily vol (3M) 540.53K

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Earnings call · FY2026 Q2

Bread Financial Holdings, Inc. (BFH) Q2 2026 Earnings Call

Concluded Jul 23, 2026 Audio replay

Jul 23, 2026 50:44

Period: FY2026 Q2
Runtime: 50:44
Sources: 4 artifacts

Revenue $993.00M +6.9% YoY

Diluted EPS $3.55 +20.7% YoY

Net income $146.00M +5% YoY

Open full screen Slides 19 8-K 10-Q

Executive readout · one minute

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Credit performance 37 Partner and vertical expansion 31 Loan growth and portfolio 30 Net interest margin and pricing 12 AI and technology investments 7 Macroeconomic environment 7

Management tone

Confident

Net tone +55 · moderate hedging

Grounding quotes

“These results demonstrate the strength of our business model and the benefits of our continued emphasis on responsible growth and operational excellence, positioning Bread Financial for sustained, positive, long-term performance.”
“We saw improvement in both our net loss rate and delinquency rate, reflecting the benefits of proactive credit risk management, disciplined underwriting, and the quality of our customer base.”
“We will remain appropriately cautious given the broader macroeconomic environment.”
“Our success is a result of the efforts of our associates and leadership team. As we transformed Bread Financial over the past six years, we focused on building a resilient business through strengthening our balance sheet, investing in areas that drive responsible, profitable growth, and efficiencies.”

Forward guidance

2 guided metrics

Management's latest ranges and targets are included below.

Research coverage

4 live sources

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Research materials

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Presentation 19 pages 8-K earnings release Filed Jul 23, 2026 10-Q report Filed Jul 28, 2026 Company webcastOpen the original investor-relations page

Forward guidance

From the 8-K filed Jul 23, 2026.

Metric	Period	Guided	Basis
Net loss rate 2026 net loss rate	2026 net loss rate	7% – 7.1%	—
Full year normalized effective tax rate Maintained full year 2026	full year 2026	25% – 27%	Non-GAAP

Quarter detail

How the reported period landed and where the business moved.

Capital returned

Buybacks · derived: $243.00M
Shares repurchased: 2.80M
Dividend / share: $0.23

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50:44 Audio

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