BFH · Bread Financial Holdings, Inc. · Webcasts, Transcripts & Audio
$102.57
-2.26 (-2.16%)
At close · Nov 5
Return incl. dividend (before tax)
Play latest call
Q3 2026 earnings call transcript
Market Cap
$3.98B
Shares
37.96M
Volume · Nov 5
692.49K
Avg daily vol (3M)
540.53K
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Bread Financial Holdings, Inc. Webcasts
Earnings calls, investor updates, investor days and conferences for Bread Financial Holdings, Inc. (BFH), with available transcripts, audio replays and slides. Earnings calls also include available highlights, earnings releases and periodic filings.
Pull transcripts and briefs through the earnings call transcript API or MCP →
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Earnings call
FY26 · Q3
2026-10-22
Bread Financial Holdings, Inc. (BFH) Q3 2026 Earnings Call Transcript
Confident tone
Loan and credit sales growth
Margins and partner economics
Funding and bank consolidation
Revenue
$1.02B
▲ 4.7% YoY Diluted EPS
$3.82
▼ 3.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Conference
Investor event
2026-09-15
Bread Financial Holdings, Inc. (BFH) September 15, 2026 Conference Transcript
No reported result — non-financial event
Audio
Transcript
Slides
Earnings call
FY26 · Q2
2026-07-23
Bread Financial Holdings, Inc. (BFH) Q2 2026 Earnings Call
Confident tone
Credit performance
Partner and vertical expansion
Loan growth and portfolio
Revenue
$993.00M
▲ 6.9% YoY Diluted EPS
$3.55
▲ 20.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Conference
Investor event
2026-06-10
Bread Financial Holdings, Inc. (BFH) June 10, 2026 Conference Transcript
No reported result — non-financial event
Audio
Transcript
Slides
Earnings call
FY26 · Q1
2026-04-23
Bread Financial Holdings, Inc. (BFH) Q1 2026 Earnings Call Transcript
Positive tone
Credit sales and loan growth
Pricing changes and net interest margin
Credit quality and net loss rates
Revenue
$1.02B
▲ 4.9% YoY Diluted EPS
$4.15
▲ 49.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2026-01-29
Bread Financial Holdings, Inc. (BFH) Q4 2025 Earnings Call Transcript
Confident tone
Credit Performance Improvement
Consumer Spending Trends
Direct-to-Consumer Deposits and Funding
Revenue
$975.00M*
▲ 5.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-10-23
Bread Financial Holdings, Inc. (BFH) Q3 2025 Earnings Call Transcript
Positive tone
Consumer Health and Spending
Capital Return
Credit Quality and Net Loss Rate
Revenue
$971.00M
▼ 1.2% YoY Diluted EPS
$3.96
▲ 7820% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-07-24
Bread Financial Holdings, Inc. (BFH) Q2 2025 Earnings Call Transcript
Confident tone
Capital allocation and balance sheet optimization
Credit quality and net loss rate
Revenue and net interest income trends
Revenue
$929.00M
▼ 1.1% YoY Diluted EPS
$2.94
▲ 10.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-04-24
Bread Financial Holdings, Inc. (BFH) Q1 2025 Earnings Call Transcript
Positive tone
Macroeconomic and tariff risk
Funding and net interest margin
New partner wins and pipeline
Revenue
$970.00M
▼ 2.1% YoY Diluted EPS
$2.78
▲ 3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-01-30
Bread Financial Holdings, Inc. (BFH) Q4 2024 Earnings Call Transcript
Positive tone
CFPB late fee rule mitigation
Operational excellence and efficiency
Credit performance and risk management
Revenue
$925.00M*
▼ 9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-10-24
Bread Financial Holdings, Inc. (BFH) Q3 2024 Earnings Call Transcript
Positive tone
Consumer and credit trends
Capital and balance sheet strength
CFPB late fee rule mitigation
Revenue
$983.00M
▼ 4.7% YoY Diluted EPS
$0.05
▼ 98.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-07-25
Bread Financial Holdings, Inc. (BFH) Q2 2024 Earnings Call Transcript
Positive tone
Credit performance and reserve rate
Consumer spending trends
Saks Fifth Avenue partnership
Revenue
$939.00M
▼ 1.4% YoY Diluted EPS
$2.66
▲ 180% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-04-25
Bread Financial Holdings, Inc. (BFH) Q1 2024 Earnings Call Transcript
Balanced tone
CFPB late fee rule impact and mitigation
Credit quality and consumer environment
Loan and sales growth outlook
Revenue
$991.00M
▼ 23.1% YoY Diluted EPS
$2.70
▼ 70.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-01-25
Bread Financial Holdings, Inc. (BFH) Q4 2023 Earnings Call Transcript
Positive tone
CFPB late fee regulation
Credit risk management
Balance sheet and debt reduction
Revenue
$1.02B*
▼ 1.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-10-26
Bread Financial Holdings, Inc. (BFH) Q3 2023 Earnings Call Transcript
Revenue
$1.03B
▲ 5.3% YoY Diluted EPS
$3.42
▲ 27.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-07-27
Bread Financial Holdings, Inc. (BFH) Q2 2023 Earnings Call Transcript
Revenue
$952.00M
▲ 6.6% YoY Diluted EPS
$0.95
▲ 280% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-04-27
Bread Financial Holdings, Inc. (BFH) Q1 2023 Earnings Call Transcript
Revenue
$1.29B
▲ 40% YoY Diluted EPS
$9.08
▲ 116.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-01-26
Bread Financial Holdings, Inc. (BFH) Q4 2022 Earnings Call Transcript
Revenue
$1.03B*
▲ 1270% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-10-27
Bread Financial Holdings, Inc. (BFH) Q3 2022 Earnings Call Transcript
Revenue
$979.00M
▼ 10.9% YoY Diluted EPS
$2.69
▼ 39.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-07-28
Bread Financial Holdings, Inc. (BFH) Q2 2022 Earnings Call Transcript
Revenue
$893.00M
▼ 11.8% YoY Diluted EPS
$0.25
▼ 95.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-04-28
Bread Financial Holdings, Inc. (BFH) Q1 2022 Earnings Call Transcript
Revenue
$921.00M
▼ 15.1% YoY Diluted EPS
$4.20
▼ 26.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-01-27
Bread Financial Holdings, Inc. (BFH) Q4 2021 Earnings Call Transcript
Revenue
$75.40M*
▼ 93.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-10-28
Bread Financial Holdings, Inc. (BFH) Q3 2021 Earnings Call Transcript
Revenue
$1.10B
▲ 4.6% YoY Diluted EPS
$4.47
▲ 60.2% YoY Gross margin
55.5%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-07-29
Bread Financial Holdings, Inc. (BFH) Q2 2021 Earnings Call Transcript
Revenue
$1.01B
▲ 3.4% YoY Diluted EPS
$5.47
▲ 575.3% YoY Gross margin
51.2%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-04-29
Bread Financial Holdings, Inc. (BFH) Q1 2021 Earnings Call Transcript
Revenue
$1.08B
▼ 21.5% YoY Diluted EPS
$5.74
▲ 811.1% YoY Gross margin
54.1%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2021-01-28
Bread Financial Holdings, Inc. (BFH) Q4 2020 Earnings Call Transcript
Revenue
$1.11B
▼ 24% YoY Diluted EPS
$0.25
▼ 87.8% YoY Gross margin
45.7%
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-10-29
Bread Financial Holdings, Inc. (BFH) Q3 2020 Earnings Call Transcript
Revenue
$1.05B
▼ 26.9% YoY Diluted EPS
$2.79
Gross margin
54.1%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-07-23
Bread Financial Holdings, Inc. (BFH) Q2 2020 Earnings Call Transcript
Revenue
$979.30M
▼ 27.4% YoY Diluted EPS
$0.81
▼ 69.3% YoY Gross margin
49.7%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q1
2020-04-23
Bread Financial Holdings, Inc. (BFH) Q1 2020 Earnings Call Transcript
Revenue
$1.38B
▲ 3.6% YoY Diluted EPS
$0.63
▼ 77.5% YoY Gross margin
63.9%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY19 · Q4
2020-01-30
Bread Financial Holdings, Inc. (BFH) Q4 2019 Earnings Call
Revenue
$1.46B
▼ 0.2% YoY Diluted EPS
$2.05
▼ 61% YoY Gross margin
51.7%
Rev · 8q
Audio
Transcript
Slides
8-K10-K
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Key facts
CIK
1101215
CUSIP
018581108
13F (30d)
169 filings
152 filers
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