BFH · Bread Financial Holdings, Inc.
$109.80
-2.54 (-2.26%)
At close · Aug 6
Market Cap
$4.22B
Shares
38.42M
Bread Financial Holdings, Inc. Earnings Call Transcripts
Every quarterly earnings call for Bread Financial Holdings, Inc. (BFH) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▼10.9%
$979.00M
$134.00M
'22 Q3
22-10-27
▲1270%
$1.03B
−$133.00M
'22 Q4
23-01-26
▲40%
$1.29B
$455.00M
'23 Q1
23-04-27
▲6.6%
$952.00M
$48.00M
'23 Q2
23-07-27
▲5.3%
$1.03B
$171.00M
'23 Q3
23-10-26
▼1.5%
$1.02B
$44.00M
'23 Q4
24-01-25
▼23.1%
$991.00M
$134.00M
'24 Q1
24-04-25
▼1.4%
$939.00M
$133.00M
'24 Q2
24-07-25
▼4.7%
$983.00M
$2.00M
'24 Q3
24-10-24
▼9%
$925.00M
$8.00M
'24 Q4
25-01-30
▼2.1%
$970.00M
$138.00M
'25 Q1
25-04-24
▼1.1%
$929.00M
$139.00M
'25 Q2
25-07-24
▼1.2%
$971.00M
$188.00M
'25 Q3
25-10-23
▲5.4%
$975.00M
$53.00M
'25 Q4
26-01-29
▲4.9%
$1.02B
$181.00M
'26 Q1
26-04-23
LATEST
▲6.9%
$993.00M
$146.00M
'26 Q2
26-07-23
Earnings call
FY26 · Q2
2026-07-23
Q2 2026 Bread Financial Earnings Conference 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
Morgan Stanley US Financials Conference
No reported result — non-financial event
Audio
Transcript
Slides
Earnings call
FY26 · Q1
2026-04-23
Bread Financial Holdings, Inc. Q1 FY2026 Earnings Call
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. Q4 FY2025 Earnings Call
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. Q3 FY2025 Earnings Call
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. Q2 FY2025 Earnings Call
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. Q1 FY2025 Earnings Call
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. Q4 FY2024 Earnings Call
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. Q3 FY2024 Earnings Call
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. Q2 FY2024 Earnings Call
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. Q1 FY2024 Earnings Call
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. Q4 FY2023 Earnings Call
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. Q3 FY2023 Earnings Call
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. Q2 FY2023 Earnings Call
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. Q1 FY2023 Earnings Call
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. Q4 FY2022 Earnings Call
Revenue
$1.03B*
▲ 1270% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-10-27
Bread Financial Holdings, Inc. Q3 FY2022 Earnings Call
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. Q2 FY2022 Earnings Call
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. Q1 FY2022 Earnings Call
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. Q4 FY2021 Earnings Call
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. Q3 FY2021 Earnings Call
Revenue
$1.10B
▲ 4.6% YoY Diluted EPS
$4.47
▲ 100.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-07-29
Bread Financial Holdings, Inc. Q2 FY2021 Earnings Call
Revenue
$1.01B
▲ 3.4% YoY Diluted EPS
$5.47
▲ 746.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-04-29
Bread Financial Holdings, Inc. Q1 FY2021 Earnings Call
Revenue
$1.08B
▼ 21.5% YoY Diluted EPS
$5.74
▲ 1041.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2021-01-28
Bread Financial Holdings, Inc. Q4 FY2020 Earnings Call
Revenue
$1.11B
▼ 24% YoY Diluted EPS
$0.20
▼ 87.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-10-29
Bread Financial Holdings, Inc. Q3 FY2020 Earnings Call
Revenue
$1.05B
▼ 26.9% YoY Diluted EPS
$2.23
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-07-23
Bread Financial Holdings, Inc. Q2 FY2020 Earnings Call
Revenue
$979.30M
▼ 27.4% YoY Diluted EPS
$0.65
▼ 69.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q1
2020-04-23
Bread Financial Holdings, Inc. Q1 FY2020 Earnings Call
Revenue
$1.38B
▲ 3.6% YoY Diluted EPS
$0.50
▼ 77.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY19 · Q4
2020-01-30
Bread Financial Holdings, Inc. Q4 FY2019 Earnings Call
Revenue
$1.46B
▼ 0.2% YoY Diluted EPS
$1.64
▼ 61% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Showing 1–28 of 28 earnings calls
Key facts
CIK
1101215
CUSIP
018581108
13F (30d)
143 filings
128 filers
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