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NYSE:BFH

Bread Financial Q3 2026 Earnings Date & Estimates

Bread Financial logo
$102.86 +1.55 (+1.53%)
Closing price 03:59 PM Eastern
Extended Trading
$102.64 -0.22 (-0.21%)
As of 07:30 PM Eastern
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Bread Financial is estimated to report Q3 2026 earnings on Thursday, October 22, 2026, before market opens. The conference call is scheduled for 8:30 AM ET.

Research:ProfileEarnings HistoryForecast

Upcoming Earnings Announcement

Quarter
Q3 2026
Announcement Date
Time
Before Market Opens
Conference Call
8:30 AM ET
Google Calendar (opens in a new tab)Outlook (opens in a new tab)Yahoo Calendar (opens in a new tab)

What Analysts Expect from Bread Financial in Q3 2026

Bread Financial is expected to post earnings of $3.34 per share on revenue of $1.01 billion. In the same quarter a year earlier Bread Financial reported $4.02 per share on revenue of $1.24 billion. Bread Financial last reported on July 23, 2026, posting $3.55 per share and beating the $2.74 consensus estimate. Bread Financial has beaten the consensus EPS estimate in 7 of its last 8 quarters.

Consensus Estimates

Consensus EPS
$3.34
Expected Revenue
$1.01 billion
Prior-Year EPS
$4.02
Prior-Year Revenue
$1.24 billion
Expected EPS Growth
-16.9%
Expected Revenue Growth
-18.4%

Recent Track Record

Last Reported
Q2 2026
Last Quarter EPS
$3.55 (Beat by +$0.81)
Last Quarter Revenue
$993.00 million
EPS Beat Rate
7 of last 8 quarters

Prepare for the Q3 2026 Call

Bread Financial Q3 2026 Earnings FAQ

Bread Financial (NYSE:BFH) is estimated to report Q3 2026 earnings on Thursday, October 22, 2026, before market opens. This date is estimated from past reporting schedules and may change once the company confirms it.

Bread Financial's Q3 2026 earnings conference call is scheduled for Thursday, October 22, 2026 at 8:30 AM ET. MarketBeat streams the conference call audio and posts the transcript as soon as possible on the earnings announcement date.

Analysts expect Bread Financial to post earnings of $3.34 per share for Q3 2026.

The consensus revenue estimate for Bread Financial is $1.01 billion for Q3 2026.

Bread Financial Earnings Headlines

Bread Financial: Attractive At Current Levels
October 16 at 11:30 AM  |  seekingalpha.comhttps://seekingalpha.com/article/4954805-bread-financial-attractive-at-current-levels
Bread Financial (BFH) Set to Announce Earnings on Thursday
October 15 at 1:26 AM  |  americanbankingnews.comhttps://www.americanbankingnews.com/?p=31120469
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October 16 at 1:00 AM  |  Golden Portfolio (Ad)
Bread Financial Holdings Inc (BFH) Shares Fall 3.3% -- GF Value Says Still Overvalued
October 14 at 12:00 AM  |  gurufocus.comhttps://www.gurufocus.com/news/9124420/bread-financial-holdings-inc-bfh-shares-fall-33-gf-value-says-still-overvalued
BFH - Bread Financial Holdings, Inc.
October 14 at 1:41 PM  |  seekingalpha.comhttps://seekingalpha.com/symbol/BFH/balance-sheet
Bread Financial (NYSE:BFH) Downgraded by Wall Street Zen to Hold
October 10, 2026  |  americanbankingnews.comhttps://www.americanbankingnews.com/?p=31104167
See More Bread Financial Headlines
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About Bread Financial

Bread Financial (NYSE:BFH) Corporation (NYSE: BFH) is a financial services company that provides payment, lending and savings solutions to consumers and businesses. The company works with merchants and brands to offer private-label and co-branded credit cards, installment loans, buy now, pay later services and other financing options at the point of sale.

Its consumer products and services include Bread Pay payment solutions, credit card programs issued through its banking subsidiaries, and Bread Savings deposit products. Bread Financial also provides merchants with tools for customer acquisition, loyalty programs, digital payments and data-driven marketing intended to support customer engagement and repeat purchases.

The company was founded as Alliance Data Systems in 1996 and adopted the Bread Financial name in 2022 as part of a broader effort to align its corporate identity with its consumer-facing financial services businesses. Headquartered in Columbus, Ohio, Bread Financial primarily serves consumers and merchant partners in the United States. Ralph Andre serves as the company's president and chief executive officer.

View Bread Financial Profile
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