Bread Financial (BFH) Projected to Post Quarterly Earnings on Thursday

Key Points

• Bread Financial (BFH) is set to release its Q3 2025 earnings on Thursday, October 23rd, with analysts predicting earnings of $2.25 per share and revenue of $974.3 million.
• The company reported a net margin of 6.05% and a return on equity of 13.10% in the previous quarter, showing resilience despite a slight revenue drop year-over-year.
• Bread Financial's recent quarterly dividend was $0.21 per share, contributing to an annualized yield of 1.4% and reflecting a payout ratio of 14.21%.

Bread Financial (NYSE:BFH - Get Free Report) will likely be releasing its Q3 2025 results before the market opens on Thursday, October 23rd. Analysts expect the company to post earnings of $2.25 per share and revenue of $974.3030 million for the quarter. Bread Financial has set its FY 2025 guidance at EPS.Investors can find conference call details on the company's upcoming Q3 2025 earningreport page for the latest details on the call scheduled for Thursday, October 23, 2025 at 8:30 AM ET.

Bread Financial (NYSE:BFH - Get Free Report) last released its quarterly earnings results on Thursday, July 24th. The company reported $3.14 EPS for the quarter, beating the consensus estimate of $1.85 by $1.29. Bread Financial had a net margin of 6.05% and a return on equity of 13.10%. The firm had revenue of $929.00 million during the quarter, compared to analyst estimates of $944.69 million. During the same quarter in the prior year, the firm earned $2.66 EPS. The business's revenue for the quarter was down 1.1% compared to the same quarter last year. On average, analysts expect Bread Financial to post $6 EPS for the current fiscal year and $9 EPS for the next fiscal year.

Bread Financial Price Performance

NYSE BFH opened at $59.87 on Thursday. The company has a 50-day moving average price of $60.92 and a 200-day moving average price of $55.93. Bread Financial has a 52 week low of $38.21 and a 52 week high of $68.01. The company has a quick ratio of 1.18, a current ratio of 1.18 and a debt-to-equity ratio of 0.36. The firm has a market capitalization of $2.79 billion, a P/E ratio of 10.13, a PEG ratio of 0.54 and a beta of 1.41.

Bread Financial Dividend Announcement

The firm also recently disclosed a quarterly dividend, which was paid on Friday, September 12th. Stockholders of record on Friday, August 8th were given a dividend of $0.21 per share. The ex-dividend date of this dividend was Friday, August 8th. This represents a $0.84 dividend on an annualized basis and a dividend yield of 1.4%. Bread Financial's payout ratio is presently 14.21%.

Bread Financial announced that its Board of Directors has initiated a share repurchase plan on Wednesday, August 27th that allows the company to buyback $0.00 in shares. This buyback authorization allows the company to reacquire shares of its stock through open market purchases. Shares buyback plans are generally an indication that the company's board of directors believes its stock is undervalued.

Analyst Upgrades and Downgrades

Several equities analysts recently weighed in on the company. BTIG Research set a $105.00 target price on Bread Financial and gave the company a "buy" rating in a research report on Monday, July 14th. Weiss Ratings restated a "hold (c+)" rating on shares of Bread Financial in a research report on Wednesday, October 8th. Evercore ISI lowered their price objective on Bread Financial from $68.00 to $64.00 and set an "in-line" rating on the stock in a research report on Tuesday, September 30th. Wall Street Zen downgraded Bread Financial from a "strong-buy" rating to a "buy" rating in a research note on Saturday, August 9th. Finally, Royal Bank Of Canada raised their target price on shares of Bread Financial from $65.00 to $74.00 and gave the stock a "sector perform" rating in a research note on Friday, July 25th. Three equities research analysts have rated the stock with a Buy rating, six have given a Hold rating and three have issued a Sell rating to the stock. According to MarketBeat, the company currently has a consensus rating of "Hold" and a consensus price target of $66.20.

Insider Buying and Selling at Bread Financial

In related news, Director John J. Fawcett bought 1,027 shares of the business's stock in a transaction that occurred on Wednesday, July 30th. The stock was bought at an average cost of $61.79 per share, with a total value of $63,458.33. Following the completion of the purchase, the director owned 10,302 shares of the company's stock, valued at approximately $636,560.58. The trade was a 11.07% increase in their position. The acquisition was disclosed in a document filed with the SEC, which is available through this hyperlink. Corporate insiders own 0.85% of the company's stock.

Institutional Inflows and Outflows

A number of institutional investors have recently made changes to their positions in BFH. Public Sector Pension Investment Board lifted its position in shares of Bread Financial by 0.7% in the second quarter. Public Sector Pension Investment Board now owns 186,284 shares of the company's stock worth $10,641,000 after buying an additional 1,294 shares in the last quarter. Headlands Technologies LLC purchased a new position in Bread Financial during the 2nd quarter valued at approximately $184,000. Tower Research Capital LLC TRC increased its stake in Bread Financial by 373.9% in the 2nd quarter. Tower Research Capital LLC TRC now owns 6,554 shares of the company's stock worth $374,000 after acquiring an additional 5,171 shares during the last quarter. Corient Private Wealth LLC purchased a new stake in shares of Bread Financial during the 2nd quarter worth approximately $220,000. Finally, Oxford Asset Management LLP boosted its position in shares of Bread Financial by 96.3% during the 2nd quarter. Oxford Asset Management LLP now owns 9,831 shares of the company's stock valued at $562,000 after acquiring an additional 4,823 shares during the last quarter. Hedge funds and other institutional investors own 99.52% of the company's stock.

Bread Financial Company Profile

Bread Financial Holdings, Inc provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, account origination, and funding services for private label and co-brand credit card programs, as well as through Bread partnerships; and Comenity-branded general purpose cash-back credit.

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