Bread Financial (BFH) Earnings Date, Estimates & Call Transcripts $63.84 +0.99 (+1.58%) Closing price 03:59 PM EasternExtended Trading$63.87 +0.03 (+0.05%) As of 07:00 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Earnings Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock Bread Financial Earnings Summary Bread Financial posted Q2 2025 earnings on July 24, 2025, reporting an EPS of $3.14, which topped analysts' consensus estimates of $1.85 by $1.29. Quarterly revenue fell 1.1% year-over-year to $929 million, below analyst estimates of $944.69 million. With a trailing EPS of $5.91 and a P/E Ratio of 10.80, Bread Financial's earnings are expected to grow 37.52% next year, from $6.45 to $8.87 per share. Upcoming Q3 Earnings DateOct. 23Before Market OpensEstimatedConsensus EPS (Jul. 24) $1.85 Actual EPS (Jul. 24) $3.14 Beat By $1.29 Actual Revenue (Jul. 24) $929.00MQ2 2025 Earnings ResourcesQ2 2025 Earnings ReportConference Call Transcript & Audio Press Release (8-K) Slide Deck Quarterly Report (10-Q)BFH Upcoming EarningsBread Financial's next earnings date is estimated for Thursday, October 23, 2025, based on past reporting schedules. Slide DeckFull Screen Slide DeckPowered by Get Bread Financial Earnings Alerts Want to stay updated on the latest earnings announcements and upcoming reports? Sign up for Earnings360's daily newsletter to receive timely earnings updates on Bread Financial and other key companies, straight to your inbox. Sign Up View SMS TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. Skip Charts & View Estimated and Actual Earnings DataBFH Earnings Estimates and Actuals by QuarterEarnings Estimates and Acutals by Quarter Chart DescriptionThe chart below shows up to four years of a company's earnings history. The dark blue line represents the company's actual earnings per share. The light blue area represents the range of Wall Street analysts' earnings estimates for each quarter.BFH Estimated and Actual Revenue by QuarterEstimated Revenue and Actual Revenue by Quarter Chart DescriptionThe chart below shows up to four years of a company's revenue history. The dark blue line represents the company's actual revenue. The light blue line represents the company's estimated revenue based on the consensus of Wall Street analysts for each quarter. Bread Financial Analyst EPS EstimatesQuarterNumber of EstimatesLow EstimateHigh EstimateAverage EstimateRevenue EstimateCompany Revenue GuidanceQ1 20252$1.60$2.33$1.97Q2 20252$1.47$1.63$1.55Q3 20252$1.73$1.87$1.80Q4 20252-$0.06$0.15$0.05 FY 2025 8 $4.74 $5.98 $5.36 Q1 20261$2.67$2.67$2.67Q2 20261$2.34$2.34$2.34Q3 20261$1.82$1.82$1.82Q4 20261$1.83$1.83$1.83 FY 2026 4 $8.66 $8.66 $8.66 Q1 20271$2.19$2.19$2.19Q2 20271$2.54$2.54$2.54 Bread Financial Earnings History by Quarter Custom Range 3 Months 6 Months Year-to-Date 1 Year 2 Years 3 Years 5 Years 10 Years Time Frame Start Date End Date Export to Excel DateQuarterConsensus EstimateReported EPSBeat/MissGAAP EPSRevenue EstimateActual RevenueDetails 10/23/2025(Estimated)--------7/24/2025Q2 2025$1.85$3.14+$1.29$2.94$944.69M$929.00M4/24/2025Q1 2025$2.10$2.86+$0.76$2.78$956.17M$970.00M1/30/2025Q4 2024$0.34$0.41+$0.07$0.14$963.04M-10/24/2024Q3 2024$1.86$1.83 -$0.03$3.63$981.26M$983.00M7/25/2024Q2 2024$1.60$2.66+$1.06$2.66$922.01M$939.00M4/25/2024Q1 2024$2.92$2.73 -$0.19$2.76$998.96M$991.00M1/25/2024Q4 2023-$0.67$0.90+$1.57$0.93$984.36M$1,000.00M10/26/2023Q3 2023$2.24$3.46+$1.22$3.50$996.07M$1.03B Bread Financial Earnings - Frequently Asked Questions When is Bread Financial's earnings date? Bread Financial has not confirmed its next earnings publication date, but the company's estimated earnings date is Thursday, October 23rd, 2025 based off last year's report dates. Learn more on BFH's earnings history. What guidance has Bread Financial issued on next quarter's earnings? Bread Financial issued an update on its FY 2025 earnings guidance on Thursday, July, 24th. The company issued revenue guidance of $3.8 billion-$3.8 billion, compared to the consensus revenue estimate of $3.9 billion. Did Bread Financial beat their earnings estimates last quarter? In the previous quarter, Bread Financial (NYSE:BFH) reported $3.14 earnings per share (EPS) to beat the analysts' consensus estimate of $1.85 by $1.29. Learn more on analysts' earnings estimate vs. BFH's actual earnings. How can I listen to Bread Financial's earnings conference call? The conference call for Bread Financial's latest earnings report can be listened to online. Listen to Conference Call How can I read Bread Financial's conference call transcript? The conference call transcript for Bread Financial's latest earnings report can be read online. Read Transcript How much revenue does Bread Financial generate each year? Bread Financial (NYSE:BFH) has a recorded annual revenue of $3.81 billion. How much profit does Bread Financial generate each year? Bread Financial (NYSE:BFH) has a recorded net income of $277 million. BFH has generated $5.91 earnings per share over the last four quarters. What is Bread Financial's price-to-earnings ratio? Bread Financial (NYSE:BFH) has a trailing price-to-earnings ratio of 10.80 and a forward price-to-earnings ratio of 9.90. The price/earnings-to-growth ratio is 0.98. What is Bread Financial's EPS forecast for next year? Bread Financial's earnings are expected to grow from $6.45 per share to $8.87 per share in the next year, which is a 37.52% increase. 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