Bread Financial Holdings, Inc. (BFH) Guidance & Earnings Results

On 2026-10-22 Bread Financial Holdings, Inc. raised guidance: "FY26 average loans +4% from FY25; FY26 total revenue +5% from FY25; FY26 net loss rate below 7.0% (improved from prior); FY26 effective tax rate…" — from its own filing, as read by EquiReason.

Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason

BFHBread Financial Holdings, Inc.Follow BFH — free

Credit Services · Financials

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Market cap: 3.8B
P/E TTM: 7.2
Dividend yield: 0.9%
52-week: —
Next earnings: 27 Jan, in 95 days

What management guided

each earnings 8-K · figures checked against the filing text

Release	Direction	What they said
22 Oct 26	Raised	FY26 average loans +4% from FY25; FY26 total revenue +5% from FY25; FY26 net loss rate below 7.0% (improved from prior); FY26 effective tax rate 25-27% · full year
23 Jul 26	Raised	FY2026 average loan growth: up low- to mid-single digits from FY2025; FY2026 total revenue growth: up low- to mid-single digits from FY2025; FY2026 net loss rate: 7.0% to 7.1% (improved from prior); FY2026 effective tax rate: 25% to 27% · full year
29 Jan 26	Reaffirmed	Full year 2025 outlook achieved: Average loans flat to slightly down, Revenue flat, Positive operating leverage, Net loss rate 7.7% (below guidance) · full year
24 Jul 25	Reaffirmed	FY2025: avg loans flat to slightly down; revenue flat; net loss rate 7.8-7.9%; positive operating leverage · full year

Bread Financial Holdings, Inc. — questions

What guidance did Bread Financial Holdings, Inc. give?: On 2026-10-22: "FY26 average loans +4% from FY25; FY26 total revenue +5% from FY25; FY26 net loss rate below 7.0% (improved from prior); FY26 effective tax rate 25-27%"
When does Bread Financial Holdings, Inc. report earnings?: Bread Financial Holdings, Inc.'s next earnings report is expected on 2027-01-27.

Every figure on this page comes from Bread Financial Holdings, Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.

How these figures are read: methodology · EquiReason.

Important information. Figures on this page are taken from filings submitted to the U.S. Securities and Exchange Commission (SEC) and processed automatically by EquiReason. They may contain errors, omissions or delays, and EquiReason makes no representation or warranty as to their accuracy, completeness or timeliness. Always verify figures against the original filing on SEC EDGAR before relying on them.

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