Bread Financial (BFH) to Announce Quarterly Earnings on Thursday

Bread Financial (NYSE:BFH) is projected to announce its Q2 2026 results before the market opens on Thursday, July 23rd. Analysts expect Bread Financial to announce earnings of $2.71 per share and revenue of $959.3150 million for the quarter. Investors are encouraged to explore the company’s upcoming Q2 2026 earning report page for the latest details on the call scheduled for Thursday, July 23, 2026 at 8:30 AM ET.

Bread Financial (NYSE:BFH) last released its quarterly earnings data on Thursday, April 23rd. The company reported $4.18 EPS for the quarter, topping analysts’ consensus estimates of $3.00 by $1.18. The business had revenue of $1.02 billion during the quarter, compared to the consensus estimate of $992.05 million. Bread Financial had a return on equity of 18.79% and a net margin of 11.90%.The business’s revenue for the quarter was up 4.9% on a year-over-year basis. During the same period in the prior year, the firm posted $2.86 EPS. On average, analysts expect Bread Financial to post $11 EPS for the current fiscal year and $12 EPS for the next fiscal year.

Bread Financial Trading Up 1.8%

Shares of BFH opened at $101.29 on Wednesday. Bread Financial has a twelve month low of $53.83 and a twelve month high of $109.91. The firm has a market capitalization of $4.09 billion, a P/E ratio of 8.30, a price-to-earnings-growth ratio of 0.88 and a beta of 1.10. The company has a current ratio of 1.15, a quick ratio of 1.15 and a debt-to-equity ratio of 0.25. The stock’s fifty day simple moving average is $96.28 and its 200 day simple moving average is $83.61.

Bread Financial Dividend Announcement

The company also recently disclosed a quarterly dividend, which was paid on Monday, June 15th. Stockholders of record on Friday, May 29th were issued a $0.23 dividend. This represents a $0.92 dividend on an annualized basis and a dividend yield of 0.9%. The ex-dividend date was Friday, May 29th. Bread Financial’s dividend payout ratio (DPR) is 7.53%.

Wall Street Analyst Weigh In

A number of analysts have recently issued reports on the company. Morgan Stanley boosted their target price on Bread Financial from $98.00 to $102.00 and gave the stock an “equal weight” rating in a report on Monday. Zacks Research downgraded shares of Bread Financial from a “strong-buy” rating to a “hold” rating in a research note on Monday, July 6th. Wall Street Zen raised shares of Bread Financial from a “hold” rating to a “buy” rating in a research note on Saturday, June 13th. Keefe, Bruyette & Woods reaffirmed an “outperform” rating on shares of Bread Financial in a research report on Wednesday, June 10th. Finally, Bank of America reissued a “buy” rating and issued a $108.00 price objective on shares of Bread Financial in a research report on Wednesday, June 10th. Eight analysts have rated the stock with a Buy rating, six have assigned a Hold rating and one has given a Sell rating to the company. According to MarketBeat.com, the company currently has a consensus rating of “Hold” and a consensus target price of $108.25.

Insider Activity at Bread Financial

In related news, Director Roger H. Ballou sold 9,687 shares of Bread Financial stock in a transaction on Friday, April 24th. The shares were sold at an average price of $90.32, for a total transaction of $874,929.84. Following the sale, the director owned 30,079 shares of the company’s stock, valued at $2,716,735.28. The trade was a 24.36% decrease in their position. The transaction was disclosed in a filing with the SEC, which is accessible through the SEC website. Also, CEO Ralph J. Andretta sold 15,000 shares of the company’s stock in a transaction dated Friday, May 29th. The shares were sold at an average price of $89.10, for a total transaction of $1,336,500.00. Following the completion of the transaction, the chief executive officer directly owned 582,241 shares of the company’s stock, valued at approximately $51,877,673.10. The trade was a 2.51% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Company insiders own 1.30% of the company’s stock.

Institutional Inflows and Outflows

A number of institutional investors and hedge funds have recently bought and sold shares of BFH. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. increased its holdings in Bread Financial by 4.5% during the 1st quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 29,589 shares of the company’s stock worth $1,482,000 after purchasing an additional 1,286 shares during the last quarter. Millennium Management LLC boosted its stake in shares of Bread Financial by 46.5% during the 1st quarter. Millennium Management LLC now owns 345,902 shares of the company’s stock valued at $17,323,000 after buying an additional 109,864 shares during the last quarter. Goldman Sachs Group Inc. grew its position in shares of Bread Financial by 104.8% during the first quarter. Goldman Sachs Group Inc. now owns 736,604 shares of the company’s stock worth $36,889,000 after buying an additional 376,920 shares in the last quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC grew its position in shares of Bread Financial by 3.0% during the first quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC now owns 157,833 shares of the company’s stock worth $7,904,000 after buying an additional 4,624 shares in the last quarter. Finally, Strs Ohio bought a new stake in shares of Bread Financial in the first quarter worth $65,000. Hedge funds and other institutional investors own 99.52% of the company’s stock.

About Bread Financial

Bread Financial, formerly known as Alliance Data Systems, is a Columbus, Ohio–based financial services company that specializes in providing private label credit programs, co-brand credit cards and digital payment solutions for retail partners. The company designs, issues and services proprietary credit products, enabling merchants to offer branded financing options that drive customer loyalty and increase basket sizes at the point of sale. Through its Bread technology platform, Bread Financial delivers installment-based payment options that integrate directly into e-commerce and in-store checkout experiences.

In addition to its core credit offerings, Bread Financial provides analytics, marketing and loyalty services to help merchants better understand consumer behavior and optimize promotional strategies.