Inferra AI / Company / BFH

Bread Financial Holdings, Inc.

BFH · Financials

Last earnings Oct 22, 2026

Key results

Revenuequarter

This positive momentum contributed to 7% growth in end-of-period loans, 5% revenue growth, and net income of $156 million.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

Net incomequarter

$156 million

This positive momentum contributed to 7% growth in end-of-period loans, 5% revenue growth, and net income of $156 million.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

Net income of $156 million decreased $32 million, or 17%, as the prior year included a $38 million favorable discrete tax item.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

Pretax income increased $13 million, or 6%, as strong loan growth resulted in 5% revenue growth.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

"Revenue grew 5% year-over-year, while total non-interest expenses increased only 2%.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

Credit revenuequarter

$6.8B

" Credit sales $6.8B $7.4B 3Q25 3Q26 +9% Net loss rate 7.39% 6.40% 3Q25 3Q26 Delinquency rate 6.04% 5.57% 3Q25 3Q26 Diluted EPS $3.96 $4.02 $3.82 3Q25 Adj.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

AI analysis

Q3 2026 · reported Oct 22, 2026

Based on: Earnings release + Q3 2026 deck + parent 8-K — transcript not held

Net income · Q3 2026

$156M

EX-99 · Oct 22, 2026

Credit revenue · Q3 2026

$6.8B

EX-99 · Oct 22, 2026

Headline figures

Metric	Q3 2026	Prior qtr	Year ago
Revenue	5%	—	—
Net income	$156 million	—	—
Credit revenue	$6.8B	—	—

EX-99 · Oct 22, 2026

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Dividend9%

During the quarter, we repurchased $75 million of common stock.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

These results demonstrate the continued success of our business model and our ability to generate sustainable, profitable growth

Based on: Earnings release + Q3 2026 deck + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

During the quarter, we repurchased $75 million of common stock.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

Today we announced that we are increasing our quarterly common stock dividend by 9%.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

Declared a quarterly cash dividend of $0.25 per common share, a 9% increase from the prior quarter.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

Repurchased 0.7 million shares of common stock for an aggregate purchase price of $75 million.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

During the quarter, we repurchased $75 million of common shares and $24 million of subordinated debt, further optimizing our balance sheet.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

Additionally, the Board's decision to increase the quarterly common stock dividend by 9% was supported by the strength of our earnings coupled with our disciplined capital management.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

Strategy & priorities

htm EX-99.1 exh9913q26bfhepr_final Bread Financial | October 22, 2026 1 "Our third quarter results underscore the sustained strength of Bread Financial's performance and our disciplined and consistent execution of key priorities including: responsible growth, credit risk management, and capital allocation.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

"We enter the final quarter of 2026 confident in our performance, encouraged by continued credit improvement and balance sheet growth, and remain committed to advancing our strategic priorities while achieving our long-term financial targets.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

Similarly, statements that describe our business strategy, outlook, objectives, plans, intentions or goals also are forward-looking statements.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

Risks & headwinds

(LVI) and certain of its subsidiaries, including the pending litigation against us in connection with the spinoff.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

We continue to monitor the effects of higher inflation and broader macroeconomic uncertainty on the consumer, however, our consumers continue to thoughtfully manage their spending and financial obligations.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

Forward-looking statements, however, are subject to a number of risks and uncertainties that are difficult to predict and, in many cases, beyond our control.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

The foregoing factors, along with other risks and uncertainties that could cause actual results to differ materially from those expressed or implied in forward-looking statements, are described in greater detail under the headings Risk Factors and Management s Discussion and Analysis of Financial Condition and Results of Operations in our Annual Report on Form 10-K for the most recently ended fiscal year, which may be updated in Item 1A of, or elsewhere in, our Quarterly Reports on Form 10-Q filed for periods subsequent to such Form 10-K.

SEC original ↗Bread Financial Holdings, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2026

Documents

Earnings deck slides

0 decks with slide view

Bread Financial Holdings, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Bread Financial Holdings, Inc. — Q3 2026 Results Presentation (Q3 2026) — Slide view unavailable — the original PDF could not be retrieved for segmentation (HTTP Error 403: Forbidden).

Competitors