BFH
Bread Financial·NYSE
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BFH fundamentals
Bread Financial (BFH) released its earnings on Oct 23, 2025: revenue was 971.00M (YoY -1.22%), beat estimates; EPS was 4.02 (YoY +119.67%), beat estimates.
Revenue / YoY
971.00M
-1.22%
EPS / YoY
4.02
+119.67%
Report date
Oct 23, 2025
BFH Earnings Call Summary for Q3,2025
- Revenue Growth & Shareholder Returns: 5% YoY revenue growth to $6.8B, $200M share buyback authorization, and 10% dividend hike.
- Credit Health & AI Efficiency: 72% of new accounts at prime+, 200+ AI models driving 1%+ operating leverage, and 58% of cardholders at 660+ FICO scores.
- Capital Strength: CET1 ratio at 14.0%, up 70bps YoY, with $340M available for repurchases and 13-14% CET1 target range.
- Macroeconomic Resilience: Delinquency rate down 30bps QoQ, reserve rate up 20bps YoY, and 3.4% wage growth vs. 2.9% inflation.
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Key Indicators
Bread Financial (BFH) key financial stats and ratios, covering profitability, financial health, and leverage.
Bread Financial (BFH)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Bread Financial (BFH)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Bread Financial (BFH)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Bread Financial (BFH) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Bread Financial (BFH) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What is the market's earnings forecast for Bread Financial next quarter?What factors drove the changes in Bread Financial's revenue and profit?What guidance did Bread Financial's management provide for the next earnings period?What is Bread Financial's gross profit margin?What does Bread Financial do and what are its main business segments?What is Bread Financial's latest dividend and current dividend yield?What were the key takeaways from Bread Financial’s earnings call?What were the key takeaways from Bread Financial's earnings call?
