BFH
Bread Financial·NYSE
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BFH fundamentals
Bread Financial (BFH) released its earnings on Jan 29, 2026: revenue was 975.00M (YoY +5.29%), beat estimates; EPS was 2.07 (YoY +404.88%), beat estimates.
Revenue / YoY
975.00M
+5.29%
EPS / YoY
2.07
+404.88%
Report date
Jan 29, 2026
BFH Earnings Call Summary for Q4,2025
- 2025 Financial Milestones: 10 new brand signings, 7 renewals, $350M capital return. 2026 loan growth guidance: low single digits.
- Credit Quality Improvements: 7.4% net loss rate (down 60bps YoY), 11.2% reserve rate (down 70bps YoY). 2025 AI-driven underwriting cost savings: $50M+.
- AI Expansion: 200+ ML models, 1M+ hours saved via automation. 2026 BNPL loans growth: 12% YoY.
- Regulatory Compliance: 13.0% CET1 ratio, 26.4% tangible common equity.
Earnings
EPS
Revenue
Revenue & Expenses
Key Indicators
Bread Financial (BFH) key financial stats and ratios, covering profitability, financial health, and leverage.
Income Statement
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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Breakdown
Balance Sheet
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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Cash Flow
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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Revenue Breakdown
Where does Bread Financial (BFH) generate its revenue? Explore its key revenue streams and top earning regions.
By Business
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By Region
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Dividend
Track Bread Financial (BFH) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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Dividend Yield
You can ask Aime
What factors drove the changes in Bread Financial's revenue and profit?Did Bread Financial beat or miss consensus estimates last quarter?What is the market's earnings forecast for Bread Financial next quarter?What is Bread Financial's latest dividend and current dividend yield?What is the revenue and EPS growth rate for Bread Financial year over year?What were the key takeaways from Bread Financial’s earnings call?What does Bread Financial do and what are its main business segments?What is Bread Financial's gross profit margin?
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