Bread Financial (BFH) Projected to Post Quarterly Earnings on Thursday

Posted by Brenda Bartman on Jul 21st, 2026

Bread Financial (NYSE:BFH – Get Free Report) is expected to release 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. Interested persons may visit the 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 – Get Free Report) last issued its quarterly earnings data on Thursday, April 23rd. The company reported $4.18 EPS for the quarter, beating the consensus estimate of $3.00 by $1.18. The company had revenue of $1.02 billion for the quarter, compared to analyst estimates of $992.05 million. Bread Financial had a return on equity of 18.79% and a net margin of 11.90%.Bread Financial’s quarterly revenue was up 4.9% compared to the same quarter last year. During the same period last year, the company earned $2.86 earnings per share. 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 0.2%

Shares of BFH stock opened at $99.55 on Tuesday. The company has a debt-to-equity ratio of 0.25, a current ratio of 1.15 and a quick ratio of 1.15. The company has a market cap of $4.02 billion, a price-to-earnings ratio of 8.15, a PEG ratio of 0.88 and a beta of 1.10. The stock has a 50 day simple moving average of $95.95 and a 200-day simple moving average of $83.42. Bread Financial has a 1-year low of $53.83 and a 1-year high of $109.91.

Bread Financial Announces Dividend

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

Insiders Place Their Bets

In other news, Director Roger H. Ballou sold 9,687 shares of the firm’s stock in a transaction dated Friday, April 24th. The stock was 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 approximately $2,716,735.28. This trade represents a 24.36% decrease in their position. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is accessible through the SEC website. Also, Director John J. Fawcett bought 698 shares of the firm’s stock in a transaction that occurred on Thursday, May 21st. The shares were acquired at an average price of $86.43 per share, with a total value of $60,328.14. Following the purchase, the director owned 11,000 shares of the company’s stock, valued at $950,730. The trade was a 6.78% increase in their ownership of the stock. The disclosure for this purchase is available in the SEC filing. 1.30% of the stock is owned by company insiders.

Institutional Trading of Bread Financial

Institutional investors have recently modified their holdings of the stock. Kemnay Advisory Services Inc. purchased a new stake in Bread Financial in the 4th quarter valued at $28,000. Northwestern Mutual Wealth Management Co. increased its stake in Bread Financial by 141.2% in the 3rd quarter. Northwestern Mutual Wealth Management Co. now owns 562 shares of the company’s stock valued at $31,000 after buying an additional 329 shares during the period. EverSource Wealth Advisors LLC increased its stake in shares of Bread Financial by 127.2% during the second quarter. EverSource Wealth Advisors LLC now owns 711 shares of the company’s stock worth $41,000 after acquiring an additional 398 shares during the period. Caitong International Asset Management Co. Ltd increased its position in Bread Financial by 8,300.0% during the 3rd quarter. Caitong International Asset Management Co. Ltd now owns 840 shares of the company’s stock worth $47,000 after purchasing an additional 830 shares during the period. Finally, Quarry LP raised its position in Bread Financial by 1,509.1% in the third quarter. Quarry LP now owns 885 shares of the company’s stock worth $49,000 after acquiring an additional 830 shares in the last quarter. Hedge funds and other institutional investors own 99.52% of the company’s stock.

Wall Street Analyst Weigh In

Several research analysts recently weighed in on BFH shares. Bank of America restated a “buy” rating and set a $108.00 price target on shares of Bread Financial in a research report on Wednesday, June 10th. Morgan Stanley boosted their price target on shares of Bread Financial from $98.00 to $102.00 and gave the company an “equal weight” rating in a research report on Monday. Keefe, Bruyette & Woods reiterated an “outperform” rating on shares of Bread Financial in a report on Wednesday, June 10th. Barclays raised shares of Bread Financial from an “underweight” rating to an “equal weight” rating and increased their target price for the stock from $70.00 to $104.00 in a research note on Tuesday, July 7th. Finally, Loop Capital initiated coverage on Bread Financial in a research note on Thursday, May 21st. They issued a “buy” rating and a $104.00 price objective for the company. Eight analysts have rated the stock with a Buy rating, six have issued a Hold rating and one has assigned a Sell rating to the stock. Based on data from MarketBeat, the company presently has an average rating of “Hold” and an average price target of $108.25.

Read Our Latest Research Report on Bread Financial

About Bread Financial

(Get Free Report)

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.