BFH

The market expects Bread Financial Holdings (BFH) to deliver a year-over-year decline in earnings on higher revenues when it reports results for the quarter ended June 2026. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates. The earnings report, which is expected to be released on July 23, might help the stock move higher if these key numbers are better than expectations. On the other hand, if they miss, the stock may move lower. While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise. This manager of loyalty and rewards programs for retailers and others is expected to post quarterly earnings of $2.43 per share in its upcoming report, which represents a year-over-year change of -22.6%. Revenues are expected to be $949.95 million, up 2.3% from the year-ago quarter. The consensus EPS estimate for the quarter has been revised 4.45% higher over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. This insight is at the core of our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction). The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the con...

Bread Financial Holdings recently reported quarterly revenue of US$1.21 billion and net profit of US$181 million, alongside favorable analyst updates from Bank of America Securities, UBS, and Barclays. Beyond the headline profit, the company’s very large average earnings surprise over recent quarters and positive Earnings ESP are sharpening attention on how it manages to outperform expectations. We’ll now examine how this pattern of earnings outperformance and upbeat analyst commentary shapes Bread Financial’s existing investment narrative. The best AI stocks today may lie beyond giants like Nvidia and Microsoft. Find the next big opportunity with these 16 smaller AI-focused companies with strong growth potential through early-stage innovation in machine learning, automation, and data intelligence that could fund your retirement. To own Bread Financial, you generally need to believe its tech-focused credit platform can keep turning profitable lending into solid returns despite credit and funding headwinds. The latest US$1.21 billion revenue and US$181 million net profit, alongside upbeat analyst ratings, support that case but do not materially change the near term tug of war between earnings quality as a catalyst and credit losses and partner pricing as key risks. The most relevant update here is the company’s consistent earnings strength, including an average earnings surprise above 200% and a positive Earnings ESP. That backdrop helps explain why banks like Bank of America Securities and UBS have reiterated favorable views, and why Barclays has moved to Hold, as the market weighs recent earnings outperformance against concerns about loan growth, yields, and the cost of keeping major retail partners on board. Yet beneath the strong quarter, investors should be aware of how quickly credit quality or partnership economics could turn if... Read the full narrative on Bread Financial Holdings (it's free!) Bread Financial Holdings’ narrative projects $4.2 billion revenue and $477.0 million earnings by 2029. This requires 17.1% yearly revenue growth and a $81.0 million earnings decrease from $558.0 million today. Uncover how Bread Financial Holdings' forecasts yield a $105.75 fair value, a 10% upside to its current price. Some of the lowest ranked analysts paint a far harsher picture, with earnings falling toward about US$380 million and margins compressing, so yo...

Track your investments for FREE with Simply Wall St, the portfolio command center trusted by over 7 million individual investors worldwide. Bread Financial Holdings (BFH) is back in focus after recent commentary highlighted its sizeable average earnings surprises over the past two quarters, alongside a positive Earnings ESP and a Zacks Rank #3 (Hold). See our latest analysis for Bread Financial Holdings. The recent focus on potential earnings surprises comes as Bread Financial Holdings trades at $96.50, with a 90-day share price return of 22.18% and a 1-year total shareholder return of 59.60%. This points to stronger momentum over the past year than in the very short term. If you are weighing Bread Financial alongside other opportunities in payments and financial technology, it can be helpful to widen the lens and review 18 top founder-led companies Bread Financial Holdings now trades around a 12% discount to analyst targets and a much wider implied gap to some intrinsic value estimates after a strong run. Is the market sensibly cautious or mispricing that rebound? On the most followed narrative, Bread Financial Holdings is priced below an implied fair value of $105.75, which frames recent earnings momentum and credit commentary in a wider long term context. Read the complete narrative. Want to see what sits behind that fair value tag? The narrative leans heavily on future revenue expansion, slimmer margins, and a higher earnings multiple than today. Curious how those moving parts add up to that single number? Result: Fair Value of $105.75 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, Bread Financial Holdings still faces pressure from potential pricing compression on key partnerships and the risk that consumer health or spending weakens, which could affect credit metrics and profitability. Find out about the key risks to this Bread Financial Holdings narrative. With Bread Financial Holdings showing both potential rewards and clear risks in the current narrative, it may be useful to review the underlying data now and decide where you stand using the 3 key rewards and 3 important warning signs If Bread Financial Holdings has sharpened your focus, do not stop here. Broaden your opportunity set with a few targeted stock ideas tailored to different investing goals. Target potential mispriced opportunities...

Looking for a stock that has been consistently beating earnings estimates and might be well positioned to keep the streak alive in its next quarterly report? Bread Financial Holdings (BFH), which belongs to the Zacks Financial - Miscellaneous Services industry, could be a great candidate to consider. This manager of loyalty and rewards programs for retailers and others has an established record of topping earnings estimates, especially when looking at the previous two reports. The company boasts an average surprise for the past two quarters of 228.42%. For the most recent quarter, Bread Financial was expected to post earnings of $3 per share, but it reported $4.18 per share instead, representing a surprise of 39.33%. For the previous quarter, the consensus estimate was $0.4 per share, while it actually produced $2.07 per share, a surprise of 417.50%. Thanks in part to this history, there has been a favorable change in earnings estimates for Bread Financial lately. In fact, the Zacks Earnings ESP (Expected Surprise Prediction) for the stock is positive, which is a great indicator of an earnings beat, particularly when combined with its solid Zacks Rank. Our research shows that stocks with the combination of a positive Earnings ESP and a Zacks Rank #3 (Hold) or better produce a positive surprise nearly 70% of the time. In other words, if you have 10 stocks with this combination, the number of stocks that beat the consensus estimate could be as high as seven. The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a version of the Zacks Consensus whose definition is related to change. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Bread Financial currently has an Earnings ESP of +3.88%, which suggests that analysts have recently become bullish on the company's earnings prospects. This positive Earnings ESP when combined with the stock's Zacks Rank #3 (Hold) indicates that another beat is possibly around the corner. We expect the company's next earnings report to be released on July 23, 2026. Investors should note, however, that a negative Earnings ESP reading is not indicative of an earnings m...

COLUMBUS, Ohio, July 07, 2026 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions will host a conference call on Thursday, Jul. 23, 2026, at 8:30 a.m. ET to discuss the company’s second quarter 2026 results. Conference Call/Webcast InformationParticipants can register in advance here, and the conference call will be available at the company’s investor relations website. Analysts planning to participate in the Q&A can register in advance here. Additionally, there will be several slides accompanying the webcast. Please go to the website at least 15 minutes prior to the call to register, as well as download and install any necessary software. The webcast will also be archived on the investor relations website. About Bread Financial® Bread Financial® (NYSE: BFH) is a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers. Our payment solutions deliver growth for some of the most recognized brands in travel & entertainment, specialty apparel, health & beauty, jewelry, sporting goods, technology and electronics, as well as home & furniture through our co-brand and private label credit cards and pay-over-time products providing choice and value to our shared customers. Additionally, we offer Bread Financial general purpose credit cards and saving products that empower our customers and their passions for a better life.​ Bread Financial proudly marks 30 years of success in 2026. To learn more about our global associates, our performance and our sustainability progress, visit breadfinancial.com or follow us on Instagram and LinkedIn. ContactsBrian Vereb — Investor [email protected] Haugen – Investor [email protected] Stultz — [email protected]

Bread Financial Holdings recently appeared at the Morgan Stanley US Financials Conference 2026 in New York, where Executive VP & CFO Perry S. Beberman presented, and the company has been added to the Zacks Rank #1 (Strong Buy) list following upward revisions to current-year earnings estimates. The combination of rising earnings estimates, a track record of positive earnings surprises, and improving credit metrics, including lower net principal losses and loss rates, has prompted analysts to reassess Bread Financial’s earnings power and risk profile. Next, we’ll examine how the recent earnings estimate upgrades and Zacks Rank #1 status influence Bread Financial’s existing investment narrative. Outshine the giants: these 14 early-stage AI stocks could fund your retirement. To own Bread Financial, you need to believe its technology investments, co‑brand partnerships and funding mix can offset pressure from tighter credit standards and competition. The latest Zacks Rank upgrade and 52 week high reinforce the near term earnings story, but do not materially change the key near term catalyst, which remains credit performance, or the biggest risk, which is a potential reversal in currently improving loss and delinquency trends. The most relevant recent update here is May’s performance report, which showed a modest rise in average loans alongside lower net principal losses and loss rates year over year. That improvement underpins the analyst earnings upgrades behind the Zacks Rank, while also reminding investors that Bread Financial still carries a relatively high bad loans ratio and remains exposed to shifts in consumer health and payment behavior. Yet beneath these positive credit headlines, there is a material risk investors should be aware of if consumer trends or macro conditions start to... Read the full narrative on Bread Financial Holdings (it's free!) Bread Financial Holdings’ narrative projects $4.2 billion revenue and $466.5 million earnings by 2029. Uncover how Bread Financial Holdings' forecasts yield a $96.19 fair value, a 5% downside to its current price. Some of the lowest estimate analysts paint a far more cautious picture, with earnings falling toward about US$381.2 million even as credit metrics improve, so you may want to compare this more pessimistic view with the recent earnings upgrades and ask how new information could shift expectations from...

A month has gone by since the last earnings report for Virtu Financial (VIRT). Shares have lost about 1.7% in that time frame, underperforming the S&P 500. But investors have to be wondering, will the recent negative trend continue leading up to its next earnings release, or is Virtu Financial due for a breakout? Before we dive into how investors and analysts have reacted as of late, let's take a quick look at its most recent earnings report in order to get a better handle on the important catalysts. VIRT Beats Q1 Earnings Estimates on Execution Services Unit StrengthVirtu Financial reported first-quarter adjusted earnings per share (EPS) of $2.24, which beat the Zacks Consensus Estimate by 34.9%. The bottom line increased 72.3% year over year. Adjusted Net Trading Income rose 58.2% year over year to $786.5 million, surpassing the consensus estimate by 37.5%.The strong quarterly results can be attributed to the improved commissions and technology services revenues. Strong performance in both the Market Making and Execution Services segments, driven by increased trading activity, also contributed to the upside. However, an increased expense level partially offset the positives. Revenues from commissions, net and technology services rose 23.3% year over year to $186.6 million. The metric beat the Zacks Consensus Estimate and our model estimate of $163.2 million. Interest and dividend income of $127.5 million increased 16.9% year over year but missed both the Zacks Consensus Estimate and our estimate of $128.6 million.Adjusted EBITDA increased 62.7% year over year to $520.6 million. Adjusted EBITDA margin improved year over year to 66.2% from 64.4% a year ago.Total operating expenses rose 11.7% year over year to $685.8 million, but were lower than our estimate of $771.7 million. The increase was due to higher costs related to communication and data processing, as well as employee compensation and payroll taxes. Market Making: Adjusted net trading income totaled $637.1 million in the first quarter, climbing 66.8% year over year. The metric surpassed the Zacks Consensus Estimate of $446 million. The unit’s revenues increased 32.5% year over year to $915.7 million, beating both the Zacks Consensus Estimate and our estimate of $815.6 million. Execution Services: The unit recorded adjusted net trading income of $149.5 million in the quarter under review, representin...

As the Q1 earnings season wraps, let’s dig into this quarter’s best and worst performers in the credit card industry, including Bread Financial (NYSE:BFH) and its peers. Credit card companies facilitate electronic payments and extend revolving credit to consumers. Growth comes from increasing digital payment adoption, cross-border transaction growth, and value-added services for cardholders and merchants. Challenges include regulatory scrutiny of fees and practices, competition from alternative payment methods, and potential credit losses during economic downturns. The 6 credit card stocks we track reported a satisfactory Q1. As a group, revenues were in line with analysts’ consensus estimates. Amidst this news, share prices of the companies have had a rough stretch. On average, they are down 5.3% since the latest earnings results. Formerly known as Alliance Data Systems until its 2022 rebranding, Bread Financial (NYSE:BFH) provides credit cards, installment loans, and savings products to consumers while powering branded payment solutions for retailers and merchants. Bread Financial reported revenues of $1.02 billion, up 4.9% year on year. This print exceeded analysts’ expectations by 2.3%. Overall, it was an exceptional quarter for the company with a beat of analysts’ EPS and net interest margin estimates. The stock is down 7.2% since reporting and currently trades at $85.77. Is now the time to buy Bread Financial? Access our full analysis of the earnings results here, it’s free. Processing over 829 million transactions daily and connecting billions of cards to 150 million merchant locations worldwide, Visa (NYSE:V) operates one of the world's largest electronic payments networks, facilitating secure money movement across more than 200 countries through its VisaNet processing platform. Visa reported revenues of $11.23 billion, up 17.1% year on year, outperforming analysts’ expectations by 4.5%. The business had a very strong quarter with a solid beat of analysts’ EBITDA and revenue estimates. Visa delivered the biggest analyst estimates beat among its peers. The market seems content with the results as the stock is up 4.8% since reporting. It currently trades at $324. Is now the time to buy Visa? Access our full analysis of the earnings results here, it’s free. Recognizable by its iconic green logo and the slogan "Don't leave home without it," American Expr...

PRA Group, Inc. PRAA delivered first-quarter 2026 earnings per share of 73 cents, topping the Zacks Consensus Estimate of 51 cents by 43.1%. The bottom line increased more than eightfold year over year. Total revenues were $315 million, beating the consensus mark of $298 million by 5.4% and rising 16.7% year over year. Results reflected stronger cash generation across geographies, aided by continued momentum in the U.S. legal collections channel and solid performance in Europe. Strong portfolio income also contributed to the upside, partly offset by an elevated expense level. PRAA’s net income of $31.8 million increased nearly fourfold year over year. Other revenues came in at $1.1 million, which soared 44.5% year over year. PRA Group, Inc. price-consensus-eps-surprise-chart | PRA Group, Inc. Quote PRAA’s cash collections increased to $551.9 million, up 11% from the prior-year quarter, supported by higher collections in both the United States and Europe. Management highlighted that investments in the U.S. legal collections channel continued to generate meaningful collections growth. The metric came higher than the Zacks Consensus Estimate of $537 million. The cash efficiency ratio was 61.8%. By region, U.S. Core cash collections totaled $268.4 million, while Europe Core collections were $192 million. The company also generated $50.8 million of collections from other markets, reflecting its diversified footprint. PRA Group’s portfolio income increased 11.9% year over year to $269.6 million, which management attributed to strong recent purchases at improved returns. Changes in expected recoveries contributed meaningfully as well, totaling $43.9 million in the quarter. Total portfolio revenues rose 16.6% to $313.5 million compared with $268.9 million a year ago. PRAA’s operating expenses increased $16.2 million year over year to $211.3 million. The largest driver was a $15.1 million rise in legal collection costs, which management tied to investments intended to support future cash collections growth. Offsetting some pressure, compensation and benefits declined $2.6 million, reflecting actions to right-size agent headcount, lean more on external collections resources and reduce corporate roles. Communication expense also decreased $1.5 million as the company used more cost-efficient collection strategies. PRA Group purchased $220.9 million of nonperforming loan...

Coinbase Global, Inc. COIN reported first-quarter 2026 adjusted operating loss of 17 cents per share, in contrast to the Zacks Consensus Estimate of earnings of 36 cents. COIN had reported an operating income of $1.94 per share in the prior-year quarter. The quarterly results reflected lower consumer transaction revenues, a decrease in blockchain rewards and other revenues, lower trading volume, and escalating operating expenses. Coinbase Global, Inc. price-consensus-eps-surprise-chart | Coinbase Global, Inc. Quote Total trading volume decreased 50% year over year to $202 million in the reported quarter. The Zacks Consensus Estimate was pegged at $224 million. Total revenues of $1.4 billion missed the Zacks Consensus Estimate by 5.6%. The top line decreased 30.5% year over year due to lower Transaction revenues, Subscription and services revenues, and other revenues. Total transaction revenues decreased 40% year over year to $755.8 million in the quarter. The downside was due to a decrease in consumer transaction revenues, offset by an increase in institutional transaction revenues. The Zacks Consensus Estimate was pegged at $827 million. Total subscription and services revenues decreased 14% year over year to $583.5 million in the reported quarter. The downside was due to a decrease in blockchain rewards, offset by increases in stablecoin revenues. The Zacks Consensus Estimate was pegged at $620 million. Adjusted EBITDA was $303 million in the reported quarter, which fell 67% from the year-ago quarter. Total operating expenses increased 8% to $1.4 billion in the quarter due to higher technology and development, sales and marketing, losses on crypto assets held for operations, net, and other operating expenses. Coinbase exited the first quarter with cash and cash equivalents of $10.2 billion as of March 31, 2026, down 9.6% from 2025-end. As of March 31, 2026, long-term debt remains flat from 2025-end to $5.9 billion. Shareholders' equity was $13.5 billion at first-quarter 2026-end, down 8.9% from 2025-end. Net cash used in operating activities was $182,7 million in the first quarter of 2026, which decreased 78.6% year over year. Coinbase expects subscription and services revenues to be in the range of $565-$645 million. COIN expects technology and development and general and administrative expenses to be in the range of $820-$870 million. Coinbase expects sa...

Bread Financial Holdings, Inc. BFH reported first-quarter 2026 operating income of $4.18 per share, outperforming the Zacks Consensus Estimate by 39.3%. The bottom line rose 49% year over year. Revenues increased 5% from the prior-year level to $1 billion, exceeding the consensus estimate by 1.1%. The solid performance reflected higher revenues, driven by pricing actions and increased credit sales, along with an improved net interest margin. However, gains were partially offset by elevated operating expenses and higher compensation costs. Credit sales of $6.5 billion increased 7% year over year, driven by new partner growth and increased general-purpose spending. Average loan increased 1% to $18.3 billion, and end-of-period loans rose 2% to $18.1 billion, supported by strong credit sales and partner expansion. Bread Financial Holdings, Inc. price-consensus-eps-surprise-chart | Bread Financial Holdings, Inc. Quote Total interest income increased 2% to $1.2 billion, missing the Zacks Consensus Estimate by 0.4%, and our model estimate by 2.1%. The net interest margin improved 120 basis points to 19.3%, whereas the Zacks Consensus Estimate was pegged at 18.2%. Total non-interest expenses decreased 1% to $472 million, aided by cost discipline and a data processing credit, partly offset by higher compensation costs. The delinquency rate of 5.6% improved from 5.9% year over year. The net loss rate of 7.3% improved 83 basis points year over year. Pre-tax pre-provision earnings increased 11% year over year to $546 million. Adjusted PPNR, a non-GAAP financial measure that excludes gains on portfolio sales and the impact of debt repurchases, increased 11% year over year to $546 million. Bread Financial exited the first quarter 2026 with cash and cash equivalents of $3.6 billion, down 1% from the 2025-end level. Tangible book value was $61.57 per share as of March 31, 2026, up 26% year over year. Return on average equity was 21.2%, which increased 350 basis points year over year. BFH repurchased $150 million, or 2 million shares, of common stock during the first quarter of 2026. It also increased its share repurchase authorization by $600 million, bringing the total capacity to $690 million at the quarter-end Management expects average loan growth to increase year over year at a low-single-digit rate. It expects total revenues to grow at a low-single-digit pace, broadly...

This article first appeared on GuruFocus. Net Income: $181 million. Revenue Growth: 5% year-over-year. Credit Sales: $6.5 billion, increased 7% year-over-year. Average Loans: Increased 1% to $18.3 billion. End-of-Period Loans: Increased 2% to $18.1 billion. Direct-to-Consumer Deposits: Increased 10% year-over-year to $8.7 billion. Diluted EPS: $4.15. Net Interest Margin: 19.3%. Delinquency Rate: 5.59%, down 34 basis points from last year. Net Loss Rate: 7.33%, down 83 basis points from last year. Common Stock Repurchase: Retired 3.5 million shares, 8% of outstanding shares at year-end 2025. CET1 Ratio: 13.3%, up 130 basis points compared to last year. Total Liquid Assets and Undrawn Credit Facilities: $6.4 billion. Total Loss Absorption Capacity: 25.5% of total loans. Warning! GuruFocus has detected 7 Warning Signs with AMBP. Is BFH fairly valued? Test your thesis with our free DCF calculator. Release Date: April 23, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Bread Financial Holdings Inc (NYSE:BFH) reported strong first-quarter results with a 7% year-over-year growth in credit sales, driven by successful new partner launches and increased shopping activity. The company launched new credit card relationships with Ford and Ethan Allen, expanding its presence in the automotive and home verticals. BFH achieved a net income of $181 million and a 5% year-over-year revenue growth, highlighting strong capital and cash flow generation. The company retired 3.5 million shares of common stock, enhancing shareholder value through ongoing stock repurchase activity. BFH's credit metrics have improved for six consecutive quarters, with a decrease in delinquency and net loss rates, reflecting disciplined credit risk management. Despite strong first-quarter results, the company provided conservative guidance for loan and revenue growth, citing macroeconomic uncertainties. Non-interest income decreased year-over-year due to higher Retail Share Arrangements, impacting overall financial performance. The company faces potential challenges from elevated oil prices, which could affect consumer spending and sentiment. There is a gradual decline in the benefit from pricing changes, which may slow down net interest margin growth throughout the year. The competitive landscape remains challenging, with the need to continuous...