Can you provide the last earnings date for BREAD FINANCIAL HOLDINGS INC?
BREAD FINANCIAL HOLDINGS INC (BFH) last reported earnings on 1/29/2026.
BREAD FINANCIAL HOLDINGS INC (BFH) Earnings History & Surprises
NYSE:BFH • US0185811082
Current stock price
74.89 USD
+1.86 (+2.55%)
At close:
74.89 USD
0 (0%)
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BFH Earnings overview
Past quarterly earnings results for BREAD FINANCIAL HOLDINGS INC (BFH), including EPS and revenue actuals, analyst estimates, and surprise percentages. This page focuses on historical performance (not forecasts).
Earnings Snapshot
Next Earnings Date
Upcoming- Release Date
- Apr 23, 2026
- Period
- Q1 / 2026
- EPS Estimate
- $3.07
- Revenue Estimate
- 1.004B
Last Reported
Most Recent- Release Date
- Jan 29, 2026
- Period
- Q4 / 2025
- EPS Reported
- $1.16
- EPS Surprise
- 218.02%
- Revenue Surprise
- 1.24%
Beat Rate
Last 8 Quarters 50%
EPS and Revenue beats vs estimates
Quarterly Earnings Historical Results
EPS & Revenue History (in USD): Actual vs estimated values, surprises, q2q growth and acceleration numbers quarterly history.
| Quarter | EPS | EPS Est | EPS Surprise | EPS Q2Q | Revenue | Revenue Est | Revenue Surprise | Revenue Q2Q |
|---|---|---|---|---|---|---|---|---|
| Q4 2025 | 1.16 | 0.36 | 218.02% | 728.57% | 975M | 963.03M | 1.24% | 5.29% |
| Q3 2025 | 3.96 | 2.10 | 88.70% | 116.39% | 971M | 974.36M | -0.34% | -1.22% |
| Q2 2025 | 2.93 | 1.89 | 55.06% | 10.15% | 929M | 949.35M | -2.14% | -1.06% |
| Q1 2025 | 2.78 | 2.27 | 22.48% | 2.96% | 970M | 962.9M | 0.74% | -2.12% |
| Q4 2024 | 0.14 | 0.34 | -58.34% | -84.44% | 926M | 975.44M | -5.07% | -8.95% |
| Q3 2024 | 1.83 | 1.88 | -2.76% | -47.11% | 983M | 991.1M | -0.82% | -14.22% |
| Q2 2024 | 2.66 | 1.79 | 48.84% | 109.45% | 939M | 931.53M | 0.80% | -1.37% |
| Q1 2024 | 2.70 | 3.05 | -11.40% | -70.26% | 991M | 1.007B | -1.59% | -23.12% |
| Q4 2023 | 0.90 | -0.89 | 201.01% | 133.58% | 1.017B | 996.37M | 2.07% | -17.18% |
| Q3 2023 | 3.46 | 2.35 | 47.42% | 28.62% | 1.146B | 1.005B | 14.03% | 3.06% |
| Q2 2023 | 1.27 | 0.15 | 746.98% | 408.00% | 952M | 975.98M | -2.46% | -3.64% |
| Q1 2023 | 9.08 | 6.94 | 30.91% | 115.68% | 1.289B | 1.065B | 21.03% | 28.90% |
| Q4 2022 | -2.68 | -3.00 | 10.53% | -321.49% | 1.228B | 1.013B | 21.22% | 30.64% |
| Q3 2022 | 2.69 | 2.62 | 2.63% | -39.82% | 1.112B | 980.71M | 13.39% | 18.05% |
| Q2 2022 | 0.25 | 2.23 | -88.81% | -95.83% | 988M | 925.57M | 6.75% | 14.35% |
| Q1 2022 | 4.21 | 4.47 | -5.77% | -32.96% | 1B | 945.76M | 5.74% | 10.01% |
| Q4 2021 | 1.21 | 1.54 | -21.25% | -63.44% | 940M | 1.054B | -10.82% | 143.90% |
| Q3 2021 | 4.47 | 3.33 | 34.41% | 29.57% | 942M | 1.093B | -13.82% | -10.33% |
| Q2 2021 | 5.99 | 3.76 | 59.19% | 222.04% | 864M | 1.059B | -18.41% | -11.77% |
| Q1 2021 | 6.28 | 3.19 | 96.91% | 737.33% | 909M | 1.078B | -15.68% | -34.22% |
| Q4 2020 | 3.31 | 2.43 | 36.15% | - | 385.4M | 1.118B | -65.53% | - |
| Q3 2020 | 3.45 | 2.27 | 51.67% | - | 1.051B | 1.024B | 2.59% | - |
| Q2 2020 | 1.86 | 1.09 | 70.52% | - | 979.3M | 1.156B | -15.29% | - |
| Q1 2020 | 0.75 | 2.80 | -73.25% | - | 1.382B | 1.293B | 6.87% | - |
Notes
- EPS and Revenue values are non-GAAP when available, otherwise GAAP.
- Surprise % is (Actual - Estimate) / |Estimate|. Green indicates positive surprise, red negative.
- Q2Q % is quarter-over-quarter growth. Green indicates growth, red indicates decline.
- Green right border indicates acceleration for sales or earnings growth. Acceleration is the case when the current Q2Q is above the previous Q2Q.
Earnings Q2Q Performance Trends
EPS Historical Q2Q growth and Acceleration
Revenue Historical Q2Q growth and Acceleration
Surprise distribution (Last 4 Quarters)
EPS beat statistics
EPS beat (4)
4
Average EPS beat (4)
96.06%
Max EPS beat (4)
218.02%
Min EPS beat (4)
22.48%
Revenue beat statistics
Revenue beat (4)
2
Average Revenue beat (4)
-0.13%
Max Revenue beat (4)
1.24%
Min Revenue beat (4)
-2.14%
Analysis
In the last 4 quarters, BFH has consistently beaten EPS estimates in all releases
BFH has beaten revenue estimates in 2 out of the last 4 releases
In the last 4 quarters, BFH has beaten the EPS estimates by 96.1% on average.
In the last 4 quarters, BFH reported -0.1% below the revenue estimates on average.
Related analysis
BREAD FINANCIAL HOLDINGS INC / BFH Earnings FAQ
Did BREAD FINANCIAL HOLDINGS INC (BFH) beat earnings estimates last quarter?
BREAD FINANCIAL HOLDINGS INC (BFH) beat EPS estimates and beat revenue estimates in the most recent quarter.
How often does BREAD FINANCIAL HOLDINGS INC (BFH) beat earnings estimates?
In the last 4 quarters, BREAD FINANCIAL HOLDINGS INC (BFH) has beaten EPS estimates in 4 out of 4 releases.