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Bread Financial Holdings, Inc.

BFH Consumer Discretionary Business Services
$102.45
▼ -2.1% Today
as of Oct 22, 16:46 ET
Last 30 days -6.21% Sep 14 → Oct 22
$95.96 $99.52 $103.09 $106.65 $110.21 Sep 14 Sep 22 Sep 29 Oct 07 Oct 14 Oct 22
Open
$106.50
High
$109.43
Low
$101.53
Volume
$1M
Avg Vol
$708,868
Mkt Cap
$3.8B
P/E (TTM)
8.80
Beta
—
52w High
$114.53
52w Low
$59.26
Div Yield
—
Shares Out
$39M

Recent Press Releases & News last 60 days · 25 items

Oct 22 · 21:05 GuruFocus.com
Bread Financial Holdings Inc (BFH) Q3 2026 Earnings Call Highlights: Loan Growth and Credit ...
Oct 22 · 17:24 Moby
Bread Financial Holdings, Inc. Q3 2026 Earnings Call Summary
Oct 22 · 17:05 MarketBeat
What Bread Financial (BFH) Said on Its Q3 Earnings Call
▸ Show all 25 press releases & news Free account →

BFH earnings at a glance

The options market is pricing a move of about ±5.4% after the report, a range of roughly $96.96 to $107.94 from today's $102.45. Over its last 6 reports the stock rose the next day 4 times and fell 2, moving ±4.1% on average; after the most recent report on Jul 23, 2026 it moved +1.7%. That means options currently expect more movement than BFH has typically delivered. BFH beat the consensus EPS estimate in 6 of its last 6 reported quarters. Implied volatility is currently 45%. The share price of $102.45 sits in the middle of its 52-week range.

More Consumer Discretionary stocks · All stocks · Earnings calendar

Overview

52-week range
$59
$115
78% of range
Avg surprise (last 6)
+115.7%
Avg reaction (last 6)
+2.3%
67% positive
Latest IV / EM
45%
EM ±5.4% · $100 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.05$2.31$4.56$6.82$9.08 Actual $9.08Actual $0.95Actual $3.42Actual $2.70Actual $2.66Actual $0.05Actual $2.86Est $2.10Actual $3.14Est $1.85Actual $4.02Est $2.11Actual $2.07Est $0.40Actual $4.18Est $3.00Actual $3.55Est $2.52 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$0$49M$99M$148M$197M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Thu Jul 23, 2026Jun/2026 $3.55 $2.52 +40.9% -19.8% +1.7% earnings
Thu Apr 23, 20268K 2026-04-23 $4.18 $3.00 +39.3% — -0.3% earnings
Thu Jan 29, 20268K 2026-01-29 $2.07 $0.40 +417.5% — +7.1% earnings
Thu Oct 23, 2025Sep/2025 $4.02 $2.11 +90.5% — +8.1% earnings
Thu Jul 24, 2025Jun/2025 $3.14 $1.85 +69.7% — -5.0% earnings
Thu Apr 24, 2025Mar/2025 $2.86 $2.10 +36.2% — +2.2% earnings
Mon Sep 30, 2024Sep 2024 $0.05 — — — — financials
Sun Jun 30, 2024Jun 2024 $2.66 — — — — financials
Sun Mar 31, 2024Mar 2024 $2.70 — — — — financials
Sat Sep 30, 2023Sep 2023 $3.42 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.95 — — — — financials
Fri Mar 31, 2023Mar 2023 $9.08 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$146M$181M—$188M$139M$138M—$2M
EPS (diluted)$3.55$4.15—$3.96$2.94$2.78—$0.05

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$3.68B$3.64B$3.60B$3.76B$3.80B$4.21B$3.68B$3.45B
Inventory————————
Total current assets————————
Total assets$22.45B$22.31B$22.66B$21.71B$21.82B$22.38B$22.89B$21.74B
Long-term debt———$3.79B$4.23B$5.12B$5.56B$4.58B
Total liabilities$19.09B$18.98B$19.34B$18.40B$18.66B$19.31B$19.84B$18.62B
Total equity$3.37B$3.33B$3.33B$3.32B$3.17B$3.07B$3.05B$3.11B

Implied volatility — last 90 days

33%55%77%100%122% Jun 07 — IV 46% · EM ±6.4%Jun 08 — IV 52% · EM ±6.8%Jun 09 — IV 52% · EM ±6.5%Jun 10 — IV 50% · EM ±5.9%Jun 11 — IV 49% · EM ±5.4%Jun 12 — IV 50% · EM ±5.1%Jun 15 — IV 64% · EM ±4.7%Jun 16 — IV 62% · EM ±3.7%Jun 17 — IV 123% · EM ±5.1%Jun 19 — IV 41% · EM ±9.0%Jun 22 — IV 40% · EM ±8.3%Jun 23 — IV 41% · EM ±8.3%Jun 24 — IV 43% · EM ±8.5%Jun 25 — IV 40% · EM ±7.9%Jun 26 — IV 38% · EM ±7.3%Jun 29 — IV 39% · EM ±6.9%Jun 30 — IV 41% · EM ±7.1%Jul 01 — IV 39% · EM ±6.6%Jul 02 — IV 38% · EM ±6.2%Jul 03 — IV 39% · EM ±6.2%Jul 06 — IV 45% · EM ±6.2%Jul 07 — IV 48% · EM ±6.3%Jul 08 — IV 56% · EM ±7.0%Jul 09 — IV 45% · EM ±5.3%Jul 10 — IV 33% · EM ±3.7%Jul 13 — IV 46% · EM ±3.8%Jul 14 — IV 53% · EM ±3.9%Jul 15 — IV 63% · EM ±3.7%Jul 16 — IV 102% · EM ±4.3%Jul 20 — IV 49% · EM ±11.6%Jul 21 — IV 51% · EM ±11.9%Jul 22 — IV 51% · EM ±11.7%Jul 23 — IV 38% · EM ±8.6%Jul 24 — IV 38% · EM ±8.5%Jul 27 — IV 34% · EM ±7.1%Jul 28 — IV 41% · EM ±8.4%Jul 29 — IV 44% · EM ±8.8%Jul 30 — IV 36% · EM ±7.1%Jul 31 — IV 39% · EM ±7.4%Aug 03 — IV 40% · EM ±7.1%Aug 04 — IV 43% · EM ±7.4%Aug 05 — IV 45% · EM ±7.5%Aug 06 — IV 37% · EM ±6.0%Aug 07 — IV 38% · EM ±5.9%Aug 10 — IV 41% · EM ±5.7%Aug 11 — IV 39% · EM ±5.1%Aug 12 — IV 35% · EM ±4.4%Aug 13 — IV 41% · EM ±4.8%Aug 14 — IV 34% · EM ±3.7%Aug 17 — IV 46% · EM ±3.8%Aug 18 — IV 50% · EM ±3.6%Aug 19 — IV 46% · EM ±2.7%Aug 20 — IV 57% · EM ±2.4%Aug 24 — IV 38% · EM ±7.9%Aug 25 — IV 40% · EM ±8.2%Aug 26 — IV 37% · EM ±7.3%Aug 27 — IV 38% · EM ±7.5%Aug 28 — IV 37% · EM ±7.0%Aug 31 — IV 36% · EM ±6.3%Sep 01 — IV 40% · EM ±7.0%Sep 02 — IV 38% · EM ±6.3%Sep 03 — IV 34% · EM ±5.5%Sep 04 — IV 33% · EM ±5.2%Sep 07 — IV 37% · EM ±5.2%Sep 08 — IV 37% · EM ±4.9%Sep 09 — IV 48% · EM ±6.0%Sep 10 — IV 34% · EM ±4.0%Sep 11 — IV 42% · EM ±4.7%Sep 14 — IV 50% · EM ±4.2%Sep 15 — IV 58% · EM ±4.2%Sep 16 — IV 59% · EM ±3.5%Sep 17 — IV 73% · EM ±3.0%Sep 21 — IV 37% · EM ±7.6%Sep 22 — IV 37% · EM ±7.6%Sep 23 — IV 36% · EM ±7.2%Sep 24 — IV 39% · EM ±7.7%Sep 25 — IV 40% · EM ±7.7%Sep 28 — IV 39% · EM ±7.0%Sep 29 — IV 38% · EM ±6.6%Sep 30 — IV 40% · EM ±6.6%Oct 01 — IV 40% · EM ±6.5%Oct 02 — IV 41% · EM ±6.3%Oct 05 — IV 58% · EM ±8.1%Oct 06 — IV 43% · EM ±5.6%Oct 07 — IV 46% · EM ±5.7%Oct 08 — IV 45% · EM ±5.4%

Sector peers

PAY
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$3.9B $34.07+3.4%
DLO
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$4.0B $14.84-2.2%
FOUR
Shift4 Payments, Inc.
$3.1B $40.17-0.7%
CBZ
CBIZ, Inc.
$3.0B $54.890.0%
TNET
TriNet Group, Inc.
$3.0B $74.62+5.3%
MMS
Maximus, Inc.
$2.9B $63.38+3.8%

BFH earnings FAQ

What is BFH's expected move for earnings?

Options currently price a move of about ±5.4%, or $5.49 per share either way from $102.45.

How does BFH stock usually react to earnings?

Across the last 6 reports the average next-day move was ±4.1%, up 4 times and down 2 times.

What is BFH's implied volatility?

BFH's at-the-money implied volatility is about 45% based on the latest options snapshot.

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