Bread Financial (BFH) Q1 2026 Earnings Transcript
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1 hour ago
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Should l Buy BFH?
Source: NASDAQ.COM
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Analyst Views on BFH
Wall Street analysts forecast BFH stock price to fall
12 Analyst Rating
5 Buy
4 Hold
3 Sell
Hold
Current: 92.440
Low
64.00
Averages
83.25
High
98.00
Current: 92.440
Low
64.00
Averages
83.25
High
98.00
About BFH
Bread Financial Holdings, Inc. is a tech-forward financial services company, which is engaged in providing simple, personalized payment, lending, and saving solutions. The Company's product offerings consist of private label and co-brand credit card programs with retailers and other brand partners; direct-to-consumer (DTC) credit cards; Bread Pay products; and Bread Savings products. Its payment solutions, including Bread Financial general purpose credit cards and savings products. Its private label credit cards are partner-branded credit cards used by consumers for the purchase of goods and services from that partner. Bread Pay is its payment technology solution for pay-over-time products. The Company's products are supported by various services and capabilities, including risk management, account origination and funding services; credit card and other loan processing and servicing; fraud prevention; marketing, and data and analytics; and digital and mobile capabilities.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Bread Financial to Announce Q1 Earnings on April 23
- Earnings Announcement: Bread Financial Holdings (BFH) is set to release its Q1 2023 earnings report on April 23 before market open, with consensus EPS estimates at $3.05, reflecting a 6.6% year-over-year growth, indicating ongoing potential for profitability.
- Revenue Expectations: Analysts forecast BFH's revenue to reach $996.62 million, representing a 2.7% year-over-year increase, which demonstrates the company's stability in revenue growth despite macroeconomic challenges.
- Historical Performance: Over the past two years, BFH has beaten EPS estimates 75% of the time and revenue estimates 63% of the time, showcasing the company's reliability in financial performance and market confidence.
- Estimate Revisions: In the last three months, EPS estimates have seen 10 upward revisions and 1 downward revision, while revenue estimates have experienced 7 upward revisions and 2 downward revisions, reflecting analysts' optimistic outlook on the company's future performance.
See More
Bread Financial (BFH) Q1 2026 Earnings Transcript
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Bread Financial Q1 Earnings Exceed Expectations
- Strong Performance: Bread Financial Holdings reported Q1 GAAP EPS of $4.15, beating expectations by $0.99, with revenue of $1.02 billion reflecting a 5.2% year-over-year increase, surpassing estimates by $23.38 million, indicating robust financial health.
- Net Income Growth: The net income for the first quarter reached $181 million, an increase of $43 million from the previous year, showcasing the company's success in new partner growth and improved credit sales, thereby reinforcing its market position.
- Capital Ratio Improvement: The common equity tier 1 (CET1) capital ratio rose by 130 basis points to 13.3%, indicating strong capital management that supports future loan growth and business expansion.
- Enhanced Shareholder Returns: Book value per common share increased by $14.30, or 22%, while tangible book value per common share rose by $12.66, or 26%, demonstrating the company's commitment to enhancing shareholder value.
See More
Cash Investments Attract Investors with Diversification Benefits
- Attractive Cash Investments: According to Morningstar, cash-equivalent investments like money market funds have amassed $7.64 trillion in assets, and despite the Federal Reserve's rate cuts last year, the annualized seven-day yield remains solid at 3.45%, allowing investors to de-risk while still achieving decent returns.
- Diversification Benefits: Portfolio strategist Amy Arnott highlighted that cash has had the lowest correlation with stocks over the past three years, outperforming Treasuries, indicating that cash can more effectively mitigate investment portfolio risks, especially during economic fluctuations.
- Bond Market Dynamics: As the Fed began raising rates in 2022, the correlation between stocks and bonds turned positive, leading to bonds failing to act as the stabilizing ballast investors expected, reflecting a decline in market confidence in bonds.
- Income Opportunities: Investors can earn solid income through various means such as money market funds, certificates of deposit, Treasury bills, and high-yield savings accounts, with some online banks like Bread Financial and LendingClub offering attractive 4% annual percentage yields, underscoring the market's focus on cash yields.
See More
Bread Financial to Host Q1 2026 Earnings Call
- Earnings Call Schedule: Bread Financial will host a conference call on April 23, 2026, at 8:30 a.m. ET to discuss its Q1 2026 financial results, expected to provide key performance metrics and future outlook.
- Participant Registration Info: Participants can register in advance to join the call, with registration links available on the company's investor relations website, ensuring analysts can smoothly engage in the Q&A session, enhancing interaction and transparency.
- Webcast Content: The call will feature several slides, and participants are advised to visit the website at least 15 minutes prior to the call to register and download necessary software, ensuring technical readiness to avoid issues during the meeting.
- Company Background: Celebrating 30 years in 2026, Bread Financial focuses on providing personalized payment, lending, and saving solutions to U.S. consumers, showcasing its ongoing growth and innovation in the financial services sector.
See More
Academy Launches New Loyalty Program and Credit Card
- Loyalty Program Upgrade: Academy Sports + Outdoors has launched the new myAcademy Rewards Mastercard® credit card, allowing members to earn a 5% discount and unlimited 2% rewards on purchases, aimed at enhancing customer shopping experiences and brand loyalty.
- Personalized Rewards: The revamped myAcademy Rewards program offers personalized rewards and exclusive savings for every member, ensuring that customers can easily gain value whether shopping online, via the app, or in-store, thereby driving sales growth.
- Digital Ecosystem Enhancement: Academy has upgraded its entire digital platform, making it easier for members to sign up, track progress, view rewards, and redeem them across various channels, which enhances user experience and increases customer retention.
- Family-Centric Strategy: This program is specifically designed for the “Always Game Family,” aiming to provide high-value outdoor gear that helps families enjoy fun without exceeding their budgets, thereby strengthening the brand's competitive position in the market.
See More
Bread Financial to Announce Q1 Earnings on April 23
- Earnings Announcement: Bread Financial Holdings (BFH) is set to release its Q1 2023 earnings report on April 23 before market open, with consensus EPS estimates at $3.05, reflecting a 6.6% year-over-year growth, indicating ongoing potential for profitability.
- Revenue Expectations: Analysts forecast BFH's revenue to reach $996.62 million, representing a 2.7% year-over-year increase, which demonstrates the company's stability in revenue growth despite macroeconomic challenges.
- Historical Performance: Over the past two years, BFH has beaten EPS estimates 75% of the time and revenue estimates 63% of the time, showcasing the company's reliability in financial performance and market confidence.
- Estimate Revisions: In the last three months, EPS estimates have seen 10 upward revisions and 1 downward revision, while revenue estimates have experienced 7 upward revisions and 2 downward revisions, reflecting analysts' optimistic outlook on the company's future performance.
See More
Bread Financial (BFH) Q1 2026 Earnings Transcript
See More
Bread Financial Q1 Earnings Exceed Expectations
- Strong Performance: Bread Financial Holdings reported Q1 GAAP EPS of $4.15, beating expectations by $0.99, with revenue of $1.02 billion reflecting a 5.2% year-over-year increase, surpassing estimates by $23.38 million, indicating robust financial health.
- Net Income Growth: The net income for the first quarter reached $181 million, an increase of $43 million from the previous year, showcasing the company's success in new partner growth and improved credit sales, thereby reinforcing its market position.
- Capital Ratio Improvement: The common equity tier 1 (CET1) capital ratio rose by 130 basis points to 13.3%, indicating strong capital management that supports future loan growth and business expansion.
- Enhanced Shareholder Returns: Book value per common share increased by $14.30, or 22%, while tangible book value per common share rose by $12.66, or 26%, demonstrating the company's commitment to enhancing shareholder value.
See More
Cash Investments Attract Investors with Diversification Benefits
- Attractive Cash Investments: According to Morningstar, cash-equivalent investments like money market funds have amassed $7.64 trillion in assets, and despite the Federal Reserve's rate cuts last year, the annualized seven-day yield remains solid at 3.45%, allowing investors to de-risk while still achieving decent returns.
- Diversification Benefits: Portfolio strategist Amy Arnott highlighted that cash has had the lowest correlation with stocks over the past three years, outperforming Treasuries, indicating that cash can more effectively mitigate investment portfolio risks, especially during economic fluctuations.
- Bond Market Dynamics: As the Fed began raising rates in 2022, the correlation between stocks and bonds turned positive, leading to bonds failing to act as the stabilizing ballast investors expected, reflecting a decline in market confidence in bonds.
- Income Opportunities: Investors can earn solid income through various means such as money market funds, certificates of deposit, Treasury bills, and high-yield savings accounts, with some online banks like Bread Financial and LendingClub offering attractive 4% annual percentage yields, underscoring the market's focus on cash yields.
See More
Bread Financial to Host Q1 2026 Earnings Call
- Earnings Call Schedule: Bread Financial will host a conference call on April 23, 2026, at 8:30 a.m. ET to discuss its Q1 2026 financial results, expected to provide key performance metrics and future outlook.
- Participant Registration Info: Participants can register in advance to join the call, with registration links available on the company's investor relations website, ensuring analysts can smoothly engage in the Q&A session, enhancing interaction and transparency.
- Webcast Content: The call will feature several slides, and participants are advised to visit the website at least 15 minutes prior to the call to register and download necessary software, ensuring technical readiness to avoid issues during the meeting.
- Company Background: Celebrating 30 years in 2026, Bread Financial focuses on providing personalized payment, lending, and saving solutions to U.S. consumers, showcasing its ongoing growth and innovation in the financial services sector.
See More
Academy Launches New Loyalty Program and Credit Card
- Loyalty Program Upgrade: Academy Sports + Outdoors has launched the new myAcademy Rewards Mastercard® credit card, allowing members to earn a 5% discount and unlimited 2% rewards on purchases, aimed at enhancing customer shopping experiences and brand loyalty.
- Personalized Rewards: The revamped myAcademy Rewards program offers personalized rewards and exclusive savings for every member, ensuring that customers can easily gain value whether shopping online, via the app, or in-store, thereby driving sales growth.
- Digital Ecosystem Enhancement: Academy has upgraded its entire digital platform, making it easier for members to sign up, track progress, view rewards, and redeem them across various channels, which enhances user experience and increases customer retention.
- Family-Centric Strategy: This program is specifically designed for the “Always Game Family,” aiming to provide high-value outdoor gear that helps families enjoy fun without exceeding their budgets, thereby strengthening the brand's competitive position in the market.
See More
