Bread Financial Holdings, Inc. (BFH) Earnings Call Analysis

NYSE · Financial Services · Credit Services

Earnings Reports

• Bread Financial (BFH) Q2 2026: Direct-to-Consumer Deposits Reach 50% of Funding, Driving Cost Advantage
  July 23, 2026
• Bread Financial (BFH) Q1 2026: Credit Sales Jump 7% as New Partnerships Fuel Loan Growth
  June 16, 2026
• Bread Financial (BFH) Q3 2025: CET1 Ratio Hits 14%, Unlocking $200M Buyback Expansion
  June 16, 2026
• Bread Financial (BFH) Q4 2025: Direct-to-Consumer Deposits Climb to 48%, Reshaping Funding Model
  June 15, 2026
• BFH Q2 2025: Net Loss Rate Improves 70bps as Credit Quality Tightens, Capital Flexibility Grows
  July 24, 2025
• Bread Financial (BFH) Q1 2025: Direct-to-Consumer Deposits Jump 13% as Credit Quality Stabilizes
  July 06, 2025
• BFH Q3 2024: $262M Convertible Repurchase Accelerates Deleveraging, Margin Headwinds Persist
  October 24, 2024
• Bread Financial (BFH) Q2 2024: Net Loss Rate Peaks at 8.6% as Credit Tightening Moderates Risk
  July 25, 2024
• BFH Q1 2024: CFPB Rule Drives 20% Revenue Hit, Forcing Rapid Pricing and Credit Realignment
  April 25, 2024
• Bread Financial (BFH) Q4 2023: CFPB Rule Poses 25% Revenue Risk, Forcing Strategic Credit Tightening
  January 25, 2024

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