US · Financial Services · Credit Services
EPS came in at 3.84 against a street estimate of 3.26 — a beat of 17.8%.
Analysts rate Bread Financial Holdings, Inc. a buy (8 buy, 8 hold, 1 sell out of 17) with an average price target of $115.25.
CONFIDENT Bread Financial reported strong Q3 growth, improving credit, successful bank consolidation and raised loss-rate guidance, while cautioning that 2027 NIM may be flat to slightly lower. Q3 FY26 Analysts focused on consumer health, credit normalization, NIM, partner economics and 2027 growth. Management emphasized resilient but selective consumers, continued credit improvement, cautious NIM expectations and multiple partner-driven growth sources. 2026-10-22…
Full summary in the app.
| Fund | Stake |
|---|---|
| BlackRock Inc | 10.12% |
| Dimensional Fund Advisors, Inc. | 8.05% |
| Vanguard Portfolio Management, LLC | 6.82% |
| American Century Companies Inc | 4.66% |
| Allianz Asset Management AG | 4.66% |
| Vanguard Capital Management, LLC | 4.57% |
| State Street Corp | 4.38% |
| Turtle Creek Asset Management Inc. | 3.41% |
| Document | Date |
|---|---|
| Charter / bylaws change · Q4 2026 HEADLINE NUMBERS • Bread Financial issued and sold 5,000,000 depositary shares on November 3, 2026. • Each depositary share represents a 1/40th inte | 2026-11-03 |
| Company announcement · Q4 2026 HEADLINE NUMBERS • Bread Financial priced an offering of 5,000,000 depositary shares on October 27, 2026. • Each depositary share represents a 1/40t | 2026-10-28 |
| Quarterly report · Q3 2026 HEADLINE NUMBERS • Third-quarter 2026 credit sales were $7.4 billion, up 9% year over year. • Average credit card and other loans increased 6% to $1 | 2026-10-27 |
| Company announcement · Q4 2026 HEADLINE NUMBERS • Bread Financial launched a public offering of depositary shares on October 27, 2026. • Each depositary share represents a 1/40th | 2026-10-27 |
| Reg FD disclosure · Q4 2026 HEADLINE NUMBERS • Bread Financial Holdings, Inc. filed a Form 8-K on October 22, 2026, covering a performance update for the period ended September | 2026-10-22 |
| Results announced · Q4 2026 HEADLINE NUMBERS • Bread Financial reported third-quarter 2026 net income of $156 million, down 17% from $188 million, mainly because the prior year | 2026-10-22 |
| Reg FD disclosure · Q3 2026 BREAD FINANCIAL HOLDINGS, INC. - FORM 8-K SUMMARY HEADLINE NUMBERS • Report Date: September 15, 2026 • Performance Update Period: As of and for the | 2026-09-15 |
| Material agreement · Q3 2026 BREAD FINANCIAL HOLDINGS, INC. – FORM 8-K SUMMARY BUSINESS & SEGMENT HIGHLIGHTS • Company filed applications in December 2025 to merge Comenity Bank | 2026-09-08 |
Readable in the app.
| Action | Detail | Date |
|---|---|---|
| Dividend | $0.25 / share ex-date Nov 30, 2026 · pay Dec 15, 2026 | 2026-11-30 |
| Dividend | $0.23 / share ex-date Aug 31, 2026 · pay Sep 15, 2026 | 2026-08-31 |
| Dividend | $0.23 / share ex-date May 29, 2026 · pay Jun 15, 2026 | 2026-05-29 |
| Dividend | $0.23 / share ex-date Feb 27, 2026 · pay Mar 16, 2026 | 2026-02-27 |
| Dividend | $0.23 / share ex-date Nov 7, 2025 · pay Dec 12, 2025 | 2025-11-07 |
| Announcement | Date |
|---|---|
| Board approves $600 million increase to share repurchase authorization Bread Financial Holdings announced on February 26, 2026, that its Board of Directors approved a $600 million increase to the company's existing share repurchase authorization. This means the | 2026-02-26 |
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Open in the appGoogle PlayApp StoreData updated 2026-11-07.