Bread Financial Holdings, Inc. (BFH) Tops Q4 EPS by 172c; offers outlook

Bread Financial Holdings, Inc. (NYSE: BFH) reported Q4 EPS of $2.07, $1.72 better than the analyst estimate of $0.35. Revenue for the quarter came in at $975 million versus the consensus estimate of $955.48 million.

2026 full year outlook
• "Our 2026 outlook is based on continued consumer resilience, inflation remaining above
the Federal Reserve target rate of 2%, and a generally stable labor market. Our outlook also
anticipates interest rate decreases by the Federal Reserve, which will modestly pressure
total net interest income.
• Average loan growth: "Based on visibility into our pipeline and partner growth, we expect
average credit card and other loans growth to be up low single digits from full year 2025.
• Total revenue: "We anticipate total revenue growth to be up low single digits from full year
2025, largely in line with average loan growth.
• Total expenses: "We manage expense growth based on revenue generation and investment
opportunities and expect to deliver positive operating leverage in 2026, excluding the pretax
impacts from our debt repurchases.
• Net loss rate: "We anticipate a 2026 net loss rate in the range of 7.2% to 7.4%.

For earnings history and earnings-related data on Bread Financial Holdings, Inc. (BFH) click here.

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