Bread Financial Holdings Inc. (BFH)
Bread Financial Holdings, Inc. (BFH) Q3 2025 Earnings Call Transcript
Bread Financial Holdings, Inc. (NYSE:BFH ) Q3 2025 Earnings Call October 23, 2025 8:30 AM EDT Company Participants Brian Vereb - Head of Investor Relations Ralph Andretta - President, CEO & Director Perry Beberman - Executive VP & CFO Conference Call Participants Sanjay Sakhrani - Keefe, Bruyette, & Woods, Inc., Research Division Moshe Orenbuch - TD Cowen, Research Division Mihir Bhatia - BofA Securities, Research Division Jeffrey Adelson - Morgan Stanley, Research Division Reginald Smith - JPMorgan Chase & Co, Research Division Dominick Gabriele - Compass Point Research & Trading, LLC, Research Division Vincent Caintic - BTIG, LLC, Research Division Presentation Operator Good morning, and welcome to the Bread Financial's Third Quarter 2025 Earnings Conference Call. My name is Kevin, and I'll be coordinating your call today.
Compared to Estimates, Bread Financial (BFH) Q3 Earnings: A Look at Key Metrics
While the top- and bottom-line numbers for Bread Financial (BFH) give a sense of how the business performed in the quarter ended September 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Bread Financial Holdings (BFH) Beats Q3 Earnings and Revenue Estimates
Bread Financial Holdings (BFH) came out with quarterly earnings of $4.02 per share, beating the Zacks Consensus Estimate of $2.11 per share. This compares to earnings of $1.84 per share a year ago.
Will Bread Financial (BFH) Beat Estimates Again in Its Next Earnings Report?
Bread Financial (BFH) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.
BFH Stock Trading at a Discount to Industry at 6.28X: Time to Hold?
Bread Financial is poised to gain from solid credit sales, proactive risk management, financial flexibility, prudent capital deployment, and higher return on capital.
Bread Financial: An Opportunity To Buy The Dip
Bread Financial remains resilient despite recent share declines, supported by strong asset yields and prudent management of loan growth and credit risk. BFH's deposit growth outpaces loan growth, reducing reliance on external financing and improving the loan-to-deposit ratio, which supports future net interest income. Nonperforming loans have declined for three consecutive quarters, and the allowance for loan losses stands at a robust 12% of gross loans.
Bread Financial Stock Near 52-Week High: What Should Investors Do?
BFH stock is poised to gain from solid credit sales, proactive risk management, financial flexibility, prudent capital deployment and higher return on capital.
Bread Financial Q2 Earnings Beat, Revenues Miss, Credit Sales Rise
BFH tops Q2 EPS estimates by nearly 70% as credit sales rise, even as revenues dip on lower finance charges and late fees.
Bread Financial Holdings, Inc. (BFH) Q2 2025 Earnings Call Transcript
Bread Financial Holdings, Inc. (NYSE:BFH ) Q2 2025 Earnings Conference Call July 25, 2025 8:30 AM ET Company Participants Brian Vereb - Head of Investor Relations Perry S. Beberman - Executive VP & CFO Ralph J.
Bread Financial Holdings (BFH) Tops Q2 Earnings Estimates
Bread Financial Holdings (BFH) came out with quarterly earnings of $3.14 per share, beating the Zacks Consensus Estimate of $1.85 per share. This compares to earnings of $2.66 per share a year ago.
Bread Financial Holdings (BFH) Expected to Beat Earnings Estimates: Should You Buy?
Bread Financial (BFH) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Why Bread Financial (BFH) is Poised to Beat Earnings Estimates Again
Bread Financial (BFH) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.
