Bread Financial Holdings Inc. (BFH)
How retail credit cards could bankrupt consumers with record high interest rates
Retail credit card debt is accounting for a greater proportion of overall debt in consumer bankruptcies.
Banks are keeping credit card rates high even after the CFPB rule they blamed for high APRs was killed
Banks quickly raised interest rates to record levels and added new monthly fees on credit cards last year when a Consumer Financial Protection Bureau rule threatened a key revenue source for the industry. Now they're far more reluctant to reverse those steps, even after bank trade groups succeeded in killing the CFPB rule in federal court last month.
Bread Financial Q1 Earnings, Revenues Top Estimates, Credit Sales Rise
BFH first-quarter results reflect higher credit sales, an increase in total interest income and a decline in total non-interest expenses.
Bread Financial Holdings, Inc. (BFH) Q1 2025 Earnings Call Transcript
Bread Financial Holdings, Inc. (NYSE:BFH ) Q1 2025 Earnings Conference Call April 24, 2025 8:30 AM ET Company Participants Brian Vereb - Head-Investor Relations Ralph Andretta - President & Chief Executive Officer Perry Beberman - Executive Vice President & Chief Financial Officer Conference Call Participants Sanjay Sakhrani - KBW Moshe Orenbuch - TD Cowen Jeff Adelson - Morgan Stanley John Pancari - Evercore ISI Bill Carache - Wolfe Research Securities Terry Ma - Barclays Mihir Bhatia - Bank of America Vincent Caintic - BTIG Operator Good morning, and welcome to Bread Financial First Quarter 2025 Earnings Conference Call. My name is Olivia, and I'll be coordinating your call today.
Compared to Estimates, Bread Financial (BFH) Q1 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 March 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) Q1 Earnings and Revenues Top Estimates
Bread Financial Holdings (BFH) came out with quarterly earnings of $2.86 per share, beating the Zacks Consensus Estimate of $2.10 per share. This compares to earnings of $2.73 per share a year ago.
Bread Financial Holdings (BFH) Expected to Beat Earnings Estimates: Can the Stock Move Higher?
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.
Bread Financial (BFH) Surges 12.7%: Is This an Indication of Further Gains?
Bread Financial (BFH) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road.
Bread Financial Q4 Earnings Top Estimates, Credit Sales Rise
BFH's fourth-quarter results reflect higher credit sales but lower average loans. Revenues decline as total interest income decreases.
Bread Financial Holdings, Inc. (BFH) Q4 2024 Earnings Call Transcript
Bread Financial Holdings, Inc. (NYSE:BFH ) Q4 2024 Earnings Conference Call January 30, 2025 8:30 AM ET Company Participants Brian Vereb – Head-Investor Relations Ralph Andretta – President and Chief Executive Officer Perry Beberman – Executive Vice President and Chief Financial Officer Conference Call Participants Sanjay Sakhrani – KBW Vincent Caintic – BTIG Jeff Adelson – Morgan Stanley John Pancari – Evercore ISI Bill Carache – Wolfe Research Moshe Orenbuch – TD Cowen Mihir Bhatia – Bank of America Terry Ma – Barclays Dominick Gabriele – Compass Point Reggie Smith – JPMorgan Operator Thank you for standing by, and welcome to the Bread Financial Fourth Quarter and Full Year 2024 Earnings Conference Call. At this time, all participants are in a listen-only mode.
Bread Financial (BFH) Reports Q4 Earnings: What Key Metrics Have to Say
The headline numbers for Bread Financial (BFH) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
Bread Financial Holdings (BFH) Q4 Earnings Surpass Estimates
Bread Financial Holdings (BFH) came out with quarterly earnings of $0.41 per share, beating the Zacks Consensus Estimate of $0.33 per share. This compares to earnings of $0.90 per share a year ago.
