Financial services company Bread Financial (NYSE: BFH) will be announcing earnings results this Thursday morning. Here’s what you need to know.
Bread Financial missed analysts’ revenue expectations by 0.6% last quarter, reporting revenues of $929 million, down 1.1% year on year. It was a very strong quarter for the company, with a beat of analysts’ EPS estimates.
Is Bread Financial a buy or sell going into earnings? Read our full analysis here, it’s free for active Edge members.
This quarter, analysts are expecting Bread Financial’s revenue to decline 1.7% year on year to $966.5 million, improving from the 4.7% decrease it recorded in the same quarter last year. Adjusted earnings are expected to come in at $2.11 per share.
Analysts covering the company have generally reconfirmed their estimates over the last 30 days, suggesting they anticipate the business to stay the course heading into earnings. Bread Financial has missed Wall Street’s revenue estimates four times over the last two years.
Looking at Bread Financial’s peers in the credit card segment, some have already reported their Q3 results, giving us a hint as to what we can expect. Capital One delivered year-on-year revenue growth of 53.4%, beating analysts’ expectations by 2.2%, and Synchrony Financial reported flat revenue, topping estimates by 0.9%. Synchrony Financial traded down 3.5% following the results.
Read our full analysis of Capital One’s results here and Synchrony Financial’s results here.
Debates over possible tariffs and corporate tax adjustments have raised questions about economic stability in 2025. While some of the credit card stocks have shown solid performance in this choppy environment, the group has generally underperformed, with share prices down 4.2% on average over the last month. Bread Financial is down 2.7% during the same time and is heading into earnings with an average analyst price target of $67.33 (compared to the current share price of $60.93).
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