Bread Financial Holdings (BFH) Tops Q2 Earnings Estimates

Company Performance - Bread Financial Holdings (BFH) reported quarterly earnings of $3.14 per share, exceeding the Zacks Consensus Estimate of $1.85 per share, and up from $2.66 per share a year ago, representing an earnings surprise of +69.73% [1][2] - The company posted revenues of $929 million for the quarter ended June 2025, which was a slight miss compared to the Zacks Consensus Estimate by 0.92%, and down from $939 million year-over-year [3] - Over the last four quarters, Bread Financial has surpassed consensus EPS estimates three times and topped consensus revenue estimates two times [2][3] Market Performance - Bread Financial shares have increased by approximately 5.1% since the beginning of the year, while the S&P 500 has gained 8.1% [4] - The current Zacks Rank for Bread Financial is 3 (Hold), indicating that the shares are expected to perform in line with the market in the near future [7] Future Outlook - The current consensus EPS estimate for the upcoming quarter is $2.17 on revenues of $988.48 million, and for the current fiscal year, it is $7.17 on revenues of $3.88 billion [8] - The estimate revisions trend for Bread Financial was mixed ahead of the earnings release, and future changes in estimates will be closely monitored [5][7] Industry Context - The Financial - Miscellaneous Services industry, to which Bread Financial belongs, is currently ranked in the top 38% of over 250 Zacks industries, suggesting a favorable outlook compared to lower-ranked industries [9]