Bread Financial Holdings (BFH) Beats Q3 Earnings and Revenue Estimates

Core Insights - Bread Financial Holdings (BFH) reported quarterly earnings of $4.02 per share, significantly exceeding the Zacks Consensus Estimate of $2.11 per share, and up from $1.84 per share a year ago [1][2] - The earnings surprise for this quarter was +90.52%, following a previous surprise of +69.73% in the last quarter [2] - The company generated revenues of $971 million for the quarter ended September 2025, slightly surpassing the Zacks Consensus Estimate by 0.46%, but down from $983 million year-over-year [3] Earnings Performance - The company has consistently surpassed consensus EPS estimates over the last four quarters [2] - The current consensus EPS estimate for the upcoming quarter is $0.06 on revenues of $958.53 million, and for the current fiscal year, it is $8.33 on revenues of $3.87 billion [8] Stock Performance and Outlook - Bread Financial shares have declined approximately 0.9% year-to-date, contrasting with the S&P 500's gain of 13.9% [4] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the market in the near future [7] Industry Context - The Financial - Miscellaneous Services industry, to which Bread Financial belongs, is currently ranked in the top 34% of over 250 Zacks industries, suggesting a favorable outlook compared to lower-ranked industries [9] - Another company in the same industry, Sachem Capital Corp. (SACH), is expected to report quarterly earnings of $0.01 per share, reflecting a year-over-year increase of +107.7% [10]