Compared to Estimates, Bread Financial (BFH) Q3 Earnings: A Look at Key Metrics

Core Insights - Bread Financial Holdings (BFH) reported $971 million in revenue for Q3 2025, a year-over-year decline of 1.2% [1] - The company achieved an EPS of $4.02, significantly up from $1.84 a year ago, resulting in an EPS surprise of +90.52% compared to the consensus estimate of $2.11 [1] Financial Performance Metrics - Efficiency Ratio stood at 49%, better than the three-analyst average estimate of 53% [4] - Net loss rate was 7.4%, slightly better than the average estimate of 7.6% [4] - Net Interest Margin was reported at 18.8%, exceeding the average estimate of 18.2% [4] - Total interest income matched the estimate at $1.24 billion [4] - Interest on cash and investment securities was $44 million, below the average estimate of $48.32 million [4] - Interchange revenue was reported at -$111 million, worse than the average estimate of -$102.99 million [4] - Interest and fees on loans reached $1.2 billion, slightly above the average estimate of $1.19 billion [4] - Net interest income was $1.03 billion, surpassing the average estimate of $1.02 billion [4] - Total non-interest income was -$61 million, worse than the average estimate of -$53.03 million [4] - Other income was reported at $50 million, slightly above the average estimate of $49.18 million [4] Stock Performance - Shares of Bread Financial have returned -0.3% over the past month, compared to the Zacks S&P 500 composite's +0.2% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]