Flash FinanceUS
Market open S&P 5007,376.86+0.31% Nasdaq24,579.42+1.09% Dow 3051,285.73-0.46% Russell 20002,754.11+0.89% Nasdaq-10026,989.99+1.35% MidCap 4003,602.50+0.56% SmallCap 6001,673.98+0.05% VIX25.64-9.01% 10Y Yield4.86+0.45% Close of Nov 06, 2026
AI brief of an SEC Form 8-K · Bread Financial Holdings (BFH)

Bread Financial Q3 profit falls 17% as revenue rises 5%; loss-rate outlook improves

Mixed Impact 4 of 5 earnings

Bread Financial reported third-quarter 2026 results for the period ended September 30, 2026. Revenue rose 5% to $1,017 million and diluted EPS was $3.82, down from $3.96, as the prior-year quarter included a $38 million favorable tax item. The company also raised its full-year 2026 net loss rate outlook to below 7% and declared a 9% increase in its quarterly common dividend to $0.25 per share.

Key points

  • Q3 2026 net income was $156 million, down $32 million or 17% from $188 million a year earlier; revenue rose 5% to $1,017 million.
  • Diluted EPS was $3.82 versus $3.96; adjusted diluted EPS was $3.84 versus $4.02.
  • Full-year 2026 net loss rate outlook is now below 7.0%, and average loans are now expected to be up approximately 4% from 2025.
  • Quarterly common dividend of $0.25 per share is payable December 15, 2026 to holders of record on November 30, 2026.

The filing

CompanyBread Financial Holdings (BFH)
Form8-K, current report
Filed with the SECOct 22, 2026, 6:46 AM ET
Accession number0001101215-26-000087

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure8.01 Other Events

Read the filing on SEC.gov ↗

Written by AI on Nov 7, 2026, 11:17 PM ET, from this filing only.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.