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.
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.
Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.
From Bread Financial Holdings, Inc.'s 10-Q and 10-K filings (SEC XBRL). YoY compares each quarter with the same quarter a year earlier; it is blank when the year-ago figure is missing or negative.
Annual results
Fiscal year
Revenue
Growth
EPS (diluted)
Growth
Net margin
FY2025
$3.85B
+0.2%
$10.89
+98.4%
13.5%
FY2024
$3.84B
-10.5%
$5.49
-61.7%
7.2%
FY2023
$4.29B
+12.1%
$14.34
+221.5%
16.7%
FY2022
$3.83B
+16.9%
$4.46
-72.2%
5.8%
FY2021
$3.27B
+466.9%
$16.02
+259.2%
24.5%
Frequently asked questions
When is Bread Financial Holdings's next earnings date?
Bread Financial Holdings has not announced a report date within the next three weeks. US companies usually report three to six weeks after each quarter ends; this page updates as soon as the date is on the calendar.
What did Bread Financial Holdings earn last quarter?
For the quarter ended Sep 2026, Bread Financial Holdings reported diluted EPS of $3.82 (-3.5% year over year) on revenue of $1.02B (+4.7%).
Where do these numbers come from?
Reported revenue, net income and EPS come from the company's own 10-Q and 10-K filings with the SEC (XBRL data). The report date and consensus estimate come from the Nasdaq earnings calendar.
Not investment advice. Figures can be restated by the company in later filings.