---
title: "Bread Financial Holdings Inc reports results for the quarter ended September 30 - Earnings Summary"
description: "Bread Financial Holdings Inc reported adjusted earnings of $3.96 per share for the quarter ended September 30, significantly higher than last year's $1.83 and above analysts' expectations of $2.10. Re"
type: "news"
locale: "en"
url: "https://longbridge.com/en/news/262460450.md"
published_at: "2025-10-23T14:07:55.000Z"
---

# Bread Financial Holdings Inc reports results for the quarter ended September 30 - Earnings Summary

> Bread Financial Holdings Inc reported adjusted earnings of $3.96 per share for the quarter ended September 30, significantly higher than last year's $1.83 and above analysts' expectations of $2.10. Revenue decreased by 1.2% to $971 million, slightly above the expected $964.71 million. The company’s net income was $188 million. Analysts' earnings estimates have risen by 2.8% over the last three months, with a current average rating of "hold". The median 12-month price target is $66.00, 7.7% above the last closing price of $60.93.

-   Bread Financial Holdings Inc reported quarterly adjusted earnings of $3.96​​ per share for the quarter ended September 30, higher than the same quarter last year, when the company reported EPS of $1.83. The mean expectation of fifteen analysts for the quarter was for earnings of $2.10 per share. Wall Street expected results to range from $1.79 to $2.45 per share.
-   Revenue fell 1.2% to $971.00 million from a year ago; analysts expected $964.71 million.
-   Bread Financial Holdings Inc's reported EPS for the quarter was $3.96​.
-   The company reported quarterly net income of $188 million.
-   Bread Financial Holdings Inc shares had risen by 8.6% this quarter and lost 0.9% so far this year.

FORECAST CHANGES

-   The mean earnings estimate of analysts had risen by about 2.8% in the last three months.​
-   In the last 30 days, five analysts negatively revised earnings estimates

RECOMMENDATIONS

-   The current average analyst rating on the shares is "hold" and the breakdown of recommendations is 6 "strong buy" or "buy," 8 "hold" and 3 "sell" or "strong sell." The average consensus recommendation for the consumer lending peer group is "buy."
-   Wall Street's median 12-month price target for Bread Financial Holdings Inc is $66.00, about 7.7% above its last closing price of $60.93

This summary was machine generated from LSEG data October 23 at 02:07 p.m. UTC. ​All figures in US dollars unless otherwise stated. (For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com)

QUARTER ENDING

ESTIMATE

ACTUAL

BEAT, MET, MISSED

Sep. 30 2025

2.10

3.96

Beat

Jun. 30 2025

1.87

2.93

Beat

Mar. 31 2025

2.25

2.78

Beat

Dec. 31 2024

0.33

0.14

Missed

### Related Stocks

- [BFH.US - Bread Financial](https://longbridge.com/en/quote/BFH.US.md)

## Related News & Research

| Title | Description | URL |
|-------|-------------|-----|
| Bread Financial Sees Better January Credit, Flat Loan Growth in BofA Conference Discussion | Bread Financial (NYSE:BFH) executives reported improved early-year credit performance and stable loan growth during a Ba | [Link](https://longbridge.com/en/news/276081577.md) |
| Bread Financial CFO: “Resilient” Middle America, Improving Credit, Loan Growth Ahead as Partners Scale | Bread Financial CFO Perry Beberman highlighted a resilient middle-America consumer and improving credit trends, anticipa | [Link](https://longbridge.com/en/news/276083506.md) |
| Bread Financial meldet für Januar 2026 einen Rückgang der Nettoausfall- und der Delinquenzrate | Bread Financial Holdings Inc. reported a decline in net charge-offs and delinquency rates for January 2026. The company  | [Link](https://longbridge.com/en/news/275452894.md) |
| Shutterstock Non-GAAP EPS of $0.67 misses by $0.46, revenue of $220.2M misses by $32.14M | Shutterstock Non-GAAP EPS of $0.67 misses by $0.46, revenue of $220.2M misses by $32.14M | [Link](https://longbridge.com/en/news/276124816.md) |
| Bread Financial Analysts Increase Their Forecasts Following Q4 Results | Bread Financial Holdings, Inc. (NYSE:BFH) reported Q4 earnings of $2.07 per share, surpassing estimates, with sales of $ | [Link](https://longbridge.com/en/news/274339844.md) |

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.