---
title: "Bread Financial Reports Strong Second-Quarter Results and Outlook"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/293606377.md"
description: "Bread Financial reported strong Q2 2026 results, with net income rising to $146 million and revenue up 7% year-over-year. The company raised its 2026 outlook, expecting low- to mid-single-digit growth in loans and revenue. Key highlights include a shift toward direct-to-consumer deposits, share repurchases, and dividend increases. Analyst ratings remain mixed, with TipRanks AI suggesting an 'Outperform' based on technical momentum and valuation, despite concerns over cyclicality and leverage."
datetime: "2026-07-23T11:18:46.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/293606377.md)
  - [en](https://longbridge.com/en/news/293606377.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/293606377.md)
---

# Bread Financial Reports Strong Second-Quarter Results and Outlook

Bread Financial Holdings ( (BFH) ) has shared an announcement.

On July 23, 2026, Bread Financial reported strong second-quarter results for the period ended June 30, 2026, highlighted by 11% year-over-year credit sales growth, 3% average loan growth and 7% revenue growth, which lifted net income to $146 million and earnings per diluted share to $3.55. The company also strengthened its capital position and shareholder returns by issuing $135 million of preferred stock, repurchasing 2.8 million common shares, increasing tangible book value per share by 22% and improving credit metrics, while its board declared higher-yielding preferred dividends and a $0.23 quarterly common dividend payable on September 15, 2026.

Bread Financial’s funding profile continued to shift toward direct-to-consumer deposits, which grew 16% year-over-year to $9.4 billion and now supply about half of total funding, supporting an 18.5% net interest margin and providing flexibility for future growth. Management raised its 2026 outlook, now expecting low- to mid-single-digit growth in average loans and revenue versus 2025, positive operating leverage and a lower projected net loss rate of 7.0% to 7.1%, underscoring confidence in disciplined underwriting, resilient consumer behavior and the company’s ability to sustain earnings power and long-term value creation for shareholders.

The most recent analyst rating on (BFH) stock is a Hold  
with a $102.00 price target.  
To see the full list of analyst forecasts on Bread Financial Holdings stock,  
see the BFH Stock Forecast page.

**Spark’s Take on BFH Stock**

According to Spark, TipRanks’ AI Analyst, BFH is a Outperform.

BFH scores well due to strong technical momentum and an attractive low P/E, supported by a TTM financial recovery and solid cash generation. The score is held back by cyclicality/volatility in results, still-meaningful leverage for a credit lender, and earnings-call guidance that includes near-term noninterest income pressure and a still-elevated (though improving) loss-rate outlook.

To see Spark’s full report on BFH stock,  
click here.

**More about Bread Financial Holdings**

Bread Financial Holdings, Inc., based in Columbus, Ohio, is a tech-forward financial services company that offers personalized payment, lending and savings solutions, including co-brand credit portfolios and its Bread Pay platform. The company focuses on direct-to-consumer deposits and partners across sectors such as home, travel and entertainment, and sporting goods to drive credit sales and loan growth.

**Average Trading Volume:** 687,728

**Technical Sentiment Signal:** Buy

**Current Market Cap:** $4.11B

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