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.