BREAD FINANCIAL HOLDINGS, INC.
BREAD FINANCIAL HOLDINGS, INC is a Financial Services company operating in Credit Services with a $4.19B market cap.
Most recent reported earnings: Q2 FY2026 (Jul 22, 2026).
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Disclosures
Transcripts
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
History
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 |
Spoken Alpha tracks BFH's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters but stock falls 80% of the time
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
Peers
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for BFH.
$ curl https://api.spokenalpha.com/v1/companies/BFHFAQ
Spoken Alpha indexes BFH's earnings call transcripts at https://spokenalpha.com/companies/BFH. Each call links to attributed speakers and parsed analyst Q&A.
BREAD FINANCIAL HOLDINGS, INC. (BFH) held its most recent earnings call on 2026-04-23, covering fiscal Q1 2026.
BREAD FINANCIAL HOLDINGS, INC. (BFH) operates in the Financial Services sector (Credit Services industry).
| 2026-07-22 |
| — |
| $2.73 |
| — |
| — |
| — |
| — |
EODHD |
Source: EODHD. BFH reported actuals as published; sparse fields render as —.
When a company consistently beats but the stock doesn't react, consensus is usually set too low or the buy-side number is materially above sell-side. Watch for guidance walk-downs ahead of the print.
Raised guidance 8 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $2.95 | $2.02 | +45.9% | -4.0% | -1.8% |
| Q4 FY2026 | $2.69 | $1.97 | +36.4% | +0.7% | +1.7% |
| Q3 FY2026 | $3.00 | $2.19 | +37.0% | +0.7% | -1.6% |
| Q2 FY2026 | $2.93 | $2.08 | +40.8% | -2.8% | -1.3% |
| Q1 FY2025 | $3.13 | $2.20 | +42.2% | -6.9% | -5.6% |
CFO since 2025 • 3/4 beats (75%) • last guidance cut Q2 FY2026
| Q4 FY2025 |
| $2.89 |
| $2.15 |
| +34.2% |
| -5.3% |
| -4.2% |
| Q3 FY2025 | $2.93 | $2.13 | +37.6% | -0.6% | -2.8% |
| Q2 FY2025 | $3.10 | $2.28 | +36.1% | -5.0% | -2.1% |
| Q1 FY2024 | $2.96 | $2.07 | +42.8% | 0.0% | +1.6% |
| Q4 FY2024 | $3.04 | $2.16 | +40.9% | -8.8% | -8.5% |