Spoken Alpha
BFH
BREAD FINANCIAL HOLDINGS, INC.
Overview
BREAD FINANCIAL HOLDINGS, INC is a Financial Services company operating in Credit Services with a $3.91B market cap.
Most recent reported earnings: Q3 FY2026 (Oct 21, 2026).
23 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q3 FY2026Earnings2026-10-2221 Q&A exchanges
- Q2 FY2026Earnings2026-07-2317 Q&A exchanges
- Q1 FY2026Earnings2026-04-2310 Q&A exchanges
- Q4 FY2025Earnings2026-01-2926 Q&A exchanges
- Q3 FY2025Earnings2025-10-2316 Q&A exchanges
- Q2 FY2025Earnings2025-07-2520 Q&A exchanges
- Q1 FY2025Earnings2025-04-2426 Q&A exchanges
- Q4 FY2024Earnings2025-01-3022 Q&A exchanges
- Q3 FY2024Earnings2024-10-2420 Q&A exchanges
- Q2 FY2024Earnings2024-07-2521 Q&A exchanges
- Q1 FY2024Earnings2024-04-2516 Q&A exchanges
- Q4 FY2023Earnings2024-01-2521 Q&A exchanges
- Q3 FY2023Earnings2023-10-2619 Q&A exchanges
- Q2 FY2023Earnings2023-07-2723 Q&A exchanges
- Q1 FY2023Earnings2023-04-2719 Q&A exchanges
- Q4 FY2022Earnings2023-01-2637 Q&A exchanges
- Q3 FY2022Earnings2022-10-2722 Q&A exchanges
- Q2 FY2022Earnings2022-07-2824 Q&A exchanges
- Q1 FY2022Earnings2022-04-2823 Q&A exchanges
- Q4 FY2021Earnings2022-01-2728 Q&A exchanges
- Q3 FY2021Earnings2021-10-2828 Q&A exchanges
- Q2 FY2021Earnings2021-07-2929 Q&A exchanges
- Q1 FY2021Earnings2021-04-2925 Q&A exchanges
History
Earnings history
- Q3 FY20262026-10-21EPS— vs $3.42—Rev— vs ——EODHD
- Q2 FY20262026-07-22EPS$3.55 vs $2.52+40.9%Rev$1.19B vs ——EODHD
- Q1 FY20262026-04-22EPS$4.18 vs $3.05+37.0%Rev$1.21B vs ——EODHD
- Q4 FY20252026-01-28EPS$2.07 vs $0.48+100.0%Rev$1.17B vs ——EODHD
- Q3 FY20252025-10-22EPS$4.02 vs $2.11+90.5%Rev$1.18B vs ——EODHD
- Q2 FY20252025-07-23EPS$3.14 vs $1.94+61.9%Rev$1.15B vs ——EODHD
- Q1 FY20252025-04-23EPS$2.90 vs $2.23+30.0%Rev$1.20B vs ——EODHD
- Q4 FY20242025-01-29EPS$0.41 vs $0.32+28.1%Rev$1.16B vs ——EODHD
- Q3 FY20242024-10-23EPS$1.84 vs $1.95-5.6%Rev$1.22B vs ——EODHD
- Q2 FY20242024-07-24EPS$2.66 vs $1.64+62.2%Rev$1.18B vs ——EODHD
- Q1 FY20242024-04-23EPS$2.73 vs $2.97-8.1%Rev$1.24B vs ——EODHD
- Q4 FY20232024-01-24EPS$0.90 vs $-0.83+100.0%Rev$1.25B vs ——EODHD
- Q3 FY20232023-10-25EPS$3.46 vs $2.28+51.7%Rev$1.25B vs ——EODHD
- Q2 FY20232023-07-26EPS$1.27 vs $0.05+100.0%Rev$1.16B vs ——EODHD
- Q1 FY20232023-04-26EPS$9.08 vs $6.59+37.8%Rev$1.29B vs ——EODHD
- Q4 FY20222023-01-25EPS$-2.68 vs $-2.80+4.3%Rev$1.23B vs ——EODHD
- Q3 FY20222022-10-26EPS$2.69 vs $2.19+22.8%Rev$1.12B vs ——EODHD
- Q2 FY20222022-07-27EPS$0.56 vs $2.20-74.6%Rev$1.01B vs ——EODHD
- Q1 FY20222022-04-27EPS$4.21 vs $4.41-4.5%Rev$921.0M vs ——EODHD
- Q4 FY20212022-01-26EPS$1.21 vs $2.20-45.0%Rev$939.0M vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q3 FY2026 | 2026-10-21 | — | $3.42 | — | — | — | — | EODHD |
| Q2 FY2026 | 2026-07-22 | $3.55 | $2.52 | +40.9% | $1.19B | — | — | EODHD |
| Q1 FY2026 | 2026-04-22 | $4.18 | $3.05 | +37.0% | $1.21B | — | — | EODHD |
| Q4 FY2025 | 2026-01-28 | $2.07 | $0.48 | +100.0% | $1.17B | — | — | EODHD |
| Q3 FY2025 | 2025-10-22 | $4.02 | $2.11 | +90.5% | $1.18B | — | — | EODHD |
| Q2 FY2025 | 2025-07-23 | $3.14 | $1.94 | +61.9% | $1.15B | — | — | EODHD |
| Q1 FY2025 | 2025-04-23 | $2.90 | $2.23 | +30.0% | $1.20B | — | — | EODHD |
| Q4 FY2024 | 2025-01-29 | $0.41 | $0.32 | +28.1% | $1.16B | — | — | EODHD |
| Q3 FY2024 | 2024-10-23 | $1.84 | $1.95 | -5.6% | $1.22B | — | — | EODHD |
| Q2 FY2024 | 2024-07-24 | $2.66 | $1.64 | +62.2% | $1.18B | — | — | EODHD |
| Q1 FY2024 | 2024-04-23 | $2.73 | $2.97 | -8.1% | $1.24B | — | — | EODHD |
| Q4 FY2023 | 2024-01-24 | $0.90 | $-0.83 | +100.0% | $1.25B | — | — | EODHD |
| Q3 FY2023 | 2023-10-25 | $3.46 | $2.28 | +51.7% | $1.25B | — | — | EODHD |
| Q2 FY2023 | 2023-07-26 | $1.27 | $0.05 | +100.0% | $1.16B | — | — | EODHD |
| Q1 FY2023 | 2023-04-26 | $9.08 | $6.59 | +37.8% | $1.29B | — | — | EODHD |
| Q4 FY2022 | 2023-01-25 | $-2.68 | $-2.80 | +4.3% | $1.23B | — | — | EODHD |
| Q3 FY2022 | 2022-10-26 | $2.69 | $2.19 | +22.8% | $1.12B | — | — | EODHD |
| Q2 FY2022 | 2022-07-27 | $0.56 | $2.20 | -74.6% | $1.01B | — | — | EODHD |
| Q1 FY2022 | 2022-04-27 | $4.21 | $4.41 | -4.5% | $921.0M | — | — | EODHD |
| Q4 FY2021 | 2022-01-26 | $1.21 | $2.20 | -45.0% | $939.0M | — | — | EODHD |
Source: EODHD. BFH reported actuals as published; sparse fields render as —.
Top executives
Executives who appear on this company's earnings calls in our corpus, with role and tenure sourced from SEC filings. Click any name for the full role timeline and call appearance history. Per-executive behavioral deviation metrics are available to research subscribers.
- Ralph J AndrettaCEO6 yr 9 mo23 callsCurrent
- Perry S BebermanCFO5 yr 4 mo22 callsCurrent
- Jonathan Bryan CampbellSVP, Chief Accounting Officer2 yr 9 mono recorded callsCurrent
- Allegra S DriscollEVP, Chief Technology Officer2 yr 10 mono recorded callsCurrent
- Valerie E GreerEVP, Chief Commercial Officer3 yr 4 mo1 callCurrent
- Tammy M McConnaugheyEVP, Operations & Credit Risk3 yr 9 mo2 callsCurrent
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
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
Frequently asked about BFH
Where can I find BREAD FINANCIAL HOLDINGS, INC.'s (BFH) earnings call transcripts?
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.
When was BREAD FINANCIAL HOLDINGS, INC.'s most recent earnings call?
BREAD FINANCIAL HOLDINGS, INC. (BFH) held its most recent earnings call on 2026-10-22, covering fiscal Q3 2026.
What sector is BFH in?
BREAD FINANCIAL HOLDINGS, INC. (BFH) operates in the Financial Services sector (Credit Services industry).