BREAD FINANCIAL HOLDINGS, INC. Q2 2026: Revenue $993M, EPS $3.55— 10-Q Summary
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Bread Financial Holdings, Inc. reported second-quarter 2026 results with revenue of $993M and net income available to common stockholders of $144M; diluted EPS was $3.55, all reflecting year‑over‑year improvement driven by credit sales growth and improved operational metrics.
Financial Highlights
- Revenue was $993M total net interest and non‑interest income for Q2 2026, up from $929M in the year‑ago quarter; YoY change 7%.
- Net income was $144M available to common stockholders for Q2 2026, versus $139M in the year‑ago quarter; YoY change 4%.
- Diluted EPS was $3.55 for Q2 2026, up from $2.94 in the year‑ago quarter; YoY change 21%.
Business Highlights
- Credit sales grew 11% YoY to $7.5B, supporting the 7% increase in total net interest and non‑interest income for the quarter.
- Continued shift toward co‑brand cards and Bread Pay installment products improved the risk mix and transactor balances.
- Added new large and SMB brand partners, expanding interchange revenue and partner relationships across retail verticals.
- Operational performance improved with better delinquency and payment rates, lower billed late fees, and modest expense control leading to positive operating leverage.
- Direct‑to‑consumer deposits rose 16% to $9.4B, boosting stable retail funding and supporting loan growth.
Original SEC Filing: BREAD FINANCIAL HOLDINGS, INC. [ BFH ] - 10-Q - Jul. 27, 2026
This is an AI-powered summary. It may contain inaccuracies. Consider verifying important information with the source. Please note this summary is solely based on documents filed with the SEC.