NYSE: BFH
BREAD FINANCIAL HOLDINGS, INC.CIK 0001101215 · Financials · SIC 6141 · Personal Credit Institutions
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BFH Q2 2026: Earnings rise on 11% credit sales growth, 78bp margin expansion, $135M preferred issued
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Bread Financial reports Q2 net income up 5% to $146M, raises full-year guidance
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Bread Financial reports 6.88% net loss rate, 5.25% delinquency in June credit update
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Bread Financial CCO Valerie Greer to retire after 6 years; Dennis McCarthy promoted to CRO
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Bread Financial issues May 2026 performance update under Regulation FD
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Bread Financial shareholders approve new employee stock plan, elect 9 directors at annual meeting
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Bread Financial issues mid-quarter performance update for period ending April 30, 2026
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Bread Financial raises capital with preferred stock offering, restricts common dividends
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Bread Financial prices $120M preferred stock offering at 8.875% dividend rate
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Bread Financial prices $120M perpetual preferred offering at $25/depositary share, 8.875% initial rate
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Bread Financial launches public offering of preferred stock depositary shares
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Bread Financial offers depositary shares representing Series B Preferred Stock with fixed-to-floating dividend rate; size and pricing terms not yet disclosed
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Bread Financial reports stronger credit metrics, faces $1.5B+ in LVI spinoff litigation
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Latest financial statements
From 10-Q filed Jul 28, 2026 (period ending Jun 30, 2026). SEC XBRL (companyfacts) — not generated by the model.
Consolidated Statements of Operations (Unaudited)
| Description | Q2 ended Jun 30, 2026 | Q2 ended Jun 30, 2025 |
|---|---|---|
| Operating expenses: | ||
| Sales and marketing | 36.0 | 34.0 |
| Income before income taxes | 197.0 | 174.0 |
| Income tax expense/(benefit) | 51.0 | 35.0 |
| Net income | 146.0 | 139.0 |
| Basic earnings per share | 3.62 | 2.97 |
| Diluted earnings per share | 3.55 | 2.94 |
Consolidated Balance Sheets (Unaudited)
| Description | Jun 30, 2026 | Jun 30, 2025 |
|---|---|---|
| Current assets: | ||
| Cash and equivalents | 3,683 | 3,799 |
| Property, plant and equipment, net | 104.0 | 127.0 |
| TOTAL ASSETS | 22,452 | 21,821 |
| Current liabilities: | ||
| Long-term debt | 4,227 | |
| Total liabilities | 19,087 | 18,655 |
| Shareholders' equity: | ||
| Common stock | — | 1.0 |
| Capital in excess of stated value | 1,603 | 1,929 |
| Accumulated other comprehensive income (loss) | (17.0) | (19.0) |
| Retained earnings (deficit) | 1,779 | 1,255 |
| Total shareholders' equity | 3,365 | 3,166 |
| TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY | 22,452 | 21,821 |
Consolidated Statements of Cash Flows (Unaudited)
| Description | Six months ended Jun 30, 2026 | Six months ended Jun 30, 2025 |
|---|---|---|
| Operating Activities: | ||
| Net cash from operating activities | 1,020 | 919.0 |
| Investing Activities: | ||
| Net cash from investing activities | (355.0) | 470.0 |
| Financing Activities: | ||
| Net cash from financing activities | (534.0) | (1,285) |
| Net increase/(decrease) in cash | 131.0 | 104.0 |
Amounts in millions USD; EPS as reported. Line labels are presentation-friendly mappings of filer XBRL tags — not a re-audit of the full statements. Use EDGAR for interactive notes and detail. Interactive statements & notes on EDGAR ↗