Bread Financial Reports Fourth Quarter and Full Year 2025 Results
Rhea-AI Summary
Bread Financial (NYSE: BFH) announced fourth quarter and full year 2025 financial results on January 29, 2026. Earnings materials are available on the company’s investor relations website.
Management will host a conference call at 8:30 a.m. ET on January 29, 2026; a live link and replay are available on the investor relations site.
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Negative
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Key Figures
Market Reality Check
Peers on Argus
BFH is down 1.8% while key peers show a mixed tape: ENVA up 1.03%, SEZL up 1.98%, LU down 1.11%, WU down 0.85%, QFIN up 0.12%. With no peers in momentum scanners, the setup looks company-specific rather than sector-driven into this earnings release.
Previous Earnings Reports
| Date | Event | Sentiment | Move | Catalyst |
|---|---|---|---|---|
| Oct 23 | Q3 2025 earnings | Positive | +8.1% | Third quarter 2025 financial results with full materials and conference call. |
| Jul 24 | Q2 2025 earnings | Negative | -5.0% | Second quarter 2025 results and earnings call details posted to IR site. |
| Apr 24 | Q1 2025 earnings | Positive | +2.2% | First quarter 2025 results with supporting materials and management call. |
| Jan 30 | FY & Q4 2024 earnings | Positive | +0.1% | Fourth quarter and full year 2024 results and scheduled earnings call. |
| Oct 24 | Q3 2024 earnings | Negative | -1.9% | Third quarter 2024 financial results and management conference call. |
Earnings releases over the last five quarters have produced mixed reactions, with an average absolute move of about 3.45%, indicating that results often act as a meaningful trading catalyst.
Across the last five earnings releases from Oct 2024 through Oct 2025, Bread Financial has followed a consistent pattern: posting results, directing investors to detailed materials on its IR site, and hosting an 8:30 a.m. ET call led by CEO Ralph Andretta and CFO Perry Beberman. Price reactions have varied, from a strong gain of 8.13% after Q3 2025 to modest moves near flat, underscoring that each earnings update has been a discrete catalyst rather than a guaranteed directional move.
Historical Comparison
In the last five earnings updates, BFH’s average one-day move was about 3.45%, with both strong gains and notable declines, framing today’s Q4/FY 2025 release within a historically active catalyst pattern.
The company has delivered a steady cadence of quarterly earnings from Q3 2024 through Q3 2025, making this Q4 and full-year 2025 report the next step in that ongoing financial reporting cycle.
Regulatory & Risk Context
BFH has an effective automatic shelf registration on Form S-3ASR filed on Nov 17, 2025, allowing it to issue preferred stock and related depositary shares over time for general corporate purposes, which can include liquidity, refinancing, funding operations, acquisitions, and security repurchases.
Market Pulse Summary
This announcement delivers Bread Financial’s Q4 and full-year 2025 results, continuing its established practice of posting materials to the investor relations site and hosting an 8:30 a.m. ET call. Historically, earnings have produced average one-day moves of about 3.45%, underscoring their importance as catalysts. Investors reviewing the details may weigh profitability, credit trends, and capital deployment alongside the company’s effective S-3ASR shelf and recent preferred stock issuance when assessing the longer-term risk–reward profile.
AI-generated analysis. Not financial advice.
COLUMBUS, Ohio, Jan. 29, 2026 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced its fourth quarter and full year 2025 financial results. All earnings-related materials are now available at the company’s investor relations website, here.
Bread Financial President and Chief Executive Officer Ralph Andretta and Chief Financial Officer Perry Beberman will host a conference call at 8:30 a.m. ET today to discuss results. A link to the conference call will be available at the company’s investor relations website, and a replay will also be available there following the call.
About Bread Financial®
Bread Financial® (NYSE: BFH) is a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers. Our payment solutions, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers.
Bread Financial proudly marks 30 years of success in 2026. To learn more about our global associates, our performance and our sustainability progress, visit breadfinancial.com or follow us on Instagram and LinkedIn.
Contacts
Brian Vereb — Investor Relations
Brian.Vereb@breadfinancial.com
Susan Haugen — Investor Relations
Susan.Haugen@breadfinancial.com
Rachel Stultz — Media
Rachel.Stultz@breadfinancial.com
FAQ
What did Bread Financial (BFH) announce on January 29, 2026 about Q4 and full year 2025 results?
When is the BFH conference call to discuss Q4 and full year 2025 results?
How can investors access Bread Financial (BFH) earnings materials and the January 29, 2026 call replay?
Who will present Bread Financial's (BFH) January 29, 2026 earnings call for Q4 and full year 2025?
Will Bread Financial (BFH) provide financial details like revenue and EPS for Q4 and full year 2025 in the January 29, 2026 disclosure?
