Bread Financial Reports Second Quarter 2026 Results

Bread Financial (NYSE: BFH) announced that its second quarter 2026 financial results are available on its investor relations website as of July 23, 2026.

Rhea-AI Summary

Bread Financial (NYSE: BFH) announced that its second quarter 2026 financial results are available on its investor relations website as of July 23, 2026. Earnings-related materials, including detailed financial information, can be accessed online.

President and CEO Ralph Andretta and CFO Perry Beberman will host a conference call at 8:30 a.m. ET today to discuss the results, with live access and replay links provided via the investor relations site. Bread Financial highlights its tech-forward payment, lending and savings solutions for U.S. consumers and notes it is marking 30 years of success in 2026.

Argus Jul 23 session 1 alert

+1.68% close to close 0.0x rel. volume Open Argus

Details

News Market Reaction – BFH

$4.11B Market Cap

In the Jul 23 session, BFH gained 1.68%, reflecting a mild positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

Market Context

Recent insider context was Net Selling across the supplied 90-day window. That record adds context t...

Analysis

Recent insider context was Net Selling across the supplied 90-day window. That record adds context to this results announcement, whose article contains no financial metrics. The active S-3ASR shelf, effective through Nov 17, 2028, is an additional financing consideration.

Key Figures

Reporting period: second quarter 2026 Publication date: July 23, 2026 Conference call time: 8:30 a.m. ET +2 more

Reporting period

second quarter 2026

Financial results announcement

Publication date

July 23, 2026

Results announcement date

Conference call time

8:30 a.m. ET

Call scheduled for July 23, 2026

Company history

30 years

Bread Financial anniversary in 2026

Customer reach

millions of U.S. consumers

Company description

Previous Earnings Reports

5 past events · Latest: Apr 23

Same Type 5 events

1. Apr 23

   1Q26 earnings report

   24h Move

   -0.3%

   Company announced first-quarter 2026 results and posted earnings materials online.

2. Jan 29

   4Q25 earnings report

   24h Move

   +7.1%

   Company announced fourth-quarter and full-year 2025 results with materials online.

3. Oct 23

   3Q25 earnings report

   24h Move

   +8.1%

   Company announced third-quarter 2025 results and provided investor-relations materials.

4. Jul 24

   2Q25 earnings report

   24h Move

   -5.0%

   Company announced second-quarter 2025 results and posted earnings materials online.

5. Apr 24

   1Q25 earnings report

   24h Move

   +2.2%

   Company announced first-quarter 2025 results with earnings materials online.

24h Move is the share-price change in the day after each event; other market factors may also have contributed.

Key Terms

private label credit cards, pay-over-time products

2 terms

private label credit cards financial

"our co-brand and private label credit cards and pay-over-time products"

Private label credit cards are store-branded charge or credit accounts issued for use mainly at a single retailer or a group of related stores, similar to a loyalty card that also lets customers borrow money. They matter to investors because they can boost sales, keep shoppers loyal, and create a steady stream of fee and interest income — but they also concentrate credit risk and require investment in customer financing and data systems.

pay-over-time products financial

"private label credit cards and pay-over-time products providing choice and value"

Payment options that let a buyer split a purchase into multiple scheduled payments instead of paying the full amount upfront, including fixed-term installment plans, buy-now-pay-later arrangements, and short-term revolving credit. They act like splitting a restaurant bill among friends over time. Investors care because these products change how quickly merchants collect cash, create new fee and interest revenue streams, and introduce credit and regulatory risks that can affect company earnings and balance sheets.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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COLUMBUS, Ohio, July 23, 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 second quarter 2026 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 deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, technology, electronics, jewelry, home and specialty apparel through our co-brand and private label credit cards and pay-over-time products providing choice and value to our shared customers. Additionally, we offer Bread Financial general purpose credit cards and saving products that empower our customers and their passions for a better life.   
  
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

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

Where can investors find Bread Financial (BFH) Q2 2026 earnings results?

Bread Financial’s Q2 2026 earnings materials are available on the company’s investor relations website. According to Bread Financial, all earnings-related documents and details can be accessed online, including information supporting the second quarter 2026 financial results and related disclosures for NYSE: BFH shareholders.

When is the Bread Financial (BFH) Q2 2026 earnings conference call?

Bread Financial will host its Q2 2026 earnings conference call at 8:30 a.m. ET on July 23, 2026. According to Bread Financial, investors can access the live call and a replay afterward through links on the company’s investor relations website.

How can I listen to the Bread Financial (BFH) Q2 2026 earnings call replay?

A replay of the Bread Financial Q2 2026 earnings call will be available on the company’s investor relations website. According to Bread Financial, investors can access the replay via a dedicated link following the completion of the 8:30 a.m. ET conference call.

What business does Bread Financial (NYSE: BFH) highlight in its Q2 2026 update?

Bread Financial describes itself as a tech-forward financial services company offering payment, lending and saving solutions. According to Bread Financial, it supports major consumer brands with co-brand and private label credit cards, pay-over-time products, general purpose credit cards and savings products for U.S. consumers.

What consumer sectors does Bread Financial (BFH) serve with its payment solutions?

Bread Financial’s payment solutions support brands in travel and entertainment, health and beauty, technology, electronics, jewelry, home and specialty apparel. According to Bread Financial, these co-brand and private label credit products aim to deliver growth for partners and value for shared customers across these categories.

How long has Bread Financial (BFH) been operating as of 2026?

Bread Financial marks 30 years of success in 2026. According to Bread Financial, the company is using this milestone year to highlight its long-term performance, its global associates and its progress on sustainability, as referenced in its corporate and investor-facing materials online.

Who are the key executives on the Bread Financial (BFH) Q2 2026 earnings call?

The Q2 2026 earnings call will be hosted by President and CEO Ralph Andretta and CFO Perry Beberman. According to Bread Financial, these executives will discuss the quarter’s financial results and related business developments during the 8:30 a.m. ET conference call for investors.