Bread Financial Schedules Fourth Quarter and Full Year 2025 Earnings Conference Call for Jan. 29
Rhea-AI Summary
Bread Financial (NYSE: BFH) will host its fourth quarter and full year 2025 earnings conference call on Jan. 29, 2026 at 8:30 a.m. ET.
Participants can register in advance and join via webcast on the company investor relations website. Analysts wishing to ask questions should register ahead of time. Several slides will accompany the webcast, and the presentation will be archived on the investor relations site. Attendees are advised to access the webcast at least 15 minutes before the call to register and install any required software.
Positive
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Negative
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News Market Reaction 1 Alert
On the day this news was published, BFH gained 5.19%, reflecting a notable positive market reaction.
Data tracked by StockTitan Argus on the day of publication.
Key Figures
Market Reality Check
Peers on Argus
BFH was up 1.33% pre-announcement, while key peers ENVA, SEZL, LU, WU and QFIN also showed gains between 1.37% and 5.74%, indicating broadly positive credit services sentiment without flagged momentum-cluster activity.
Historical Context
| Date | Event | Sentiment | Move | Catalyst |
|---|---|---|---|---|
| Dec 10 | Performance update | Positive | +0.5% | November 2025 credit metrics and loss data update for investors. |
| Dec 03 | Conference appearance | Neutral | +2.7% | Participation in Goldman Sachs 2025 Financial Services Conference. |
| Nov 20 | Preferred offering pricing | Negative | -1.1% | Pricing of Series A preferred depositary share offering and use of proceeds. |
| Nov 20 | Preferred offering launch | Negative | -1.1% | Launch of underwritten public offering of Series A preferred depositary shares. |
| Nov 13 | Performance update | Positive | -3.3% | October 2025 update with modest improvement in credit metrics. |
Recent news saw modest price moves: operating updates and conference participation produced small reactions, while a preferred stock offering coincided with mild share weakness and one performance update selloff.
Over the past few months, BFH has issued several operating updates and capital markets actions. Performance updates for October and November 2025 highlighted large loan balances and evolving loss and delinquency metrics, with mixed share reactions. In November 2025, BFH launched and priced a Series A preferred stock offering with net proceeds in the $70M+ range, which coincided with slightly negative price moves. Participation in a major financial services conference in December 2025 drew a modestly positive reaction. Today’s earnings call scheduling continues a pattern of regular investor communication.
Regulatory & Risk Context
BFH has an effective automatic shelf registration on Form S-3ASR dated 2025-11-17, allowing issuance of preferred stock and depositary shares over time. The shelf is effective through 2028-11-17 and has been used at least 2 times recently via 424B5 offerings, with proceeds earmarked for general corporate purposes, including liquidity, debt refinancing, operations, acquisitions and potential security repurchases.
Market Pulse Summary
The stock moved +5.2% in the session following this news. A strong positive reaction aligns with BFH’s established pattern of modest moves around earnings-call scheduling, as past “conferences,earnings” notices saw an average change of 1.89%. The company’s active Form S-3ASR shelf and recent preferred offerings highlight ongoing capital flexibility, which could influence how sustainable any sharp upside proves once full Q4 and 2025 results are released.
AI-generated analysis. Not financial advice.
COLUMBUS, Ohio, Jan. 06, 2026 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions will host a conference call on Thursday, Jan. 29, 2026, at 8:30 a.m. ET to discuss the company’s fourth quarter and full year 2025 results.
Conference Call/Webcast Information
Participants can register in advance here, and the conference call will be available at the company’s investor relations website. Analysts planning to participate in the Q&A can register in advance here. Additionally, there will be several slides accompanying the webcast. Please go to the website at least 15 minutes prior to the call to register, as well as download and install any necessary software. The webcast will also be archived on the investor relations website.
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
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