<div id="readability-page-1"><div><ul><li>Bread Financial Holdings Inc reported quarterly adjusted earnings of $3.96​​ per share for the quarter ended September 30, higher than the same quarter last year, when the company reported EPS of $1.83. The mean expectation of fifteen analysts for the quarter was for earnings of $2.10 per share. Wall Street expected results to range from $1.79 to $2.45 per share.</li><li>Revenue fell 1.2% to $971.00 million from a year ago; analysts expected $964.71 million. </li><li>Bread Financial Holdings Inc's reported EPS for the quarter was $3.96​.</li><li>The company reported quarterly net income of $188 million.</li><li>Bread Financial Holdings Inc shares had risen by 8.6% this quarter and lost 0.9% so far this year.</li></ul>FORECAST CHANGES<ul><li>The mean earnings estimate of analysts had risen by about 2.8% in the last three months.​ </li><li>In the last 30 days, five analysts negatively revised earnings estimates</li></ul>RECOMMENDATIONS<ul><li>The current average analyst rating on the shares is &#34;hold&#34; and the breakdown of recommendations is 6 &#34;strong buy&#34; or &#34;buy,&#34; 8 &#34;hold&#34; and 3 &#34;sell&#34; or &#34;strong sell.&#34; The average consensus recommendation for the consumer lending peer group is &#34;buy.&#34;</li><li>Wall Street's median 12-month price target for Bread Financial Holdings Inc is $66.00, about 7.7% above its last closing price of $60.93</li></ul>This summary was machine generated from LSEG data October 23 at 02:07 p.m. UTC. ​All figures in US dollars unless otherwise stated. (For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com)<div><table><tbody><tr><td>QUARTER ENDING</td><td>ESTIMATE </td><td>ACTUAL</td><td>BEAT, MET, MISSED</td></tr><tr><td>Sep. 30 2025 </td><td>2.10</td><td>3.96</td><td>Beat</td></tr><tr><td>Jun. 30 2025 </td><td>1.87</td><td>2.93</td><td>Beat</td></tr><tr><td>Mar. 31 2025 </td><td>2.25</td><td>2.78</td><td>Beat</td></tr><tr><td>Dec. 31 2024 </td><td>0.33</td><td>0.14</td><td>Missed</td></tr></tbody></table></div></div></div>

Bread Financial Holdings Inc reported adjusted earnings of $3.96 per share for the quarter ended September 30, significantly higher than last year's $1.83 and above analysts' expectations of $2.10. Revenue decreased by 1.2% to $971 million, slightly above the expected $964.71 million. The company’s net income was $188 million. Analysts' earnings estimates have risen by 2.8% over the last three months, with a current average rating of "hold". The median 12-month price target is $66.00, 7.7% above the last closing price of $60.93.

Bread Financial Holdings Inc reports results for the quarter ended September 30 - Earnings Summary