B BFH

Bread Financial Holdings Inc

$73.02

-0.75% ($0.55)

Volume 771,332

52W High $82.03

52W Low $38.21

Market Cap $3.36B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$2.97

Whisper EPS

$3.42

15.0% above consensus

Last Quarter

$2.07

Current Streak

5 Beats

Avg Surprise (4Q)

+166.51%

Next Earnings Report

Reports in 16 days

Report Date Apr 23, 2026

Time BMO

Whisper Spread +15.00%

Consensus Estimate

$2.97

Official analyst average

Whisper Number

$3.42

What traders expect

Bullish Sentiment: The whisper number is 15.0% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q4 2025 Jan 29, 2026

1-Day: -0.67%

5-Day: +3.25%

Q3 2025 Oct 30, 2025

1-Day: +1.20%

5-Day: +1.08%

Q2 2025 Jul 24, 2025

1-Day: +3.72%

5-Day: +2.92%

Q1 2025 Apr 24, 2025

1-Day: -0.04%

5-Day: -0.96%

Revenue & Financial Performance

Revenue Whisper

$1.28B

TWN Proprietary Estimate

Last Quarter Revenue

$1.17B

+1.6% YoY

Gross Margin

83.1%

Net Margin: 4.5%

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$1.17B	+1.6%	83.1%	4.0%	$53.0M
Q3'25	$1.18B	-3.4%	56.9%	16.6%	$188.0M
Q2'25	$1.15B	-2.6%	57.0%	15.1%	$139.0M
Q1'25	$1.20B	-3.6%	56.4%	16.5%	$138.0M
Q4'24	$1.16B	-7.9%	43.9%	-2.3%	$7.0M
Q3'24	$1.22B	-2.2%	50.2%	3.3%	$2.0M
Q2'24	$1.18B	+2.0%	55.0%	15.3%	$133.0M
Q1'24	$1.24B	-3.9%	54.1%	15.2%	$134.0M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q4 2025	Jan 29, 2026	$0.35	$0.41	$2.07	--	Beat
Q3 2025	Oct 30, 2025	$2.20	$2.50	$4.02	+82.73%	Beat
Q2 2025	Jul 24, 2025	$1.94	$2.19	$3.14	+61.86%	Beat
Q1 2025	Apr 24, 2025	$2.23	$2.38	$2.90	+30.04%	Beat
Q4 2024	Jan 30, 2025	$0.32	$0.37	$0.41	+28.12%	Beat
Q3 2024	Oct 24, 2024	$1.95	$2.24	$1.84	-5.64%	Missed
Q2 2024	Jul 25, 2024	$1.77	$2.04	$2.66	+50.28%	Beat
Q1 2024	Apr 25, 2024	$3.02	$3.47	$2.70	-10.60%	Missed
Q4 2023	Jan 25, 2024	-$0.88	-$0.88	$0.90	--	Beat
Q3 2023	Oct 26, 2023	$2.32	$2.67	$3.46	+49.14%	Beat
Q2 2023	Jul 27, 2023	$0.15	$0.15	$1.27	--	Beat
Q1 2023	Apr 27, 2023	$6.87	$6.33	$9.08	+32.17%	Beat