Q3 FY2026 · ended Sep 30, 2026 · Revenue $1.02B, +4.7% YoY · Filed Oct 27, 2026
Bread Financial Holdings, Inc. (BFH) files with the SEC under industry code 6141, Personal Credit Institutions. In Q3 of fiscal 2026, the quarter ended Sep 30, 2026, it reported revenue of $1.0 billion and net income of $156.0 million.
Revenue
$1.02B
+4.7% vs year-ago quarter
Net income
$156.00M
-17.0% vs year-ago quarter
Operating cash flow
$601.00M
-0.7% vs year-ago quarter
Free cash flow
—
EPS
$3.82
-3.5% vs year-ago quarter
Dividend per share
$0.23
+9.5% vs year-ago quarter
Shares outstanding
37.96M
-16.9% vs year-ago quarter
Net cash
$-763.00M
Q4 FY2025
Operating margin
—
Company profile
- Industry
- Personal Credit Institutions (SIC 6141)
- Listed as
- BFH (NYSE), BFH-PA (NYSE), BFH-PB (NYSE)
- Fiscal year ends
- December 31
- Incorporated in
- DE
- Headquarters
- Columbus, OH
- SEC filer status
- Large accelerated filer
- SEC CIK
- 1101215
- Former names
- ALLIANCE DATA SYSTEMS CORP (until Mar 23, 2022)
Other Personal Credit Institutions companies
- Affirm Holdings, Inc. AFRM
- OneMain Holdings, Inc. OMF
- Credit Acceptance Corp CACC
- Nelnet Inc NNI
- Enova International, Inc. ENVA
- SLM Corp SLM
- Happen, Inc. HAPN
- Atlanticus Holdings Corp ATLC
Key figures
Fiscal-year totals from the annual reports; switch to Annual for the full-year view. Balance sheet lines are as of each year end.
| Line | Q3 FY2026 Sep 30, 2026 |
Q2 FY2026 Jun 30, 2026 |
Q1 FY2026 Mar 31, 2026 |
Q4 FY2025 Dec 31, 2025 |
Q3 FY2025 Sep 30, 2025 |
|---|---|---|---|---|---|
| Revenue | $1.0B | $993.0M | $1.0B | $975.0M | $971.0M |
| Net income | $156.0M | $146.0M | $181.0M | $54.0M | $188.0M |
| Diluted EPS | $3.82 | $3.55 | $4.15 | $1.17 | $3.96 |
| Operating cash flow | $601.0M | $533.0M | $487.0M | $568.0M | $605.0M |
| Total assets | $23.3B | $22.5B | $22.3B | $22.7B | $21.7B |
| Total liabilities | $19.9B | $19.1B | $19.0B | $19.3B | $18.4B |
| Stockholders' equity | $3.4B | $3.4B | $3.3B | $3.3B | $3.3B |
| Cash and investments | $4.1B | $3.9B | $3.8B | $3.6B | $3.9B |
| Total debt | — | — | — | $4.4B | $3.8B |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 8-K |
Current report
Change to shareholder rights, Bylaw or fiscal year change, Other events
|
Nov 3, 2026 | Nov 2, 2026 |
| 8-K |
Current report
Other events
|
Oct 28, 2026 | Oct 27, 2026 |
| 8-K |
Current report
Other events
|
Oct 27, 2026 | Oct 27, 2026 |
| 10-Q | Quarterly report | Oct 27, 2026 | Sep 30, 2026 |
| 8-K |
Current report
Regulation FD disclosure
|
Oct 22, 2026 | Oct 22, 2026 |
| 8-K |
Current report
Results of operations, Regulation FD disclosure, Other events
|
Oct 22, 2026 | Oct 22, 2026 |
All 1002 Bread Financial Holdings, Inc. SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.