Bread Financial Holdings Inc

BFH: XNYS (USA)

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Bread Earnings: Decent Results as Improved Credit Conditions Offset Shrinking Loan Portfolio

Michael Miller

Jul 24, 2025

Bread reported solid second-quarter results thanks to lower credit losses. Net revenue fell 1% from last year to $929 million, while diluted EPS rose 11% to $2.94, inclusive of $0.21 worth of debt repurchase costs. These results translate to a return on tangible common equity of 22.7%.

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Bread Financial Holdings Inc

Bread Earnings: Decent Results as Improved Credit Conditions Offset Shrinking Loan Portfolio

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