Bread Financial Holdings Inc

BFH: XNYS (USA)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
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Bread Earnings: Net Income Jumps on Improved Credit Costs and Net Interest Margin Expansion

Michael Miller

Apr 23, 2026

Bread reported a strong start to 2026 with higher net interest income and lower credit costs. Net revenue rose 5% from last year to $1.02 billion. Thanks to operating leverage and lower share count, diluted earnings per share rose 50% to $4.15, which translates to a 21.2% return on equity.

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Bread Financial Holdings Inc

Bread Earnings: Net Income Jumps on Improved Credit Costs and Net Interest Margin Expansion

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