Filing Flows › Bread Financial Holdings (BFH) › Guidance history
Bread Financial Holdings (BFH) guidance history: what it guided and what it reported
Bread Financial Holdings gave guidance in 12 earnings releases on file since Jan 25, 2024. Of 1 guided period since reported, it met or beat its own guidance once (100%). Tax rate: 1 of 1, on average -4.1 pts against the guided midpoint. Its releases raised guidance twice and lowered it 4 times.
Tax rate
Met or beat 1 of 1 periods (0 above, 0 within, 1 below).
| Period | Guided (and how it moved) | Reported | Result | vs midpoint |
|---|---|---|---|---|
| FY2025 | 19.0%–20.0% (Oct 23, 2025) | 15.4% | below the range | -4.1 pts |
Adjusted tax rate
The guide is on an adjusted basis that the GAAP statements do not show, so there is no reported figure to hold it to.
| Period | Guided (and how it moved) | Reported | Result | vs midpoint |
|---|---|---|---|---|
| FY2027 | 25.0%–27.0% (Apr 23, 2026) → reaffirmed 25.0%–27.0% (Jul 23, 2026) → reaffirmed 25.0%–27.0% (Oct 22, 2026) | — | to be reported | — |
| FY2026 | 25.0%–26.0% (Jan 30, 2025) → reaffirmed 25.0%–26.0% (Apr 24, 2025) → raised 25.0%–27.0% (Jan 29, 2026) | — | to be reported | — |
| FY2025 | 25.0%–26.0% (Jul 25, 2024) → reaffirmed 25.0%–26.0% (Oct 24, 2024) → reaffirmed 25.0%–26.0% (Jul 24, 2025) | — | — | — |
| FY2024 | 25.0%–26.0% (Jan 25, 2024) → raised 27.0%–30.0% (Apr 25, 2024) | — | — | — |
Net interest margin
This line is not in the statements Filing Flows reads, so there is no reported figure to hold it to.
| Period | Guided (and how it moved) | Reported | Result | vs midpoint |
|---|---|---|---|---|
| Q4 2025 | 18.1% (Apr 24, 2025) | — | — | — |
The latest quarter
Bread Financial Holdings, Q3 2026: revenue $1.0B (+5% year over year), operating margin 20.6%, net earnings $156M, operating cash flow $601M. The chart follows the revenue to costs, profit and cash.
Questions
Does Bread Financial Holdings beat its guidance?
Bread Financial Holdings gave guidance in 12 earnings releases on file since Jan 25, 2024. Of 1 guided period since reported, it met or beat its own guidance once (100%). Tax rate: 1 of 1, on average -4.1 pts against the guided midpoint.
How often does Bread Financial Holdings raise guidance?
Its earnings releases raised guidance twice and lowered it 4 times since Jan 25, 2024.
Each guided period is held to the last guidance given before its figures were reported; a single figure counts as in line within 1% (0.25 pts for a rate). Reported figures are GAAP, from the company's filings; adjusted guidance shows its moves only.