Filing Flows › Bread Financial Holdings (BFH) › Q2 2026 › vs Q2 2025
Bread Financial Holdings (BFH) Q2 2026 vs Q2 2025 (year over year)
Bread Financial Holdings's revenue rose $64.0M (+7%) from $929M in Q2 2025 to $993M in Q2 2026. Operating margin 19.8% against 18.7% (+1.1 pts).
Bread Financial Holdings, Q2 2026: revenue $993M (+7% year over year), operating margin 19.8%, net earnings $146M, operating cash flow $533M. The chart draws each line against Q2 2025, the increases inside each band.
Margins
| Q2 2026 | Q2 2025 | Change | |
|---|---|---|---|
| Operating margin | 19.8% | 18.7% | +1.1 pts |
| Net margin | 14.7% | 15.0% | -0.3 pts |
Every line
| Line | Q2 2026 | Q2 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $993M | $929M | $64.0M | +7% |
| Operating profit | $197M | $174M | $23.0M | +13% |
| Costs & expenses | $796M | $755M | $41.0M | +5% |
| Pre-tax earnings | $197M | $174M | $23.0M | +13% |
| Net earnings | $146M | $139M | $7.0M | +5% |
| Income tax | $51.0M | $35.0M | $16.0M | +46% |
| Depreciation & amortization | $18.0M | $21.0M | −$3.0M | -14% |
| Share-based compensation | $16.0M | $15.0M | $1.0M | +7% |
| Working capital & other | $353M | $351M | $2.0M | +0.6% |
| Operating cash flow | $533M | $526M | $7.0M | +1% |
Questions
How much did Bread Financial Holdings's revenue grow year over year in Q2 2026?
Bread Financial Holdings's revenue rose $64.0M (+7%) from $929M in Q2 2025 to $993M in Q2 2026. Operating margin 19.8% against 18.7% (+1.1 pts).