Filing Flows › Bread Financial Holdings (BFH) › Q2 2026
Bread Financial Holdings (BFH) Q2 2026 earnings results (second quarter 2026)
10-Q filed Jul 28, 2026
Bread Financial Holdings (BFH) reported revenue of $993M for the second quarter 2026 (Q2 2026), +7% from a year earlier and -2% from the quarter before. Operating margin was 19.8%, net earnings $146M (14.7% of revenue).
Bread Financial Holdings, Q2 2026: revenue $993M (+7% year over year), operating margin 19.8%, net earnings $146M, operating cash flow $533M. The chart follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $993M | -2% | +7% |
| Operating profit | $197M | -19% | +13% |
| Net earnings | $146M | -19% | +5% |
| Operating cash flow | $533M | +9% | +1% |
What changed
Revenue was $993.0M in Q2 2026, up 7% year over year and down 2% from the previous quarter.
Operating profit was $197.0M, a 19.8% margin (up 1.1 points year over year). Of the extra revenue versus Q2 2025, 36% reached operating profit, above the 19% margin then. Total costs grew 5% against revenue growth of 7%. Net earnings were $146.0M, up 5% year over year. The effective tax rate was 25.9%.
Operating cash flow was $533.0M (up 1% year over year), 365% of net earnings. Non-cash charges added back $18.0M of depreciation and amortization and $16.0M of share-based compensation. Working capital and other items added $353.0M.
Questions
What was Bread Financial Holdings' revenue in the second quarter 2026?
Bread Financial Holdings (BFH) reported revenue of $993M for the second quarter 2026 (Q2 2026), +7% from a year earlier and -2% from the quarter before.
Was Bread Financial Holdings profitable in the second quarter 2026?
Operating profit was $197M (19.8% of revenue) and net earnings $146M.