Filing Flows › Bread Financial Holdings (BFH) › Q3 2026 › vs Q2 2026
Bread Financial Holdings (BFH) Q3 2026 vs Q2 2026 (quarter over quarter)
Bread Financial Holdings's revenue rose $24.0M (+2%) from $993M in Q2 2026 to $1.0B in Q3 2026. Operating margin 20.6% against 19.8% (+0.7 pts).
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 draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 20.6% | 19.8% | +0.7 pts |
| Net margin | 15.3% | 14.7% | +0.6 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Revenue | $1.0B | $993M | $24.0M | +2% |
| Operating profit | $209M | $197M | $12.0M | +6% |
| Costs & expenses | $808M | $796M | $12.0M | +2% |
| Pre-tax earnings | $209M | $197M | $12.0M | +6% |
| Net earnings | $156M | $146M | $10.0M | +7% |
| Income tax | $53.0M | $51.0M | $2.0M | +4% |
| Depreciation & amortization | $18.0M | $18.0M | $0 | 0% |
| Share-based compensation | $15.0M | $16.0M | −$1.0M | -6% |
| Working capital & other | $412M | $353M | $59.0M | +17% |
| Operating cash flow | $601M | $533M | $68.0M | +13% |
Questions
How much did Bread Financial Holdings's revenue grow quarter over quarter in Q3 2026?
Bread Financial Holdings's revenue rose $24.0M (+2%) from $993M in Q2 2026 to $1.0B in Q3 2026. Operating margin 20.6% against 19.8% (+0.7 pts).