Filing Flows › Bread Financial Holdings (BFH) › Q3 2026 › vs Q3 2025
Bread Financial Holdings (BFH) Q3 2026 vs Q3 2025 (year over year)
Bread Financial Holdings's revenue rose $46.0M (+5%) from $971M in Q3 2025 to $1.0B in Q3 2026. Operating margin 20.6% against 20.2% (+0.4 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 20.6% | 20.2% | +0.4 pts |
| Net margin | 15.3% | 19.4% | -4.0 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $1.0B | $971M | $46.0M | +5% |
| Operating profit | $209M | $196M | $13.0M | +7% |
| Costs & expenses | $808M | $775M | $33.0M | +4% |
| Pre-tax earnings | $209M | $196M | $13.0M | +7% |
| Net earnings | $156M | $188M | −$32.0M | -17% |
| Income tax | $53.0M | $8.0M | $45.0M | +562% |
| Depreciation & amortization | $18.0M | $19.0M | −$1.0M | -5% |
| Share-based compensation | $15.0M | $13.0M | $2.0M | +15% |
| Working capital & other | $412M | $385M | $27.0M | +7% |
| Operating cash flow | $601M | $605M | −$4.0M | -0.7% |
Questions
How much did Bread Financial Holdings's revenue grow year over year in Q3 2026?
Bread Financial Holdings's revenue rose $46.0M (+5%) from $971M in Q3 2025 to $1.0B in Q3 2026. Operating margin 20.6% against 20.2% (+0.4 pts).