Filing Flows › Bread Financial Holdings (BFH) › Q3 2026
Bread Financial Holdings (BFH) Q3 2026 earnings results (third quarter 2026)
10-Q filed Oct 27, 2026
Bread Financial Holdings (BFH) reported revenue of $1.0B for the third quarter 2026 (Q3 2026), +5% from a year earlier and +2% from the quarter before. Operating margin was 20.6%, net earnings $156M (15.3% of revenue).
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.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.0B | +2% | +5% |
| Operating profit | $209M | +6% | +7% |
| Net earnings | $156M | +7% | -17% |
| Operating cash flow | $601M | +13% | -0.7% |
What changed
Revenue was $1.0B in Q3 2026, up 5% year over year and up 2% from the previous quarter.
Operating profit was $0.21B, a 20.6% margin (up 0.4 points year over year). Of the extra revenue versus Q3 2025, 28% reached operating profit, above the 20% margin then. Total costs grew 4% against revenue growth of 5%. Net earnings were $0.16B, down 17% year over year. The effective tax rate was 25.4%.
Operating cash flow was $0.60B (down 1% year over year), 385% of net earnings. Non-cash charges added back $0.02B of depreciation and amortization and $0.01B of share-based compensation. Working capital and other items added $0.41B.
Questions
What was Bread Financial Holdings' revenue in the third quarter 2026?
Bread Financial Holdings (BFH) reported revenue of $1.0B for the third quarter 2026 (Q3 2026), +5% from a year earlier and +2% from the quarter before.
Was Bread Financial Holdings profitable in the third quarter 2026?
Operating profit was $209M (20.6% of revenue) and net earnings $156M.