Bread Financial (BFH) Earnings Date, Estimates & Call Transcripts $44.82 -6.76 (-13.10%) Closing price 03:58 PM EasternExtended Trading$45.41 +0.59 (+1.31%) As of 05:00 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Earnings Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock Bread Financial Latest Earnings SummaryUpcoming Q1 Earnings DateApr. 24Before Market OpensEstimatedActual EPS (Jan. 30) $0.41 Beat By $0.07 Consensus EPS (Jan. 30) $0.34 Bread Financial issued Q4 2024 earnings on January 30, 2025, reporting an EPS of $0.41, which topped analysts' consensus estimates of $0.34 by $0.07. With a trailing EPS of $5.55 and a P/E Ratio of 8.08, Bread Financial's earnings are expected to grow 37.52% next year, from $6.45 to $8.87 per share. Conference CallConference Call TranscriptBFH Upcoming EarningsBread Financial's next earnings date is estimated for Thursday, April 24, 2025, based off prior year's reporting schedules. Get Bread Financial Earnings Alerts Want to stay updated on the latest earnings announcements and upcoming reports? Sign up for Earnings360's daily newsletter to receive timely earnings updates on Bread Financial and other key companies, straight to your inbox. Enter your email to sign up for newsletter Sign Up Skip Charts & View Estimated and Actual Earnings DataBFH Earnings Estimates and Actuals by QuarterEarnings Estimates and Acutals by Quarter Chart DescriptionThe chart below shows up to four years of a company's earnings history. The dark blue line represents the company's actual earnings per share. The light blue area represents the range of Wall Street analysts' earnings estimates for each quarter.BFH Estimated and Actual Revenue by QuarterEstimated Revenue and Actual Revenue by Quarter Chart DescriptionThe chart below shows up to four years of a company's revenue history. The dark blue line represents the company's actual revenue. The light blue line represents the company's estimated revenue based on the consensus of Wall Street analysts for each quarter. Remove Ads Bread Financial Analyst EPS EstimatesQuarterNumber of EstimatesLow EstimateHigh EstimateAverage EstimateQ1 20252$1.60$2.33$1.97Q2 20252$1.48$1.49$1.49Q3 20252$1.77$2.38$2.08Q4 20252$0.15$0.35$0.25FY 20258$5.00$6.55$5.78Q1 20261$1.27$1.27$1.27Q2 20261$2.16$2.16$2.16Q3 20261$1.87$1.87$1.87Q4 20261$2.15$2.15$2.15FY 20264$7.45$7.45$7.45 Remove Ads Bread Financial Earnings History by Quarter Custom Range 3 Months 6 Months Year-to-Date 1 Year 2 Years 3 Years 5 Years 10 Years Time Frame * Start Date * End Date Export to Excel DateQuarterConsensus EstimateReported EPSBeat/MissGAAP EPSRevenue EstimateActual RevenueDetails 4/24/2025(Estimated)-------1/30/2025Q4 2024$0.34$0.41+$0.07$0.14$963.04M-10/24/2024Q3 2024$1.86$1.83 -$0.03$3.63$981.26M$983.00M7/25/2024Q2 2024$1.60$2.66+$1.06$2.66$922.01M$939.00M4/25/2024Q1 2024$2.92$2.73 -$0.19$2.76$998.96M$991.00M1/25/2024Q4 2023-$0.67$0.90+$1.57$0.93$984.36M$1,000.00M10/26/2023Q3 2023$2.24$3.46+$1.22$3.50$996.07M$1.03B7/27/2023Q2 2023$0.23$1.27+$1.04$1.59$0.41M$952.00M4/27/2023Q1 2023$7.11$9.08+$1.97$9.08$1.06B$1.29B Bread Financial Earnings - Frequently Asked Questions When is Bread Financial's earnings date? Bread Financial has not confirmed its next earnings publication date, but the company's estimated earnings date is Thursday, April 24th, 2025 based off last year's report dates. Learn more on BFH's earnings history. Did Bread Financial beat their earnings estimates last quarter? In the previous quarter, Bread Financial (NYSE:BFH) reported $0.41 earnings per share (EPS) to beat the analysts' consensus estimate of $0.34 by $0.07. Learn more on analysts' earnings estimate vs. BFH's actual earnings. How can I listen to Bread Financial's earnings conference call? The conference call for Bread Financial's latest earnings report can be listened to online. Listen to Conference Call How can I read Bread Financial's conference call transcript? The conference call transcript for Bread Financial's latest earnings report can be read online. Read Transcript How much revenue does Bread Financial generate each year? Bread Financial (NYSE:BFH) has a recorded annual revenue of $3.84 billion. How much profit does Bread Financial generate each year? Bread Financial (NYSE:BFH) has a recorded net income of $277 million. BFH has generated $5.55 earnings per share over the last four quarters. What is Bread Financial's price-to-earnings ratio? Bread Financial (NYSE:BFH) has a trailing price-to-earnings ratio of 8.29 and a forward price-to-earnings ratio of 7.13. The price/earnings-to-growth ratio is 1.25. What is Bread Financial's EPS forecast for next year? Bread Financial's earnings are expected to grow from $6.45 per share to $8.87 per share in the next year, which is a 37.52% increase. 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