Short answer
BREAD FINANCIAL HOLDINGS, INC. (BFH) filed its Q2 2026 10-Q quarterly report on Jul 28, 2026 for the quarter ended Jun 30, 2026. Quarterly revenue was $992M (up 6.8% year over year) with net income of $147M.
Q2 2026 key financials · XBRL
- Revenue
- $992M
- +6.8% YoY · −2.6% QoQ
- Net income
- $147M
- +6.5% YoY · −18.8% QoQ
- EPS (diluted)
- $3.57
- +21.8% YoY · −14.0% QoQ
Source: XBRL data from the BREAD FINANCIAL HOLDINGS, INC. (BFH) Q2 2026 10-Q on SEC EDGAR. USD.
BREAD FINANCIAL HOLDINGS, INC. Q2 2026 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Quarterly revenue $993M, up 7% YoY from $929M
- Net interest margin 18.49% vs 17.71%; efficiency ratio 48.6% vs 51.8%
- Credit sales $7.537B, up 11% YoY; loans $18.197B, up 3%
- DTC deposits $9.357B, up 16%; $241M common-stock repurchases and $135M preferred issuance
- 2026 outlook: loans and revenue up low- to mid-single digits; net principal loss rate 7.0%–7.1%
Risk Factors
- No material changes to 2025 Form 10-K risk factors disclosed
- Additional unidentified risks potentially becoming material and adversely affecting business
- Business-environment trends and uncertainties referenced in MD&A
- Preferred-stock exposure: 8.875% Series B non-cumulative perpetual preferred stock filed May 12, 2026
- Share-repurchase liquidity: $449 million remaining under repurchase plans at June 30, 2026
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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