Bread Financial Holdings, Inc.(BFH)Earnings Date, History & Expected Move
Next report date, beat rate and options-implied move
BFH has no upcoming report date in the calendar yet. It last reported on Oct 21, 2026; companies usually report every three months.
EPS: Actual vs Estimate
Reported EPS against the consensus estimate, last 12 quarters.
Green beat or met, red missed, amber sources differ.
Stock Reaction After Earnings
Close-to-close move in the first session that reflected each report.
Dashed lines mark the average actual move (±4.2%).
Did the stock rise after good news?
The next-day move after each of its last 9 EPS beats and 2 misses.
In plain words: it beat expectations 9 times, but the stock still fell 2 of those 9 times.
- Oct '26Beat▼ -5.7%
- Jul '26Beat▲ +1.7%
- Jan '26Beat▲ +7.1%
- Oct '25Beat▲ +8.1%
- Jul '25Beat▼ -5.0%
- Apr '25Beat▲ +2.2%
- Jan '25Beat▲ +0.1%
- Oct '24Missed▼ -1.9%
- Jul '24Beat▲ +4.0%
- Apr '24Missed▲ +3.2%
- Jan '24Beat▲ +7.0%
Clear beats and misses with a known reaction only. What counts as a beat
Why did BFH fall after beating earnings?
3 of BFH's last 11 reactions went against the EPS result. What stands out in each:
BFH beat EPS estimates in 9 quarters, and the stock still closed lower the next day 2 times.
- Oct 21, 2026EPS beat +18.9%stock -5.7% next day
- It had risen 9.5% in the 20 trading sessions before the report, so good news may already have been priced in.
- Revenue came in 0.5% below estimates even though EPS beat.
- It opened 2.0% lower as soon as trading resumed.
- Jul 24, 2025EPS beat +61.9%stock -5.0% next day
- It had risen 15.0% in the 20 trading sessions before the report, so good news may already have been priced in.
- It opened 2.0% lower as soon as trading resumed.
Rose despite an EPS miss (1 of 2)
- Apr 24, 2024EPS missed -8.1%stock +3.2% next day
Nothing in the price and estimate numbers we track stands out for this one. Guidance and management comments are not part of our data.
Patterns in estimates and prices, not confirmed causes: how we read them.
Was BFH's earnings move already priced in?
BFH's move in the month before each of its last 11 reports, against what it did after.
How the run-up is measured (a move of 5% or more counts as large).
Before vs after each report
Grey: the month before each of the last 11 reports. Green or red: the day after.
Past reports only. How the run-up is measured
Does BFH hold its opening gap after earnings?
BFH's opening move after each report and where it closed that day.
In 10 reports BFH opened at least 1% away from the previous close. It gave back half or more of that gap by the close 4 of 10 times (40%), and fully reversed 4 times. Gaps up faded 0 of 4; gaps down recovered 4 of 6.
- Oct 21, 2026HeldOpened -2.0%, closed -5.7%
- Jul 22, 2026ReversedOpened -1.3%, closed +1.7%
- Jan 29, 2026HeldOpened +3.5%, closed +7.1%
- Oct 23, 2025HeldOpened +2.9%, closed +8.1%
- Jul 24, 2025HeldOpened -2.0%, closed -5.0%
- Apr 24, 2025HeldOpened +4.3%, closed +2.2%
- Jan 30, 2025ReversedOpened -1.0%, closed +0.1%
- Jul 25, 2024HeldOpened +4.0%, closed +4.0%
What the history says
- BFH has beaten EPS estimates in 8 straight quarters.
BFH earnings history
Last 12 reported quarters with the stock's reaction.
Swipe sideways to see every column →
| Report date | Time | EPS est. | EPS actual | Surprise | Revenue surprise | 1-day move | 3-day move |
|---|---|---|---|---|---|---|---|
| Oct 21, 2026 | After close | $3.23 | $3.84 | +18.9% | -0.5% | -5.69% | — |
| Jul 22, 2026 | After close | $2.77 | $3.55 | +28.2% | — | +1.68% | +4.16% |
| Apr 23, 2026 | Before open | $3.05 | $4.18 | +37.0% | — | — | — |
| Jan 29, 2026 | Before open | $0.48 | $2.07 | +331.3% | — | +7.08% | +7.11% |
| Oct 23, 2025 | Before open | $2.11 | $4.02 | +90.5% | — | +8.13% | +9.45% |
| Jul 24, 2025 | Before open | $1.94 | $3.14 | +61.9% | — | -4.98% | -0.28% |
| Apr 24, 2025 | Before open | $2.23 | $2.90 | +30.0% | — | +2.17% | +0.58% |
| Jan 30, 2025 | Before open | $0.32 | $0.41 | +28.1% | — | +0.09% | -0.82% |
| Oct 24, 2024 | Before open | $1.95 | $1.84 | -5.6% | — | -1.86% | +0.47% |
| Jul 25, 2024 | Before open | $1.64 | $2.66 | +62.2% | — | +4.00% | +5.53% |
| Apr 24, 2024 | After close | $2.97 | $2.73 | -8.1% | — | +3.15% | +6.98% |
| Jan 25, 2024 | Before open | -$0.83 | $0.90 | +208.4% | — | +6.98% | +18.79% |
BFH Earnings FAQ
Answers computed from Bread Financial Holdings, Inc.'s reported history
BFH has no upcoming report date in the calendar yet. It last reported on Oct 21, 2026; companies usually report every three months.
Over the last 12 quarters with a usable EPS surprise, BFH beat the consensus estimate 10 times (83%), missed 2 and landed in line 0. It has beaten estimates in each of the last 8 counted quarters.
Across its last 11 quarters with a measured reaction, BFH moved an average of ±4.2% in the first session after reporting. It closed higher 73% of the time; the largest gain was 8.1% and the largest drop -5.7%.
BFH fell in the first session after 2 of its last 9 EPS beats (22%). A beat that was already priced in, or weaker guidance, can send a stock lower.
Across its last 11 quarters with price data, BFH moved an average of +1.9% in the 20 trading sessions before reporting and was higher in 46% of them. After a run-up of 3% or more (4 quarters), it fell the next day 75% of the time, averaging -2.1%. After a drop of 3% or more (4 quarters), it rose the next day 100% of the time, averaging +4.8%. This describes past reports; it is not a forecast.
In 10 reports BFH opened at least 1% away from the previous close. It gave back half or more of that gap by the close 4 of 10 times (40%), and fully reversed 4 times. A fade means the opening move was partly undone during the first session.
How we calculate these numbers · BFH: 12 reported quarters, latest Oct 21, 2026. Information only, not investment advice.
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