Bread Financial stock gains 1.15 percent after credit losses improve
Published on 10/04/2026 at 10:47 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS
Bread Financial (ISIN US0185811082) was last trading at USD 98.05 on the NYSE on October 2, 2026, up 1.15 percent from USD 96.94. The latest operating data show average credit card and other loans at USD 18.588 billion in August, up 5.6 percent from a year earlier.
Credit losses improve in August
According to Bread Financial in its September 15, 2026 release, the August net principal loss rate was 6.40 percent, down from 7.57 percent in August 2025. The delinquency rate also declined to 5.36 percent from 5.84 percent, while end-of-period loans reached USD 18.730 billion compared with USD 17.657 billion a year earlier.
The comparison matters because credit performance is central to the earnings profile of a consumer lender. Bread Financial reported USD 101 million in net principal losses for August, versus USD 113 million in the same month of 2025, even as average loans expanded.
Second-quarter earnings beat estimates
MarketBeat reported on September 25, 2026, that Bread Financial delivered USD 3.55 in second-quarter EPS against a USD 2.74 consensus estimate. Quarterly revenue was USD 993.0 million, up 6.9 percent year over year and above the USD 959.32 million estimate.
The company also entered the third quarter with a stronger credit trend than a year earlier. Q2 net income reached USD 146 million, while diluted EPS increased from USD 3.15 in the comparable prior-year quarter to USD 3.55, according to the same September 25, 2026 report.
Consensus target remains above price
MarketBeat listed a Moderate Buy consensus from 16 analysts on September 25, 2026, comprising eight buy ratings, one strong-buy rating, six hold ratings and one sell rating. The average 12-month target was USD 112.29, which places the target 14.5 percent above the October 2, 2026 price of USD 98.05.
The gap leaves credit quality as the key operating checkpoint. Loan growth supports revenue, but a renewed rise in delinquencies or losses would put pressure on the earnings improvement investors are currently valuing.
Bread Financial stock stays below yearly high
Bread Financial stock was last trading at USD 98.05 on the NYSE on October 2, 2026, with a 52-week range of USD 53.83 to USD 114.53 and volume of 445,559 shares. Market capitalization stood at USD 4.0 billion on the same date.
Bread Financial stock facts
- Company: Bread Financial Holdings, Inc.
- ISIN: US0185811082
- Ticker: BFH
- Trading venue: NYSE
- Price as of October 2, 2026, 4:00 p.m. ET: USD 98.05, last price
- Market capitalization: USD 4.0 billion (as of October 2, 2026)
- 52-week range: USD 53.83-114.53 (as of October 2, 2026)
- Sector / Industry: Financial Services / Consumer Lending
