Bread Financial Holdings Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
5-Yr Fwd EPS Growth
10.0%projected annual EPS growth
Analyst Coverage
15analysts covering
FY Revenue (est.)
$4Bnext fiscal year
FY EPS (est.)
$12.22next fiscal year
Monitoring Framework
Key Performance Indicators
Net Loss Rate Quarterly733.0%Target: 7.2% to 7.4%
Direct-to-Consumer Deposits Quarterly8.7BTarget: Continued growth to diversify funding mix
Net Interest Margin (NIM) Quarterly1,930.0%Target: Expected to remain higher than 2025 levels
Common Equity Tier 1 (CET1) Ratio Quarterly1,330.0%Target: Maintain strong capital position
Watch Items
- Macroeconomic Pressures on Consumer SpendingTrigger: Sustained rise in fuel prices and persistent inflation dampening consumer confidenceAction: Monitor credit sales volume and adjust underwriting models to manage risk
- Credit Quality and Delinquency TrajectoryTrigger: Delinquency rate exceeding historical comfort levels or reversing the positive trendAction: Tighten credit criteria and increase provisions for credit losses if necessary
Research as of 19 Jun 2026