
Financial services company Bread Financial (NYSE: BFH) will be reporting earnings this Thursday morning. Here’s what investors should know.
Bread Financial beat analysts’ revenue expectations last quarter, reporting revenues of $975 million, up 5.3% year on year. It was an exceptional quarter for the company, with a beat of analysts’ EPS estimates and .
Is Bread Financial a buy or sell going into earnings? Read our full analysis here, it’s free for active Edge members.
This quarter, the market is expecting Bread Financial’s revenue to grow 2.5% year on year, a reversal from the 2.1% decrease it recorded in the same quarter last year.

Heading into earnings, analysts covering the company have grown increasingly bullish with revenue estimates seeing in majority upward revisions over the last 30 days. Bread Financial has missed Wall Street’s revenue estimates multiple times over the last two years.
Looking at Bread Financial’s peers in the consumer finance segment, some have already reported their Q1 results, giving us a hint as to what we can expect. Synchrony Financial posted flat year-on-year revenue, missing analysts’ expectations by 2.4%, and Capital One reported revenues up 52.3%, falling short of estimates by 1.1%.
Read our full analysis of Synchrony Financial’s results here and Capital One’s results here.
There has been positive sentiment among investors in the consumer finance segment, with share prices up 11.8% on average over the last month. Bread Financial is up 22.2% during the same time and is heading into earnings with an average analyst price target of $85.53 (compared to the current share price of $91.31).
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