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Bread Financial Holdings Inc (DE:LID)
:LID
RESEARCH TOOLSreports
Earnings Data
Report Date
Jul 24, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
1.5Last Year’s EPS
2.33Same Quarter Last Year
Based on 11 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 24, 2025
|% Change Since: -2.53%
|Next Earnings Date:Jul 24, 2025
Earnings Call Sentiment|Neutral
The earnings call reflects a company with strong financial performance and strategic initiatives, such as successful capital structure optimization and growth in direct-to-consumer deposits. However, challenges such as revenue decline, decreased average loans, and macroeconomic uncertainty pose concerns.Company Guidance
In the first quarter of fiscal year 2025, Bread Financial Holdings, Inc. reported a net income of $138 million and earnings per diluted share of $2.78. The company completed a $400 million subordinated notes offering, enhancing its capital structure and balance sheet. Additionally, Bread Financial executed a $150 million board-authorized share repurchase program, acquiring 3.2 million shares. Direct-to-consumer deposits grew 13% year over year to $7.9 billion, reflecting a steady increase. Credit sales rose by 1% due to higher general purpose spending, supported by lower gas prices. Despite challenging macroeconomic conditions, the company maintained a credit risk management approach, resulting in improved credit performance trends. The first quarter saw a delinquency rate of 5.9% and a net loss rate of 8.2%, with a reserve rate of 12.2%. Looking forward, Bread Financial expects 2025 average loans to be flat to slightly down, with total revenue anticipated to be flat to slightly up. The net loss rate is projected to remain in the 8.0% to 8.2% range for the year.Strong First Quarter Earnings
Bread Financial reported net income of $138 million and earnings per diluted share of $2.78, reflecting a resilient business model and strategic credit tightening actions.
Successful Capital Structure Optimization
Executed a $400 million subordinated notes offering, improving the total risk-based capital ratio by more than 200 basis points, and completed a $150 million share repurchase program.
Growth in Direct-to-Consumer Deposits
Direct-to-consumer deposits grew to $7.9 billion at the end of the quarter, up 13% year over year.
New Partnerships and Program Renewals
Signed new partners including Crypto.com and renewed programs with existing partners like Academy Sports, showcasing strong pipeline and growth opportunities.
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DE:LID Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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DE:LID Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 24, 2025 | €41.83 | €42.76 | +2.22% |
| Jan 30, 2025 | €60.29 | €60.63 | +0.56% |
| Oct 24, 2024 | €46.52 | €45.87 | -1.41% |
| Jul 25, 2024 | €46.05 | €47.37 | +2.88% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Bread Financial Holdings Inc (DE:LID) report earnings?
Bread Financial Holdings Inc (DE:LID) is schdueled to report earning on Jul 24, 2025, TBA Not Confirmed.
What is Bread Financial Holdings Inc (DE:LID) earnings time?
Bread Financial Holdings Inc (DE:LID) earnings time is at Jul 24, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of Bread Financial Holdings Inc stock?
The P/E ratio of Bread Financial Holdings is N/A.
What is DE:LID EPS forecast?
DE:LID EPS forecast for the fiscal quarter 2025 (Q2) is 1.5.
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