Bread Financial Holdings, Inc. (BFH) saw its stock price soar 5.10% during intraday trading on Thursday, following the release of its fourth-quarter and full-year 2025 financial results.
The significant price movement appears driven by the company reporting better-than-expected earnings and revenue, along with a dividend declaration. Bread Financial posted Q4 adjusted earnings per share of $2.07, substantially exceeding the Ibes estimate of $0.36 and the FactSet consensus of $0.36. Furthermore, the company's Q4 revenue reached $975 million, beating analyst estimates of approximately $953.5 million.
Additional positive catalysts included the declaration of a quarterly cash dividend of $0.23 per common share and the provision of 2026 revenue guidance, which projects growth in the low single digits compared to FY2025. The company also reported stable credit performance, with a delinquency rate of 5.8% as of December 31, 2025, showing a slight improvement from 5.9% a year earlier.
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