Bread Financial Holdings (BFH Quick QuoteBFH - Free Report) reported $971 million in revenue for the quarter ended September 2025, representing a year-over-year decline of 1.2%. EPS of $4.02 for the same period compares to $1.84 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $966.57 million, representing a surprise of +0.46%. The company delivered an EPS surprise of +90.52%, with the consensus EPS estimate being $2.11.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Bread Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 49% versus the three-analyst average estimate of 53%.
• Net loss rate (Net principal losses as a percentage of average credit card and other loans): 7.4% versus the three-analyst average estimate of 7.6%.
• Net Interest Margin: 18.8% compared to the 18.2% average estimate based on three analysts.
• Total interest income: $1.24 billion versus $1.24 billion estimated by four analysts on average.
• Interest on cash and investment securities: $44 million versus $48.32 million estimated by four analysts on average.
• Interchange revenue, net of retailer shares arrangements: $-111 million versus $-102.99 million estimated by four analysts on average.
• Interest and fees on loans: $1.2 billion compared to the $1.19 billion average estimate based on four analysts.
• Net interest income: $1.03 billion compared to the $1.02 billion average estimate based on four analysts.
• Total non-interest income: $-61 million compared to the $-53.03 million average estimate based on four analysts.
• Other: $50 million versus the four-analyst average estimate of $49.18 million.

View all Key Company Metrics for Bread Financial here>>>

Shares of Bread Financial have returned -0.3% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.