Bread Financial Holdings (BFH Quick QuoteBFH - Free Report) reported $993 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 6.9%. EPS of $3.55 for the same period compares to $3.14 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $952.91 million, representing a surprise of +4.21%. The company delivered an EPS surprise of +40.87%, with the consensus EPS estimate being $2.52.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

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: 48.6% versus 53.2% estimated by two analysts on average.
• Net loss rate (Net principal losses as a percentage of average credit card and other loans): 7% versus 7.3% estimated by two analysts on average.
• Net Interest Margin: 18.5% compared to the 17% average estimate based on two analysts.
• Total risk-based capital ratio: 17.1% versus 17.2% estimated by two analysts on average.
• Total interest income: $1.23 billion versus the three-analyst average estimate of $1.22 billion.
• Interest on cash and investment securities: $39 million versus the three-analyst average estimate of $38.02 million.
• Interchange revenue, net of retailer shares arrangements: $-110 million versus the three-analyst average estimate of $-124.23 million.
• Interest and fees on loans: $1.2 billion versus $1.19 billion estimated by three analysts on average.
• Net interest income: $1.04 billion versus $1.02 billion estimated by three analysts on average.
• Total non-interest income: $-46 million versus the three-analyst average estimate of $-62.6 million.
• Other: $64 million versus the three-analyst average estimate of $61.62 million.

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

Shares of Bread Financial have returned -2.9% over the past month versus the Zacks S&P 500 composite's +0.4% 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.