Bread Financial Holdings (BFH Quick QuoteBFH - Free Report) reported $1.02 billion in revenue for the quarter ended September 2026, representing a year-over-year increase of 4.7%. EPS of $3.84 for the same period compares to $4.02 a year ago.

The reported revenue represents a surprise of +0.32% over the Zacks Consensus Estimate of $1.01 billion. With the consensus EPS estimate being $3.26, the EPS surprise was +17.79%.

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: 47.9% compared to the 49.3% average estimate based on two analysts.
• Net loss rate (Net principal losses as a percentage of average credit card and other loans): 6.4% versus 6.8% estimated by two analysts on average.
• Net Interest Margin: 18.9% versus 18.1% estimated by two analysts on average.
• Total risk-based capital ratio: 17.1% versus 17.4% estimated by two analysts on average.
• Total interest income: $1.29 billion compared to the $1.28 billion average estimate based on three analysts.
• Interest on cash and investment securities: $40 million versus $39.14 million estimated by three analysts on average.
• Interchange revenue, net of retailer shares arrangements: $-144 million versus the three-analyst average estimate of $-132.53 million.
• Interest and fees on loans: $1.25 billion compared to the $1.24 billion average estimate based on three analysts.
• Net interest income: $1.1 billion compared to the $1.08 billion average estimate based on three analysts.
• Total non-interest income: $-78 million versus $-69.44 million estimated by three analysts on average.
• Other: $66 million compared to the $63.08 million average estimate based on three analysts.

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

Shares of Bread Financial have returned +9.5% over the past month versus the Zacks S&P 500 composite's no 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.