Bread Financial Holdings reported an operating income of $3.14 per share for Q2 2025, beating estimates by 69.7%. Revenues decreased to $929 million, credit sales rose to $6.8 billion, and average loans fell to $17.7 billion. Net interest margin contracted to 17.7%. Delinquency rate improved to 5.7%. Pre-tax pre-provision earnings decreased to $448 million.

In Q2 2025, Bread Financial had cash and cash equivalents of $4.2 billion, long-term debt of $1.3 billion, and a tangible book value of $52.21 per share. Return on average equity was 17.5%. The company repurchased 1.1 million shares in April. For 2025, it expects flat revenues and net loss rate of 7.8-7.9%.

American Express reported Q2 2025 EPS of $4.08, beating estimates by 5.7%. Revenues totaled $17.9 billion, network volumes rose to $472 billion, and interest income increased to $6.3 billion. Provision for credit losses rose to $1.4 billion. Revenues are expected to increase 8-10% in 2025 with EPS in the range of $15-$15.50.

Read more at Nasdaq: Bread Financial Q2 Earnings Beat, Revenues Miss, Credit Sales Rise