Bread Financial Holdings (BFH) reported Q4 adjusted earnings Thursday of $0.41 per diluted share, down from $0.90 a year earlier.

A single analyst polled by FactSet expected $0.57.

Revenue for the quarter ended Dec. 31 was $926 million, compared with $1.02 billion a year earlier.

Analysts surveyed by FactSet expected $963.8 million.

Shares of the company fell more than 5% in recent premarket activity.

Price: 60.00, Change: -3.65, Percent Change: -5.73