Zacks Research Raises Earnings Estimates for Bread Financial

Bread Financial Holdings, Inc. (NYSE:BFH) – Equities researchers at Zacks Research raised their FY2025 earnings per share (EPS) estimates for Bread Financial in a note issued to investors on Tuesday, August 5th. Zacks Research analyst T. De now anticipates that the company will earn $7.85 per share for the year, up from their previous estimate of $6.82. The consensus estimate for Bread Financial’s current full-year earnings is $6.45 per share. Zacks Research also issued estimates for Bread Financial’s Q4 2025 earnings at ($0.06) EPS, Q2 2026 earnings at $2.34 EPS and FY2026 earnings at $8.66 EPS.

Bread Financial (NYSE:BFH) last issued its quarterly earnings data on Thursday, July 24th. The company reported $3.14 EPS for the quarter, topping the consensus estimate of $1.85 by $1.29. The firm had revenue of $929.00 million during the quarter, compared to the consensus estimate of $944.69 million. Bread Financial had a return on equity of 13.10% and a net margin of 6.05%. The company’s quarterly revenue was down 1.1% compared to the same quarter last year. During the same period in the prior year, the business posted $2.66 earnings per share.

A number of other analysts also recently issued reports on BFH. Wall Street Zen downgraded Bread Financial from a “strong-buy” rating to a “buy” rating in a research report on Saturday. BTIG Research set a $105.00 price target on Bread Financial and gave the company a “buy” rating in a research report on Monday, July 14th. Jefferies Financial Group lifted their price target on Bread Financial from $45.00 to $50.00 and gave the company a “hold” rating in a research report on Thursday, April 24th. Morgan Stanley lifted their price target on Bread Financial from $36.00 to $39.00 and gave the company an “underweight” rating in a research report on Monday, May 12th. Finally, JMP Securities reiterated a “market perform” rating on shares of Bread Financial in a research report on Monday, April 28th. Three analysts have rated the stock with a sell rating, six have given a hold rating and five have given a buy rating to the stock. According to MarketBeat, the stock presently has an average rating of “Hold” and a consensus price target of $64.42.

Bread Financial Stock Performance

Shares of BFH opened at $58.14 on Friday. The company has a current ratio of 1.18, a quick ratio of 1.18 and a debt-to-equity ratio of 0.36. The company has a market capitalization of $2.71 billion, a price-to-earnings ratio of 9.84, a PEG ratio of 0.93 and a beta of 1.42. The stock has a 50 day moving average of $57.61 and a 200 day moving average of $54.24. Bread Financial has a 12 month low of $38.21 and a 12 month high of $66.71.

Bread Financial Dividend Announcement

The firm also recently declared a quarterly dividend, which will be paid on Friday, September 12th. Investors of record on Friday, August 8th will be given a dividend of $0.21 per share. This represents a $0.84 dividend on an annualized basis and a yield of 1.4%. The ex-dividend date of this dividend is Friday, August 8th. Bread Financial’s dividend payout ratio (DPR) is 14.21%.

Insider Transactions at Bread Financial

In related news, Director John J. Fawcett purchased 1,027 shares of the company’s stock in a transaction dated Wednesday, July 30th. The shares were purchased at an average cost of $61.79 per share, with a total value of $63,458.33. Following the transaction, the director directly owned 10,302 shares in the company, valued at $636,560.58. This trade represents a 11.07% increase in their position. The purchase was disclosed in a filing with the Securities & Exchange Commission, which can be accessed through this link. 0.85% of the stock is currently owned by company insiders.

Hedge Funds Weigh In On Bread Financial

Hedge funds have recently bought and sold shares of the business. Castlekeep Investment Advisors LLC bought a new stake in shares of Bread Financial in the fourth quarter worth $104,000. American Century Companies Inc. boosted its position in Bread Financial by 5.8% in the first quarter. American Century Companies Inc. now owns 1,461,844 shares of the company’s stock worth $73,209,000 after purchasing an additional 79,709 shares during the last quarter. Hsbc Holdings PLC grew its stake in shares of Bread Financial by 1.0% during the 4th quarter. Hsbc Holdings PLC now owns 1,452,509 shares of the company’s stock valued at $89,299,000 after purchasing an additional 13,679 shares during the period. Wellington Management Group LLP grew its stake in shares of Bread Financial by 45.0% during the 1st quarter. Wellington Management Group LLP now owns 1,320,418 shares of the company’s stock valued at $66,127,000 after purchasing an additional 409,877 shares during the period. Finally, Jacobs Levy Equity Management Inc. increased its position in shares of Bread Financial by 10.7% during the 4th quarter. Jacobs Levy Equity Management Inc. now owns 1,241,566 shares of the company’s stock valued at $75,810,000 after purchasing an additional 120,237 shares during the last quarter. Hedge funds and other institutional investors own 99.52% of the company’s stock.

Bread Financial Company Profile

Bread Financial Holdings, Inc provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, account origination, and funding services for private label and co-brand credit card programs, as well as through Bread partnerships; and Comenity-branded general purpose cash-back credit.