Brokers Set Expectations for Bread Financial Q3 Earnings

Bread Financial Holdings, Inc. (NYSE:BFH) – Equities researchers at Seaport Res Ptn raised their Q3 2025 earnings per share estimates for Bread Financial in a report issued on Monday, September 29th. Seaport Res Ptn analyst W. Ryan now anticipates that the company will post earnings of $2.23 per share for the quarter, up from their prior estimate of $2.21. The consensus estimate for Bread Financial’s current full-year earnings is $6.45 per share.

Bread Financial (NYSE:BFH) last released its earnings results on Thursday, July 24th. The company reported $3.14 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $1.85 by $1.29. The business had revenue of $929.00 million for the quarter, compared to analyst estimates of $944.69 million. Bread Financial had a return on equity of 13.10% and a net margin of 6.05%.The company’s revenue for the quarter was down 1.1% compared to the same quarter last year. During the same quarter in the previous year, the company posted $2.66 earnings per share. Bread Financial has set its FY 2025 guidance at EPS.

Several other analysts have also weighed in on the company. BTIG Research set a $105.00 target price on Bread Financial and gave the company a “buy” rating in a report on Monday, July 14th. Barclays reiterated an “underweight” rating and set a $52.00 target price (up from $45.00) on shares of Bread Financial in a research report on Tuesday, July 8th. Morgan Stanley upped their price target on Bread Financial from $51.00 to $53.00 and gave the stock an “underweight” rating in a research note on Monday. Wall Street Zen downgraded Bread Financial from a “strong-buy” rating to a “buy” rating in a report on Saturday, August 9th. Finally, Royal Bank Of Canada raised their price objective on Bread Financial from $65.00 to $74.00 and gave the company a “sector perform” rating in a research note on Friday, July 25th. Three analysts have rated the stock with a Buy rating, five have issued a Hold rating and three have given a Sell rating to the company. Based on data from MarketBeat.com, Bread Financial has a consensus rating of “Hold” and an average target price of $68.10.

Bread Financial Trading Down 3.9%

NYSE:BFH opened at $55.79 on Tuesday. The company has a current ratio of 1.18, a quick ratio of 1.18 and a debt-to-equity ratio of 0.36. Bread Financial has a 12-month low of $38.21 and a 12-month high of $68.01. The firm has a market cap of $2.60 billion, a P/E ratio of 9.44, a PEG ratio of 0.53 and a beta of 1.46. The stock’s 50 day simple moving average is $62.05 and its 200-day simple moving average is $55.53.

Institutional Trading of Bread Financial

Several hedge funds have recently made changes to their positions in the stock. Corient Private Wealth LLC bought a new stake in shares of Bread Financial in the 2nd quarter worth approximately $220,000. Texas Permanent School Fund Corp lifted its holdings in shares of Bread Financial by 27.7% in the 2nd quarter. Texas Permanent School Fund Corp now owns 35,155 shares of the company’s stock worth $2,008,000 after purchasing an additional 7,619 shares during the last quarter. Public Sector Pension Investment Board lifted its holdings in shares of Bread Financial by 0.7% in the 2nd quarter. Public Sector Pension Investment Board now owns 186,284 shares of the company’s stock worth $10,641,000 after purchasing an additional 1,294 shares during the last quarter. Headlands Technologies LLC bought a new stake in shares of Bread Financial in the 2nd quarter worth approximately $184,000. Finally, Tower Research Capital LLC TRC lifted its holdings in shares of Bread Financial by 373.9% in the 2nd quarter. Tower Research Capital LLC TRC now owns 6,554 shares of the company’s stock worth $374,000 after purchasing an additional 5,171 shares during the last quarter. Institutional investors own 99.52% of the company’s stock.

Insider Activity at Bread Financial

In other news, Director John J. Fawcett bought 1,027 shares of the firm’s stock in a transaction dated Wednesday, July 30th. The stock was bought at an average price of $61.79 per share, for a total transaction of $63,458.33. Following the transaction, the director owned 10,302 shares in the company, valued at $636,560.58. The trade was a 11.07% increase in their ownership of the stock. The purchase was disclosed in a filing with the SEC, which is accessible through this link. Insiders own 0.62% of the company’s stock.

Bread Financial Announces Dividend

The company also recently announced a quarterly dividend, which was paid on Friday, September 12th. Stockholders of record on Friday, August 8th were given a $0.21 dividend. The ex-dividend date was Friday, August 8th. This represents a $0.84 annualized dividend and a dividend yield of 1.5%. Bread Financial’s dividend payout ratio (DPR) is presently 14.21%.

Bread Financial announced that its Board of Directors has initiated a stock repurchase program on Wednesday, August 27th that authorizes the company to repurchase $0.00 in outstanding shares. This repurchase authorization authorizes the company to reacquire shares of its stock through open market purchases. Shares repurchase programs are generally an indication that the company’s management believes its stock is undervalued.

About Bread Financial

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.