Seaport Res Ptn Comments on Bread Financial Q4 Earnings

Bread Financial Holdings, Inc. (NYSE:BFH) – Analysts at Seaport Res Ptn raised their Q4 2025 earnings per share estimates for Bread Financial in a report released on Monday, September 29th. Seaport Res Ptn analyst W. Ryan now expects that the company will post earnings per share of ($0.06) for the quarter, up from their previous estimate of ($0.15). The consensus estimate for Bread Financial’s current full-year earnings is $6.45 per share.

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

A number of other research analysts have also recently weighed in on BFH. Morgan Stanley lifted their price objective on Bread Financial from $51.00 to $53.00 and gave the company an “underweight” rating in a research report on Monday. Royal Bank Of Canada lifted their price objective on Bread Financial from $65.00 to $74.00 and gave the company a “sector perform” rating in a research report on Friday, July 25th. BTIG Research set a $105.00 price objective on Bread Financial and gave the company a “buy” rating in a research report on Monday, July 14th. Wall Street Zen cut Bread Financial from a “strong-buy” rating to a “buy” rating in a research report on Saturday, August 9th. Finally, Keefe, Bruyette & Woods lowered their price objective on Bread Financial from $88.00 to $71.00 and set an “outperform” rating on the stock in a research report on Wednesday. Three research analysts have rated the stock with a Buy rating, five have assigned a Hold rating and three have assigned a Sell rating to the company’s stock. According to MarketBeat, the stock currently has an average rating of “Hold” and a consensus price target of $66.40.

Bread Financial Trading Down 1.5%

Shares of NYSE:BFH opened at $54.93 on Wednesday. The stock has a market capitalization of $2.56 billion, a price-to-earnings ratio of 9.29, a PEG ratio of 0.51 and a beta of 1.46. The company has a debt-to-equity ratio of 0.36, a quick ratio of 1.18 and a current ratio of 1.18. The stock’s 50-day simple moving average is $61.87 and its two-hundred day simple moving average is $55.52. Bread Financial has a 52-week low of $38.21 and a 52-week high of $68.01.

Bread Financial Dividend Announcement

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

Bread Financial declared that its board has authorized a stock buyback plan on Wednesday, August 27th that authorizes the company to buyback $0.00 in outstanding shares. This buyback authorization authorizes the company to reacquire shares of its stock through open market purchases. Shares buyback plans are often an indication that the company’s board believes its stock is undervalued.

Insider Transactions at Bread Financial

In other news, Director John J. Fawcett acquired 1,027 shares of Bread Financial stock in a transaction on Wednesday, July 30th. The shares were acquired at an average price of $61.79 per share, with a total value of $63,458.33. Following the purchase, the director directly owned 10,302 shares in the company, valued at $636,560.58. The trade was a 11.07% increase in their position. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available through this hyperlink. 0.85% of the stock is currently owned by insiders.

Institutional Trading of Bread Financial

A number of large investors have recently added to or reduced their stakes in BFH. Curat Global LLC bought a new stake in Bread Financial in the 1st quarter worth approximately $28,000. Quarry LP increased its position in shares of Bread Financial by 947.5% during the 1st quarter. Quarry LP now owns 639 shares of the company’s stock valued at $32,000 after purchasing an additional 578 shares during the last quarter. EverSource Wealth Advisors LLC increased its position in shares of Bread Financial by 127.2% during the 2nd quarter. EverSource Wealth Advisors LLC now owns 711 shares of the company’s stock valued at $41,000 after purchasing an additional 398 shares during the last quarter. BOK Financial Private Wealth Inc. bought a new position in shares of Bread Financial during the 2nd quarter valued at approximately $42,000. Finally, Versant Capital Management Inc increased its position in shares of Bread Financial by 182.8% during the 1st quarter. Versant Capital Management Inc now owns 1,298 shares of the company’s stock valued at $65,000 after purchasing an additional 839 shares during the last quarter. Institutional investors own 99.52% of the company’s stock.

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.