Bread Financial (BFH) Expected to Announce Quarterly Earnings on Thursday

Bread Financial (NYSE:BFH) is expected to be issuing its Q4 2025 results before the market opens on Thursday, January 29th. Analysts expect Bread Financial to post earnings of $0.26 per share and revenue of $954.7420 million for the quarter. Interested persons can find conference call details on the company’s upcoming Q4 2025 earning report page for the latest details on the call scheduled for Thursday, January 29, 2026 at 8:30 AM ET.

Bread Financial (NYSE:BFH) last released its quarterly earnings results on Thursday, October 23rd. The company reported $4.02 earnings per share (EPS) for the quarter, beating the consensus estimate of $2.11 by $1.91. The firm had revenue of $1.24 billion for the quarter, compared to the consensus estimate of $974.30 million. Bread Financial had a return on equity of 15.97% and a net margin of 10.08%.The company’s revenue for the quarter was down 1.2% on a year-over-year basis. During the same quarter last year, the business posted $1.83 EPS. On average, analysts expect Bread Financial to post $6 EPS for the current fiscal year and $9 EPS for the next fiscal year.

Bread Financial Stock Performance

Shares of Bread Financial stock opened at $70.67 on Thursday. The company has a debt-to-equity ratio of 0.33, a current ratio of 1.19 and a quick ratio of 1.19. The firm has a market cap of $3.23 billion, a price-to-earnings ratio of 7.20, a price-to-earnings-growth ratio of 0.46 and a beta of 1.27. The stock’s 50-day moving average is $71.91 and its 200-day moving average is $65.07. Bread Financial has a one year low of $38.21 and a one year high of $82.03.

Bread Financial announced that its board has approved a stock buyback plan on Thursday, October 23rd that permits the company to repurchase $200.00 million in outstanding shares. This repurchase authorization permits the company to buy up to 7.1% of its stock through open market purchases. Stock repurchase plans are often a sign that the company’s board believes its stock is undervalued.

Wall Street Analysts Forecast Growth

Several equities analysts have recently weighed in on BFH shares. The Goldman Sachs Group raised shares of Bread Financial from a “sell” rating to a “hold” rating and set a $84.00 price target for the company in a research note on Tuesday, January 6th. TD Cowen reaffirmed a “hold” rating on shares of Bread Financial in a research report on Thursday, January 8th. JPMorgan Chase & Co. reiterated an “underweight” rating and issued a $72.00 price target on shares of Bread Financial in a research note on Thursday, December 4th. Evercore ISI set a $81.00 price objective on shares of Bread Financial in a research note on Tuesday, January 6th. Finally, Morgan Stanley raised their price objective on Bread Financial from $57.00 to $62.00 and gave the company an “underweight” rating in a report on Tuesday. Four analysts have rated the stock with a Buy rating, seven have assigned a Hold rating and three have issued a Sell rating to the company’s stock. According to MarketBeat.com, Bread Financial presently has a consensus rating of “Hold” and a consensus target price of $78.82.

Institutional Trading of Bread Financial

Several institutional investors and hedge funds have recently bought and sold shares of BFH. Northwestern Mutual Wealth Management Co. boosted its stake in shares of Bread Financial by 141.2% during the 3rd quarter. Northwestern Mutual Wealth Management Co. now owns 562 shares of the company’s stock worth $31,000 after acquiring an additional 329 shares during the period. EverSource Wealth Advisors LLC lifted its holdings in 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. Caitong International Asset Management Co. Ltd boosted its position in Bread Financial by 8,300.0% during the third quarter. Caitong International Asset Management Co. Ltd now owns 840 shares of the company’s stock worth $47,000 after purchasing an additional 830 shares during the period. Quarry LP increased its holdings in shares of Bread Financial by 1,509.1% in the third quarter. Quarry LP now owns 885 shares of the company’s stock valued at $49,000 after purchasing an additional 830 shares during the last quarter. Finally, Strs Ohio acquired a new position in shares of Bread Financial in the first quarter valued at $65,000. Institutional investors own 99.52% of the company’s stock.

About Bread Financial

Bread Financial, formerly known as Alliance Data Systems, is a Columbus, Ohio–based financial services company that specializes in providing private label credit programs, co-brand credit cards and digital payment solutions for retail partners. The company designs, issues and services proprietary credit products, enabling merchants to offer branded financing options that drive customer loyalty and increase basket sizes at the point of sale. Through its Bread technology platform, Bread Financial delivers installment-based payment options that integrate directly into e-commerce and in-store checkout experiences.

In addition to its core credit offerings, Bread Financial provides analytics, marketing and loyalty services to help merchants better understand consumer behavior and optimize promotional strategies.