Bread Financial Q1 EPS Forecast Reduced by Zacks Research

Bread Financial Holdings, Inc. (NYSE:BFH) – Equities researchers at Zacks Research reduced their Q1 2026 earnings per share estimates for shares of Bread Financial in a note issued to investors on Tuesday, January 20th. Zacks Research analyst Team now anticipates that the company will earn $2.47 per share for the quarter, down from their prior forecast of $2.50. Zacks Research currently has a “Hold” rating on the stock. 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 Q3 2026 earnings at $3.10 EPS, Q3 2027 earnings at $3.91 EPS and Q4 2027 earnings at $2.29 EPS.

BFH has been the subject of several other reports. Barclays raised their target price on shares of Bread Financial from $52.00 to $61.00 and gave the company an “underweight” rating in a report on Tuesday, January 6th. The Goldman Sachs Group upgraded shares of Bread Financial from a “sell” rating to a “hold” rating and set a $84.00 price target on the stock in a research report on Tuesday, January 6th. Evercore ISI set a $81.00 price objective on shares of Bread Financial in a research note on Tuesday, January 6th. TD Cowen reaffirmed a “hold” rating on shares of Bread Financial in a research note on Thursday, January 8th. Finally, Weiss Ratings reissued a “buy (b-)” rating on shares of Bread Financial in a research report on Monday, December 29th. Four research analysts have rated the stock with a Buy rating, seven have given a Hold rating and three have assigned a Sell rating to the company. According to MarketBeat.com, Bread Financial presently has a consensus rating of “Hold” and a consensus target price of $78.82.

Bread Financial Trading Up 0.6%

Shares of BFH stock opened at $70.93 on Thursday. The stock has a market cap of $3.24 billion, a P/E ratio of 7.22, a P/E/G ratio of 0.46 and a beta of 1.27. The company has a quick ratio of 1.19, a current ratio of 1.19 and a debt-to-equity ratio of 0.33. Bread Financial has a fifty-two week low of $38.21 and a fifty-two week high of $82.03. The business has a fifty day simple moving average of $72.09 and a 200-day simple moving average of $65.11.

Bread Financial (NYSE:BFH) last issued its quarterly earnings data on Thursday, October 23rd. The company reported $4.02 earnings per share (EPS) for the quarter, topping the consensus estimate of $2.11 by $1.91. The firm had revenue of $1.24 billion during the quarter, compared to analysts’ expectations of $974.30 million. Bread Financial had a return on equity of 15.97% and a net margin of 10.08%.Bread Financial’s revenue was down 1.2% on a year-over-year basis. During the same period in the previous year, the firm posted $1.83 earnings per share.

Institutional Trading of Bread Financial

Several hedge funds and other institutional investors have recently added to or reduced their stakes in BFH. Teacher Retirement System of Texas lifted its holdings in shares of Bread Financial by 2.6% during the 2nd quarter. Teacher Retirement System of Texas now owns 7,460 shares of the company’s stock worth $426,000 after acquiring an additional 192 shares during the period. Arizona State Retirement System increased its position in Bread Financial by 1.4% during the third quarter. Arizona State Retirement System now owns 14,527 shares of the company’s stock worth $810,000 after purchasing an additional 200 shares during the last quarter. Commonwealth of Pennsylvania Public School Empls Retrmt SYS raised its stake in Bread Financial by 1.7% during the second quarter. Commonwealth of Pennsylvania Public School Empls Retrmt SYS now owns 11,951 shares of the company’s stock worth $683,000 after purchasing an additional 203 shares during the period. Illinois Municipal Retirement Fund boosted its holdings in shares of Bread Financial by 0.9% in the 3rd quarter. Illinois Municipal Retirement Fund now owns 25,186 shares of the company’s stock valued at $1,405,000 after purchasing an additional 213 shares during the last quarter. Finally, Envestnet Asset Management Inc. grew its stake in shares of Bread Financial by 2.5% during the 2nd quarter. Envestnet Asset Management Inc. now owns 11,085 shares of the company’s stock valued at $633,000 after buying an additional 269 shares during the period. Hedge funds and other institutional investors own 99.52% of the company’s stock.

Bread Financial declared that its Board of Directors has authorized a stock repurchase program on Thursday, October 23rd that permits the company to repurchase $200.00 million in outstanding shares. This repurchase authorization permits the company to purchase up to 7.1% of its shares through open market purchases. Shares repurchase programs are often a sign that the company’s management believes its stock is undervalued.

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.