Bread Financial Holdings, Inc. (NYSE:BFH) Receives $80.09 Consensus Target Price from Brokerages

Shares of Bread Financial Holdings, Inc. (NYSE:BFH) have earned an average recommendation of “Hold” from the fifteen analysts that are covering the company, MarketBeat.com reports. Three analysts have rated the stock with a sell recommendation, six have assigned a hold recommendation, five have issued a buy recommendation and one has given a strong buy recommendation to the company. The average 12 month price objective among brokers that have issued a report on the stock in the last year is $80.0909.

A number of equities research analysts have recently commented on the stock. Evercore ISI raised shares of Bread Financial from a “hold” rating to a “strong-buy” rating in a report on Thursday, February 5th. Keefe, Bruyette & Woods increased their price objective on Bread Financial from $82.00 to $92.00 and gave the stock an “outperform” rating in a research report on Friday, January 2nd. Barclays boosted their target price on Bread Financial from $61.00 to $64.00 and gave the company an “underweight” rating in a report on Friday, January 30th. JPMorgan Chase & Co. reiterated an “underweight” rating and issued a $72.00 price objective on shares of Bread Financial in a research report on Thursday, December 4th. Finally, Wall Street Zen raised shares of Bread Financial from a “buy” rating to a “strong-buy” rating in a research note on Friday, January 23rd.

Bread Financial Price Performance

Shares of BFH opened at $72.51 on Thursday. The stock has a market capitalization of $3.31 billion, a PE ratio of 6.69, a PEG ratio of 0.46 and a beta of 1.26. The company has a 50 day moving average price of $74.52 and a 200-day moving average price of $66.47. The company has a debt-to-equity ratio of 0.27, a quick ratio of 1.19 and a current ratio of 1.17. Bread Financial has a fifty-two week low of $38.21 and a fifty-two week high of $82.03.

Bread Financial (NYSE:BFH) last announced its quarterly earnings results on Thursday, January 29th. The company reported $2.07 earnings per share for the quarter, topping the consensus estimate of $0.40 by $1.67. The company had revenue of $975.00 million for the quarter, compared to the consensus estimate of $954.74 million. Bread Financial had a return on equity of 17.92% and a net margin of 11.02%.During the same period last year, the firm earned $0.41 EPS. Equities analysts predict that Bread Financial will post 6.45 earnings per share for the current fiscal year.

Bread Financial announced that its Board of Directors has initiated a stock buyback plan on Thursday, October 23rd that permits the company to repurchase $200.00 million in shares. This repurchase authorization permits the company to reacquire up to 7.1% of its shares through open market purchases. Shares repurchase plans are usually a sign that the company’s leadership believes its shares are undervalued.

Bread Financial Announces Dividend

The company also recently declared a quarterly dividend, which will be paid on Monday, March 16th. Shareholders of record on Friday, February 27th will be paid a dividend of $0.23 per share. The ex-dividend date is Friday, February 27th. This represents a $0.92 annualized dividend and a yield of 1.3%. Bread Financial’s dividend payout ratio is currently 8.49%.

Key Stories Impacting Bread Financial

Here are the key news stories impacting Bread Financial this week:

• Positive Sentiment: Zacks raised near-term estimates — Q1 2026 EPS to $2.78 (from $2.47), Q2 2026 EPS to $2.47 (from $2.37), and FY2026 EPS to $9.27 (from $9.12). These upward revisions suggest stronger expected performance in the coming quarters, supporting near-term earnings momentum.
• Positive Sentiment: Zacks also bumped Q1 2027 to $2.30 (from $1.99) and Q2 2027 to $2.41 (from $2.37), indicating improved early‑2027 visibility versus prior forecasts.
• Neutral Sentiment: Zacks maintained a “Hold” rating across its notes — signaling the firm sees limited upside from current levels absent clearer fundamental catalysts.
• Neutral Sentiment: Zacks published an FY2028 estimate of $10.76 (new), giving a longer‑term baseline but not yet changing the analyst stance materially.
• Negative Sentiment: Zacks lowered several later-quarter estimates — Q3 2026 to $3.02 (from $3.10), Q4 2026 to $1.00 (from $1.18), Q3 2027 to $3.68 (from $3.91), and Q4 2027 to $2.09 (from $2.29). These cuts reduce visibility for back‑half performance and could cap longer‑term valuation expansion.
• Negative Sentiment: FY2027 estimate was trimmed to $10.48 (from $10.56), signaling modest downward revision to multi‑year growth expectations and leaving upside dependent on execution or better macro trends.

Hedge Funds Weigh In On Bread Financial

Hedge funds and other institutional investors have recently modified their holdings of the company. AlphaQuest LLC bought a new position in shares of Bread Financial during the third quarter worth $1,620,000. SG Americas Securities LLC lifted its stake in Bread Financial by 748.3% in the 3rd quarter. SG Americas Securities LLC now owns 17,347 shares of the company’s stock worth $967,000 after purchasing an additional 15,302 shares in the last quarter. Allianz Asset Management GmbH boosted its holdings in shares of Bread Financial by 44.5% during the 3rd quarter. Allianz Asset Management GmbH now owns 943,659 shares of the company’s stock valued at $52,628,000 after purchasing an additional 290,803 shares during the last quarter. Mizuho Markets Americas LLC grew its position in shares of Bread Financial by 11.5% during the third quarter. Mizuho Markets Americas LLC now owns 363,445 shares of the company’s stock valued at $20,269,000 after purchasing an additional 37,466 shares in the last quarter. Finally, OMERS ADMINISTRATION Corp bought a new stake in shares of Bread Financial in the second quarter worth about $1,142,000. Institutional investors and hedge funds own 99.52% of the company’s stock.

Bread Financial Company Profile

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.