Keefe, Bruyette & Woods Raises Bread Financial (NYSE:BFH) Price Target to $115.00

Bread Financial (NYSE:BFH) had its price objective lifted by equities research analysts at Keefe, Bruyette & Woods from $100.00 to $115.00 in a research note issued on Friday,Benzinga reports. The firm currently has an “outperform” rating on the stock. Keefe, Bruyette & Woods’ target price would indicate a potential upside of 33.26% from the stock’s previous close.

BFH has been the subject of several other reports. Royal Bank Of Canada set a $105.00 price target on Bread Financial in a report on Friday. The Goldman Sachs Group upgraded Bread Financial from a “sell” rating to a “hold” rating and set a $84.00 price objective on the stock in a report on Tuesday, January 6th. TD Cowen boosted their price objective on Bread Financial from $80.00 to $95.00 and gave the company a “hold” rating in a research report on Friday. Morgan Stanley set a $98.00 target price on Bread Financial in a research note on Friday. Finally, BTIG Research raised their target price on shares of Bread Financial from $98.00 to $105.00 and gave the stock a “buy” rating in a report on Thursday. One analyst has rated the stock with a Strong Buy rating, six have assigned a Buy rating, five have given a Hold rating and two have issued a Sell rating to the company’s stock. According to data from MarketBeat, the stock currently has an average rating of “Hold” and a consensus price target of $92.55.

Bread Financial Price Performance

Shares of BFH stock opened at $86.30 on Friday. Bread Financial has a 12-month low of $46.04 and a 12-month high of $99.13. The firm has a market capitalization of $3.57 billion, a price-to-earnings ratio of 7.07, a price-to-earnings-growth ratio of 1.37 and a beta of 1.11. The company has a quick ratio of 1.17, a current ratio of 1.15 and a debt-to-equity ratio of 0.25. The firm has a fifty day moving average of $76.59 and a 200-day moving average of $71.83.

Bread Financial (NYSE:BFH) last issued its quarterly earnings data on Thursday, April 23rd. The company reported $4.18 EPS for the quarter, topping the consensus estimate of $3.00 by $1.18. The business had revenue of $1.02 billion for the quarter, compared to the consensus estimate of $992.05 million. Bread Financial had a return on equity of 18.79% and a net margin of 11.90%.The firm’s revenue was up 4.9% compared to the same quarter last year. During the same quarter last year, the business posted $2.86 EPS. On average, equities research analysts forecast that Bread Financial will post 9.7 earnings per share for the current year.

Bread Financial announced that its Board of Directors has approved a share repurchase plan on Thursday, February 26th that permits the company to repurchase $600.00 million in outstanding shares. This repurchase authorization permits the company to repurchase up to 19% of its stock through open market purchases. Stock repurchase plans are typically an indication that the company’s board of directors believes its stock is undervalued.

Institutional Inflows and Outflows

Hedge funds have recently modified their holdings of the company. Daiwa Securities Group Inc. raised its position in Bread Financial by 5.6% in the 4th quarter. Daiwa Securities Group Inc. now owns 3,535 shares of the company’s stock valued at $262,000 after buying an additional 187 shares during the last quarter. Arizona State Retirement System boosted its position in Bread Financial by 1.4% during the 3rd quarter. Arizona State Retirement System now owns 14,527 shares of the company’s stock worth $810,000 after acquiring an additional 200 shares during the last quarter. Illinois Municipal Retirement Fund grew its stake in shares of Bread Financial by 0.9% during the 3rd quarter. Illinois Municipal Retirement Fund now owns 25,186 shares of the company’s stock worth $1,405,000 after acquiring an additional 213 shares in the last quarter. Vista Investment Management grew its stake in shares of Bread Financial by 1.1% during the 4th quarter. Vista Investment Management now owns 22,858 shares of the company’s stock worth $1,692,000 after acquiring an additional 241 shares in the last quarter. Finally, Corient Private Wealth LLC raised its holdings in shares of Bread Financial by 6.6% in the fourth quarter. Corient Private Wealth LLC now owns 4,206 shares of the company’s stock valued at $311,000 after purchasing an additional 259 shares during the last quarter. 99.52% of the stock is currently owned by institutional investors.

Bread Financial News Roundup

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

• Positive Sentiment: Bread reported better-than-expected Q1 results — $4.18 EPS vs. $3.00 consensus and $1.02B revenue vs. ~$992M expected; year-over-year revenue and EPS improved, and management provided accompanying materials. Bread Financial Reports First Quarter 2026 Results
• Positive Sentiment: Keefe, Bruyette & Woods raised its price target from $100 to $115 and kept an “outperform” rating — a sizable upside projection that signals stronger analyst conviction. KBW Raises Price Target to $115
• Positive Sentiment: BTIG also lifted its target from $98 to $105 and reiterated a “buy” rating, adding incremental analyst support to the share-price thesis. BTIG Raises Price Target to $105
• Positive Sentiment: The board declared a quarterly common dividend of $0.23 (ex-dividend May 29; pay June 15), which provides a modest income component (roughly 1.0% yield). Dividend Declaration
• Neutral Sentiment: Company released a March performance update with portfolio metrics (delinquency and net principal loss rates) — useful for credit/quality monitoring but not headline-moving by itself. Performance Update for March 2026
• Neutral Sentiment: Full earnings materials, slide deck and call transcript are available for deeper due diligence (useful for monitoring guidance and loss-rate commentary). Earnings Call Transcript & Presentation
• Negative Sentiment: Despite positives, shares are down — likely driven by near-term profit-taking after recent gains, valuation considerations (shares have run toward the 52‑week high), and the market preferring higher-yielding/defensive names; these factors can offset fundamental beats in the short term.

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.