FY2025 EPS Estimates for Bread Financial Boosted by Analyst

Bread Financial Holdings, Inc. (NYSE:BFH) – Investment analysts at Zacks Research lifted their FY2025 EPS estimates for Bread Financial in a research note issued on Tuesday, November 4th. Zacks Research analyst Team now expects that the company will post earnings of $10.23 per share for the year, up from their previous forecast of $7.85. Zacks Research currently has a “Strong-Buy” 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 Q4 2025 earnings at $0.17 EPS, Q1 2026 earnings at $2.50 EPS, Q2 2026 earnings at $2.32 EPS, Q3 2026 earnings at $2.43 EPS, Q1 2027 earnings at $1.59 EPS, Q2 2027 earnings at $2.34 EPS and Q3 2027 earnings at $3.60 EPS.

Bread Financial (NYSE:BFH) last announced its earnings results on Thursday, October 23rd. The company reported $4.02 earnings per share for the quarter, beating analysts’ consensus estimates of $2.11 by $1.91. The business had revenue of $971.00 million during the quarter, compared to analyst estimates of $974.30 million. Bread Financial had a net margin of 10.08% and a return on equity of 15.97%. The company’s quarterly revenue was down 1.2% compared to the same quarter last year. During the same period in the previous year, the business earned $1.83 EPS. Bread Financial has set its FY 2025 guidance at EPS.

Other analysts have also recently issued reports about the stock. Morgan Stanley set a $55.00 target price on shares of Bread Financial and gave the company an “underweight” rating in a report on Friday, October 24th. JPMorgan Chase & Co. upped their price objective on Bread Financial from $70.00 to $72.00 and gave the stock a “neutral” rating in a research note on Friday, October 24th. Keefe, Bruyette & Woods reduced their price objective on Bread Financial from $88.00 to $71.00 and set an “outperform” rating for the company in a research note on Wednesday, October 1st. The Goldman Sachs Group upped their price target on Bread Financial from $60.00 to $68.00 and gave the stock a “sell” rating in a research report on Friday, October 24th. Finally, BTIG Research set a $105.00 price target on Bread Financial and gave the stock a “buy” rating in a research report on Monday, July 14th. One equities research analyst has rated the stock with a Strong Buy rating, three have issued a Buy rating, eight have issued a Hold rating and three have issued a Sell rating to the company. Based on data from MarketBeat.com, the stock has a consensus rating of “Hold” and a consensus price target of $70.00.

Bread Financial Stock Up 2.4%

Bread Financial stock opened at $64.09 on Thursday. The stock has a market cap of $2.93 billion, a PE ratio of 6.53, a price-to-earnings-growth ratio of 0.50 and a beta of 1.41. The company has a debt-to-equity ratio of 0.33, a quick ratio of 1.18 and a current ratio of 1.19. Bread Financial has a one year low of $38.21 and a one year high of $68.01. The stock has a fifty day moving average of $61.45 and a 200 day moving average of $57.80.

Institutional Investors Weigh In On Bread Financial

Institutional investors have recently added to or reduced their stakes in the stock. Quarry LP grew its holdings in 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 buying an additional 578 shares in the last quarter. EverSource Wealth Advisors LLC grew its stake in Bread Financial by 127.2% during the second quarter. EverSource Wealth Advisors LLC now owns 711 shares of the company’s stock valued at $41,000 after acquiring an additional 398 shares in the last quarter. BOK Financial Private Wealth Inc. purchased a new position in Bread Financial during the second quarter valued at $42,000. Salomon & Ludwin LLC grew its position in shares of Bread Financial by 136.2% during the third quarter. Salomon & Ludwin LLC now owns 888 shares of the company’s stock valued at $49,000 after purchasing an additional 512 shares in the last quarter. Finally, Strs Ohio purchased a new position in shares of Bread Financial during the first quarter valued at about $65,000. 99.52% of the stock is owned by hedge funds and other institutional investors.

Bread Financial Increases Dividend

The firm also recently announced a quarterly dividend, which will be paid on Friday, December 12th. Investors of record on Friday, November 7th will be given a dividend of $0.23 per share. This is an increase from Bread Financial’s previous quarterly dividend of $0.21. This represents a $0.92 annualized dividend and a dividend yield of 1.4%. The ex-dividend date is Friday, November 7th. Bread Financial’s dividend payout ratio (DPR) is 9.37%.

Bread Financial declared that its board has authorized a stock repurchase plan on Wednesday, August 27th that permits the company to buyback $0.00 in shares. This buyback authorization permits the company to buy shares of its stock through open market purchases. Stock buyback plans are generally a sign that the company’s board of directors believes its stock is undervalued.

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.