Zacks Research Forecasts Higher Earnings for Bread Financial

Bread Financial Holdings, Inc. (NYSE:BFH) – Analysts at Zacks Research lifted their Q3 2026 earnings per share (EPS) estimates for Bread Financial in a research report issued on Friday, June 12th. Zacks Research analyst Team now anticipates that the company will post earnings of $2.96 per share for the quarter, up from their previous estimate of $2.95. Zacks Research currently has a “Strong-Buy” rating on the stock. The consensus estimate for Bread Financial’s current full-year earnings is $10.65 per share. Zacks Research also issued estimates for Bread Financial’s FY2028 earnings at $12.06 EPS.

Bread Financial (NYSE:BFH) last released 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 firm 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 company’s quarterly revenue was up 4.9% on a year-over-year basis. During the same quarter in the previous year, the business earned $2.86 earnings per share.

Several other analysts have also recently issued reports on BFH. Keefe, Bruyette & Woods reissued an “outperform” rating on shares of Bread Financial in a research note on Wednesday, June 10th. Barclays raised their target price on Bread Financial from $67.00 to $70.00 and gave the stock an “underweight” rating in a research note on Friday, April 24th. Wall Street Zen raised Bread Financial from a “hold” rating to a “buy” rating in a research note on Saturday. Royal Bank Of Canada raised their target price on Bread Financial from $105.00 to $115.00 and gave the stock a “sector perform” rating in a research note on Friday. Finally, Bank of America reissued a “buy” rating and issued a $108.00 target price on shares of Bread Financial in a research note on Wednesday, June 10th. One investment analyst has rated the stock with a Strong Buy rating, eight have assigned a Buy rating, four have given a Hold rating and two have given a Sell rating to the stock. Based on data from MarketBeat.com, the company currently has a consensus rating of “Moderate Buy” and a consensus price target of $96.42.

Bread Financial Stock Up 0.6%

BFH opened at $102.36 on Tuesday. The company has a market cap of $4.14 billion, a P/E ratio of 8.38, a P/E/G ratio of 0.88 and a beta of 1.12. The business’s 50-day moving average price is $87.34 and its 200-day moving average price is $78.47. The company has a current ratio of 1.15, a quick ratio of 1.15 and a debt-to-equity ratio of 0.25. Bread Financial has a 12 month low of $50.88 and a 12 month high of $105.20.

Institutional Trading of Bread Financial

Several large investors have recently bought and sold shares of BFH. Millennium Management LLC boosted its position in Bread Financial by 223.4% during the 4th quarter. Millennium Management LLC now owns 665,812 shares of the company’s stock valued at $49,290,000 after acquiring an additional 459,916 shares in the last quarter. Bank of America Corp DE boosted its position in Bread Financial by 241.1% during the 2nd quarter. Bank of America Corp DE now owns 537,656 shares of the company’s stock valued at $30,711,000 after acquiring an additional 380,039 shares in the last quarter. Goldman Sachs Group Inc. boosted its position in Bread Financial by 104.8% during the 1st quarter. Goldman Sachs Group Inc. now owns 736,604 shares of the company’s stock valued at $36,889,000 after acquiring an additional 376,920 shares in the last quarter. UBS Group AG boosted its position in Bread Financial by 100.4% during the 4th quarter. UBS Group AG now owns 716,725 shares of the company’s stock valued at $53,059,000 after acquiring an additional 359,088 shares in the last quarter. Finally, SG Americas Securities LLC boosted its position in Bread Financial by 899.4% during the 1st quarter. SG Americas Securities LLC now owns 350,061 shares of the company’s stock valued at $26,216,000 after acquiring an additional 315,034 shares in the last quarter. 99.52% of the stock is owned by institutional investors.

Insider Buying and Selling at Bread Financial

In other Bread Financial news, Director Roger H. Ballou sold 9,687 shares of Bread Financial stock in a transaction that occurred on Friday, April 24th. The stock was sold at an average price of $90.32, for a total transaction of $874,929.84. Following the sale, the director directly owned 30,079 shares of the company’s stock, valued at approximately $2,716,735.28. The trade was a 24.36% decrease in their position. The transaction was disclosed in a legal filing with the SEC, which can be accessed through this link. Also, Director John J. Fawcett acquired 698 shares of the business’s stock in a transaction on Thursday, May 21st. The shares were purchased at an average cost of $86.43 per share, for a total transaction of $60,328.14. Following the completion of the transaction, the director owned 11,000 shares in the company, valued at approximately $950,730. This represents a 6.78% increase in their position. Additional details regarding this purchase are available in the official SEC disclosure. Insiders own 1.30% of the company’s stock.

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

Bread Financial Dividend Announcement

The company also recently disclosed a quarterly dividend, which was paid on Monday, June 15th. Shareholders of record on Friday, May 29th were given a dividend of $0.23 per share. This represents a $0.92 annualized dividend and a yield of 0.9%. The ex-dividend date of this dividend was Friday, May 29th. Bread Financial’s payout ratio is presently 7.53%.

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.