Royal Bank Of Canada Reiterates “Sector Perform” Rating for Bread Financial (NYSE:BFH)

Bread Financial (NYSE:BFH)‘s stock had its “sector perform” rating reaffirmed by stock analysts at Royal Bank Of Canada in a note issued to investors on Friday,Benzinga reports. They presently have a $115.00 price target on the stock. Royal Bank Of Canada’s target price indicates a potential upside of 14.23% from the stock’s current price.

Other equities analysts also recently issued reports about the company. Bank of America reissued a “buy” rating and issued a $108.00 target price on shares of Bread Financial in a research report on Wednesday, June 10th. TD Cowen reiterated a “hold” rating on shares of Bread Financial in a research note on Friday. Barclays set a $109.00 price objective on Bread Financial and gave the company an “equal weight” rating in a report on Friday. BTIG Research raised their price objective on Bread Financial from $105.00 to $132.00 and gave the stock a “buy” rating in a research note on Tuesday, June 30th. Finally, Morgan Stanley lifted their target price on Bread Financial from $98.00 to $102.00 and gave the stock an “equal weight” rating in a report on Monday. Eight equities research analysts have rated the stock with a Buy rating, six have issued a Hold rating and one has issued a Sell rating to the company. Based on data from MarketBeat.com, the stock currently has an average rating of “Hold” and an average price target of $108.67.

Bread Financial Stock Down 2.8%

Shares of BFH stock traded down $2.91 during trading hours on Friday, reaching $100.67. 27,750 shares of the company’s stock were exchanged, compared to its average volume of 756,021. Bread Financial has a fifty-two week low of $53.83 and a fifty-two week high of $109.91. The stock’s 50 day moving average is $97.00 and its 200-day moving average is $84.01. The company has a current ratio of 1.15, a quick ratio of 1.15 and a debt-to-equity ratio of 0.25. The company has a market cap of $4.07 billion, a price-to-earnings ratio of 8.25, a P/E/G ratio of 0.90 and a beta of 1.10.

Bread Financial (NYSE:BFH) last issued its quarterly earnings results on Thursday, July 23rd. The company reported $3.55 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $2.74 by $0.81. Bread Financial had a net margin of 11.90% and a return on equity of 18.79%. The business had revenue of $993.00 million for the quarter, compared to analyst estimates of $959.32 million. During the same quarter in the prior year, the business posted $3.15 EPS. Bread Financial’s revenue for the quarter was up 6.9% compared to the same quarter last year. Analysts predict that Bread Financial will post 11.02 earnings per share for the current fiscal year.

Insider Activity

In other Bread Financial news, Director John J. Fawcett purchased 698 shares of the stock in a transaction that occurred 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 of the company’s stock, valued at $950,730. The trade was a 6.78% increase in their position. The acquisition was disclosed in a document filed with the SEC, which is available through the SEC website. Also, CEO Ralph J. Andretta sold 15,000 shares of the business’s stock in a transaction that occurred on Friday, May 29th. The stock was sold at an average price of $89.10, for a total value of $1,336,500.00. Following the transaction, the chief executive officer owned 582,241 shares in the company, valued at approximately $51,877,673.10. This represents a 2.51% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Company insiders own 1.30% of the company’s stock.

Hedge Funds Weigh In On Bread Financial

Several large investors have recently modified their holdings of the business. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. raised its holdings in Bread Financial by 4.5% in the 1st quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 29,589 shares of the company’s stock valued at $1,482,000 after buying an additional 1,286 shares during the period. Millennium Management LLC lifted its holdings in shares of Bread Financial by 46.5% in the 1st quarter. Millennium Management LLC now owns 345,902 shares of the company’s stock worth $17,323,000 after acquiring an additional 109,864 shares during the last quarter. Goldman Sachs Group Inc. boosted its position in shares of Bread Financial by 104.8% during the 1st quarter. Goldman Sachs Group Inc. now owns 736,604 shares of the company’s stock worth $36,889,000 after purchasing an additional 376,920 shares during the period. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC increased its holdings in Bread Financial by 3.0% in the 1st quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC now owns 157,833 shares of the company’s stock valued at $7,904,000 after purchasing an additional 4,624 shares during the last quarter. Finally, Strs Ohio acquired a new stake in Bread Financial in the 1st quarter valued at approximately $65,000. Institutional investors and hedge funds own 99.52% of the company’s stock.

More Bread Financial News

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

• Positive Sentiment: Bread Financial beat second-quarter estimates on both earnings and revenue, with EPS of $3.55 versus expectations of $2.74 and revenue of $993 million versus $959.3 million expected. Bread Financial Reports Second Quarter 2026 Results
• Positive Sentiment: The company declared quarterly dividends on preferred and common stock, including a $0.23 per share dividend on common shares, reinforcing its capital-return story. Bread Financial Declares Dividends on Preferred and Common Stock
• Positive Sentiment: Management’s performance update for June showed enough stability in credit trends to support the upbeat earnings reaction. Bread Financial Provides Performance Update for June 2026
• Neutral Sentiment: The earnings call transcript and related coverage may provide more detail on loan performance and outlook, but the headline takeaway remains the strong quarterly beat. Bread Financial Holdings, Inc. (BFH) Q2 2026 Earnings Call Transcript

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.