FY2026 EPS Estimate for Bread Financial Increased by Analyst

Bread Financial Holdings, Inc. (NYSE:BFH) – Research analysts at Zacks Research raised their FY2026 earnings per share (EPS) estimates for Bread Financial in a research report issued on Thursday, August 6th. Zacks Research analyst Team now anticipates that the company will earn $11.78 per share for the year, up from their prior forecast of $10.38. Zacks Research has a “Hold” rating on the stock. The consensus estimate for Bread Financial’s current full-year earnings is $12.10 per share. Zacks Research also issued estimates for Bread Financial’s FY2027 earnings at $11.51 EPS, Q2 2028 earnings at $3.00 EPS and FY2028 earnings at $12.48 EPS.

Several other equities research analysts have also recently weighed in on BFH. Bank of America reaffirmed a “buy” rating and set a $108.00 price objective on shares of Bread Financial in a research report on Wednesday, June 10th. Seaport Research Partners reissued a “buy” rating and issued a $119.00 target price on shares of Bread Financial in a report on Monday, July 27th. Keefe, Bruyette & Woods restated an “outperform” rating on shares of Bread Financial in a research report on Wednesday, June 10th. The Goldman Sachs Group upped their price target on shares of Bread Financial from $94.00 to $108.00 and gave the stock a “neutral” rating in a report on Tuesday, July 7th. Finally, Morgan Stanley set a $107.00 price target on shares of Bread Financial in a research report on Friday, July 24th. Eight analysts have rated the stock with a Buy rating, six have assigned a Hold rating and one has assigned a Sell rating to the stock. According to MarketBeat.com, the stock has a consensus rating of “Hold” and a consensus target price of $110.58.

Bread Financial Stock Performance

BFH opened at $107.95 on Monday. The company has a debt-to-equity ratio of 0.25, a quick ratio of 1.17 and a current ratio of 1.17. Bread Financial has a 52-week low of $53.83 and a 52-week high of $114.12. The firm has a market cap of $4.15 billion, a P/E ratio of 8.42, a price-to-earnings-growth ratio of 0.69 and a beta of 1.11. The business’s fifty day moving average is $102.10 and its 200-day moving average is $86.88.

Bread Financial (NYSE:BFH) last announced its quarterly earnings data on Thursday, July 23rd. The company reported $3.55 earnings per share for the quarter, beating the consensus estimate of $2.74 by $0.81. The firm had revenue of $992.00 million during the quarter, compared to analysts’ expectations of $959.32 million. Bread Financial had a return on equity of 18.42% and a net margin of 11.95%.The company’s quarterly revenue was up 6.9% compared to the same quarter last year. During the same period in the previous year, the firm earned $3.15 EPS.

Bread Financial Dividend Announcement

The firm also recently announced a quarterly dividend, which will be paid on Tuesday, September 15th. Shareholders of record on Monday, August 31st will be given a $0.23 dividend. This represents a $0.92 dividend on an annualized basis and a yield of 0.9%. The ex-dividend date is Monday, August 31st. Bread Financial’s payout ratio is currently 7.18%.

Insider Buying and Selling at Bread Financial

In other news, Director Praniti Lakhwara sold 2,802 shares of the firm’s stock in a transaction that occurred on Tuesday, July 28th. The shares were sold at an average price of $106.12, for a total value of $297,348.24. Following the sale, the director directly owned 4,458 shares in the company, valued at approximately $473,082.96. This trade represents a 38.60% decrease in their position. The transaction was disclosed in a document filed with the SEC, which is accessible through this hyperlink. Also, CEO Ralph J. Andretta sold 15,000 shares of Bread Financial stock in a transaction that occurred on Friday, May 29th. The shares were sold at an average price of $89.10, for a total transaction of $1,336,500.00. Following the sale, the chief executive officer directly owned 582,241 shares in the company, valued at $51,877,673.10. This trade represents a 2.51% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Company insiders own 1.30% of the company’s stock.

Institutional Trading of Bread Financial

A number of hedge funds have recently added to or reduced their stakes in BFH. Kemnay Advisory Services Inc. acquired a new position in shares of Bread Financial during the fourth quarter worth $28,000. Cullen Frost Bankers Inc. bought a new position in shares of Bread Financial in the 4th quarter valued at $29,000. Northwestern Mutual Wealth Management Co. boosted its holdings in shares of Bread Financial by 141.2% during the 3rd quarter. Northwestern Mutual Wealth Management Co. now owns 562 shares of the company’s stock valued at $31,000 after acquiring an additional 329 shares in the last quarter. Pacer Advisors Inc. boosted its holdings in shares of Bread Financial by 58.7% during the 1st quarter. Pacer Advisors Inc. now owns 614 shares of the company’s stock valued at $46,000 after acquiring an additional 227 shares in the last quarter. Finally, EverSource Wealth Advisors LLC grew its position in Bread Financial by 127.2% during the 2nd quarter. EverSource Wealth Advisors LLC now owns 711 shares of the company’s stock worth $41,000 after acquiring an additional 398 shares during the last quarter. 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.