Bread Financial (NYSE:BFH) Price Target Raised to $105.00

Bread Financial (NYSE:BFH) had its price objective boosted by equities research analysts at BTIG Research from $98.00 to $105.00 in a research note issued to investors on Thursday,Benzinga reports. The brokerage currently has a “buy” rating on the stock. BTIG Research’s target price suggests a potential upside of 14.00% from the stock’s previous close.

BFH has been the subject of a number of other research reports. The Goldman Sachs Group raised shares of Bread Financial from a “sell” rating to a “hold” rating and set a $84.00 price objective for the company in a report on Tuesday, January 6th. Bank of America set a $92.00 price objective on shares of Bread Financial and gave the company an “overweight” rating in a report on Wednesday, March 11th. Weiss Ratings reaffirmed a “buy (b-)” rating on shares of Bread Financial in a report on Friday, March 27th. Wall Street Zen cut shares of Bread Financial from a “strong-buy” rating to a “buy” rating in a report on Saturday, February 21st. Finally, Zacks Research raised shares of Bread Financial from a “hold” rating to a “strong-buy” rating in a research note on Thursday, April 16th. One investment 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 stock. According to data from MarketBeat, the stock currently has an average rating of “Hold” and a consensus price target of $87.82.

Bread Financial Stock Down 0.4%

BFH opened at $92.10 on Thursday. Bread Financial has a fifty-two week low of $46.04 and a fifty-two week high of $99.13. The company has a debt-to-equity ratio of 0.27, a quick ratio of 1.17 and a current ratio of 1.17. The company has a fifty day moving average of $76.32 and a two-hundred day moving average of $71.50. The stock has a market capitalization of $3.81 billion, a price-to-earnings ratio of 8.50, a PEG ratio of 1.39 and a beta of 1.11.

Bread Financial (NYSE:BFH) last released its quarterly earnings data on Thursday, April 23rd. The company reported $4.18 earnings per share for the quarter, beating analysts’ consensus estimates of $3.00 by $1.18. Bread Financial had a net margin of 11.02% and a return on equity of 17.92%. The company had revenue of $1.02 billion during the quarter, compared to analysts’ expectations of $992.05 million. During the same quarter in the previous year, the company earned $2.86 earnings per share. The firm’s revenue for the quarter was up 4.9% on a year-over-year basis. On average, research analysts expect that Bread Financial will post 9.62 earnings per share for the current year.

Bread Financial announced that its board has approved a share repurchase program on Thursday, February 26th that authorizes the company to buyback $600.00 million in shares. This buyback authorization authorizes the company to reacquire up to 19% of its shares through open market purchases. Shares buyback programs are usually a sign that the company’s leadership believes its shares are undervalued.

Institutional Trading of Bread Financial

A number of institutional investors and hedge funds have recently modified their holdings of BFH. Kemnay Advisory Services Inc. purchased a new stake in shares of Bread Financial during the fourth quarter worth about $28,000. Cullen Frost Bankers Inc. purchased a new stake in shares of Bread Financial during the fourth quarter worth about $29,000. Northwestern Mutual Wealth Management Co. increased its stake in shares of Bread Financial by 141.2% during the third quarter. Northwestern Mutual Wealth Management Co. now owns 562 shares of the company’s stock worth $31,000 after purchasing an additional 329 shares in the last quarter. EverSource Wealth Advisors LLC increased its stake in shares of Bread Financial by 127.2% during the second quarter. EverSource Wealth Advisors LLC now owns 711 shares of the company’s stock worth $41,000 after purchasing an additional 398 shares in the last quarter. Finally, Caitong International Asset Management Co. Ltd increased its stake in shares of Bread Financial by 8,300.0% during the third quarter. Caitong International Asset Management Co. Ltd now owns 840 shares of the company’s stock worth $47,000 after purchasing an additional 830 shares in the last quarter. Hedge funds and other institutional investors own 99.52% of the company’s stock.

Key Headlines Impacting Bread Financial

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

• Positive Sentiment: Q1 beat on both EPS and revenue — BFH reported $4.18 EPS vs. $3.00 consensus and $1.02B revenue vs. ~$992M expected; profitability (net margin ~11%) and ROE (~17.9%) improved year-over-year, supporting the upside reaction. Bread Financial Reports First Quarter 2026 Results
• Positive Sentiment: Dividend declared — Board approved a quarterly common dividend of $0.23/share (ex-dividend May 29), signaling cash-return discipline that tends to support valuation for income-focused investors. Bread Financial Declares Dividends on Preferred and Common Stock
• Neutral Sentiment: Company-provided performance tables — BFH released March performance metrics (net principal loss & delinquency tables); investors will parse these for signs of credit deterioration or improvement, which will materially affect forward earnings. Bread Financial Provides Performance Update for March 2026
• Neutral Sentiment: Management commentary and slides available — The earnings-call transcript and investor presentation give color on loan loss trends, underwriting, growth initiatives and guidance assumptions; these details will guide near-term analyst revisions. Earnings Call Transcript Earnings Presentation
• Negative Sentiment: Analyst views split on sustainability of rally — some analysts warn the stock rally may be hard to sustain without consistent credit improvement and visibility into loan growth; expect volatility if future quarters don’t replicate the beat. BFH Earnings Due April 23 But Analysts Split On Rally Sustainability

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.