Brokers Issue Forecasts for Bread Financial FY2026 Earnings

Bread Financial Holdings, Inc. (NYSE:BFH) – Zacks Research reduced their FY2026 earnings per share estimates for Bread Financial in a research note issued on Wednesday, March 26th. Zacks Research analyst T. De now expects that the company will post earnings per share of $7.45 for the year, down from their prior forecast of $7.47. 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 2026 earnings at $2.15 EPS and FY2027 earnings at $9.84 EPS.

Bread Financial (NYSE:BFH) last posted its earnings results on Thursday, January 30th. The company reported $0.41 EPS for the quarter, topping the consensus estimate of $0.34 by $0.07. Bread Financial had a net margin of 5.75% and a return on equity of 12.41%.

A number of other research firms also recently issued reports on BFH. JMP Securities reiterated a “market perform” rating on shares of Bread Financial in a report on Monday, February 3rd. Keefe, Bruyette & Woods boosted their price target on Bread Financial from $67.00 to $88.00 and gave the stock an “outperform” rating in a research report on Monday, December 9th. Royal Bank of Canada upped their price target on Bread Financial from $62.00 to $68.00 and gave the stock a “sector perform” rating in a research note on Friday, January 31st. Barclays lifted their price objective on Bread Financial from $51.00 to $53.00 and gave the company an “underweight” rating in a research note on Friday, January 31st. Finally, The Goldman Sachs Group cut their target price on Bread Financial from $68.00 to $58.00 and set a “sell” rating on the stock in a research note on Tuesday, March 18th. Two investment analysts have rated the stock with a sell rating, nine have given a hold rating and five have given a buy rating to the stock. Based on data from MarketBeat, the company presently has a consensus rating of “Hold” and an average price target of $59.69.

Bread Financial Stock Performance

Bread Financial stock opened at $51.32 on Friday. Bread Financial has a fifty-two week low of $32.10 and a fifty-two week high of $66.71. The stock’s 50 day simple moving average is $56.65 and its two-hundred day simple moving average is $56.11. The company has a debt-to-equity ratio of 0.33, a quick ratio of 1.15 and a current ratio of 1.15. The stock has a market cap of $2.52 billion, a price-to-earnings ratio of 9.25, a PEG ratio of 1.25 and a beta of 1.96.

Bread Financial Announces Dividend

The business also recently disclosed a quarterly dividend, which was paid on Friday, March 21st. Stockholders of record on Friday, February 14th were issued a dividend of $0.21 per share. The ex-dividend date of this dividend was Friday, February 14th. This represents a $0.84 annualized dividend and a dividend yield of 1.64%. Bread Financial’s payout ratio is 15.14%.

Bread Financial declared that its board has initiated a share repurchase program on Wednesday, March 5th that allows the company to repurchase $150.00 million in outstanding shares. This repurchase authorization allows the company to buy up to 6% of its shares through open market purchases. Shares repurchase programs are typically an indication that the company’s management believes its stock is undervalued.

Institutional Investors Weigh In On Bread Financial

Several institutional investors and hedge funds have recently added to or reduced their stakes in the stock. Picton Mahoney Asset Management boosted its stake in shares of Bread Financial by 2,083.3% in the 4th quarter. Picton Mahoney Asset Management now owns 524 shares of the company’s stock worth $32,000 after buying an additional 500 shares during the last quarter. Pinnacle Holdings LLC bought a new position in Bread Financial in the fourth quarter valued at about $46,000. Smartleaf Asset Management LLC boosted its position in Bread Financial by 207.7% in the fourth quarter. Smartleaf Asset Management LLC now owns 1,394 shares of the company’s stock worth $86,000 after purchasing an additional 941 shares during the last quarter. KBC Group NV grew its stake in shares of Bread Financial by 36.1% during the 4th quarter. KBC Group NV now owns 2,103 shares of the company’s stock valued at $128,000 after purchasing an additional 558 shares during the period. Finally, Point72 Asia Singapore Pte. Ltd. grew its stake in shares of Bread Financial by 64.6% during the 3rd quarter. Point72 Asia Singapore Pte. Ltd. now owns 2,631 shares of the company’s stock valued at $125,000 after purchasing an additional 1,033 shares during the period. Hedge funds and other institutional investors own 99.52% of the company’s stock.

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.