Brokerages Set Bread Financial Holdings, Inc. (NYSE:BFH) PT at $80.09

Bread Financial Holdings, Inc. (NYSE:BFH) has been assigned a consensus recommendation of “Hold” from the fifteen brokerages that are covering the stock, Marketbeat Ratings reports. Three equities research analysts have rated the stock with a sell recommendation, six have given a hold recommendation and six have given a buy recommendation to the company. The average 1 year price target among brokerages that have covered the stock in the last year is $81.0833.

Several research analysts have recently weighed in on the stock. Zacks Research cut shares of Bread Financial from a “strong-buy” rating to a “hold” rating in a report on Monday, December 22nd. Evercore raised shares of Bread Financial from a “hold” rating to an “outperform” rating and set a $90.00 price objective on the stock in a research report on Thursday, February 5th. Barclays upped their target price on shares of Bread Financial from $61.00 to $64.00 and gave the stock an “underweight” rating in a research note on Friday, January 30th. Wall Street Zen cut Bread Financial from a “strong-buy” rating to a “buy” rating in a report on Saturday, February 21st. Finally, Keefe, Bruyette & Woods lifted their price target on Bread Financial from $82.00 to $92.00 and gave the company an “outperform” rating in a research note on Friday, January 2nd.

Hedge Funds Weigh In On Bread Financial

A number of large investors have recently bought and sold shares of the company. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. raised its holdings in shares of Bread Financial by 4.5% in the first quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 29,589 shares of the company’s stock valued at $1,482,000 after purchasing an additional 1,286 shares during the last quarter. Millennium Management LLC boosted its holdings in Bread Financial by 46.5% during the first quarter. Millennium Management LLC now owns 345,902 shares of the company’s stock worth $17,323,000 after purchasing an additional 109,864 shares during the last quarter. Goldman Sachs Group Inc. grew its position in Bread Financial by 104.8% in the first quarter. Goldman Sachs Group Inc. now owns 736,604 shares of the company’s stock valued at $36,889,000 after purchasing an additional 376,920 shares in the last quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC grew its position in Bread Financial by 3.0% in the first 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 in the last quarter. Finally, Strs Ohio acquired a new stake in Bread Financial in the 1st quarter valued at $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: Ford partnership: Bread Financial struck a long‑term agreement with Ford to launch a co‑branded credit card and installment loan program, which can boost originations, card volumes, loyalty-driven spend and fee income while broadening customer access to subscriptions, parts and services. Ford and Bread Financial Accelerate Customer Benefits with New Financing Program
• Neutral Sentiment: February performance update: Bread Financial published net principal loss and delinquency tables for February; management provided metrics but no headline surprises in the release itself — this gives investors updated credit trend visibility but no clear directional shock. Bread Financial Provides Performance Update for February 2026
• Neutral Sentiment: Comparative coverage: A head‑to‑head piece comparing Bread Financial to Applied Digital circulated but contains general sector/valuation context rather than company‑moving news. Useful for relative valuation checks but not a stock catalyst. Head to Head Analysis: Applied Digital versus Bread Financial
• Negative Sentiment: Analyst tweaks from Zacks: Zacks Research issued a set of small EPS revisions (minor raises to some near‑term quarters and FY2026, slight trims to Q4‑2027 and FY2028) and kept a “Hold” rating — mixed changes that are unlikely to materially lift sentiment but could limit upside if expectations are nudged lower. (Source: MarketBeat summary of Zacks notes) Bread Financial (BFH) — MarketBeat

Bread Financial Trading Up 2.1%

NYSE BFH opened at $74.10 on Monday. The firm has a market cap of $3.19 billion, a P/E ratio of 6.84, a P/E/G ratio of 0.46 and a beta of 1.20. The company has a debt-to-equity ratio of 0.27, a current ratio of 1.17 and a quick ratio of 1.17. The stock’s 50-day moving average is $73.81 and its 200-day moving average is $68.20. Bread Financial has a one year low of $38.21 and a one year high of $82.03.

Bread Financial (NYSE:BFH) last issued its quarterly earnings data on Thursday, January 29th. The company reported $2.07 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.40 by $1.67. Bread Financial had a return on equity of 17.92% and a net margin of 11.02%.The business had revenue of $975.00 million during the quarter, compared to analyst estimates of $954.74 million. During the same period in the previous year, the firm earned $0.41 EPS. Sell-side analysts anticipate that Bread Financial will post 6.45 earnings per share for the current fiscal year.

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

Bread Financial Dividend Announcement

The company also recently disclosed a quarterly dividend, which will be paid on Monday, March 16th. Investors of record on Friday, February 27th will be issued a dividend of $0.23 per share. The ex-dividend date is Friday, February 27th. This represents a $0.92 dividend on an annualized basis and a dividend yield of 1.2%. Bread Financial’s dividend payout ratio (DPR) is presently 8.49%.

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.