FY2027 EPS Estimate for Bread Financial Decreased by Analyst

Bread Financial Holdings, Inc. (NYSE:BFH) – Research analysts at Zacks Research decreased their FY2027 earnings per share estimates for Bread Financial in a research report issued on Tuesday, June 30th. Zacks Research analyst Team now expects that the company will post earnings of $11.10 per share for the year, down from their previous estimate of $11.12. Zacks Research currently has a “Strong-Buy” rating on the stock. The consensus estimate for Bread Financial’s current full-year earnings is $10.62 per share. Zacks Research also issued estimates for Bread Financial’s Q1 2028 earnings at $2.84 EPS.

Bread Financial (NYSE:BFH) last issued its quarterly earnings data on Thursday, April 23rd. The company reported $4.18 earnings per share for the quarter, topping the consensus estimate of $3.00 by $1.18. Bread Financial had a return on equity of 18.79% and a net margin of 11.90%.The company had revenue of $1.02 billion for the quarter, compared to analysts’ expectations of $992.05 million. During the same period in the previous year, the firm posted $2.86 earnings per share. The firm’s revenue for the quarter was up 4.9% on a year-over-year basis.

Several other equities research analysts have also recently issued reports on BFH. Loop Capital began coverage on shares of Bread Financial in a research report on Thursday, May 21st. They issued a “buy” rating and a $104.00 price objective for the company. TD Cowen raised their target price on shares of Bread Financial from $80.00 to $95.00 and gave the stock a “hold” rating in a research report on Friday, April 24th. Wolfe Research reaffirmed a “positive” rating on shares of Bread Financial in a research note on Wednesday, June 10th. Morgan Stanley set a $98.00 price target on Bread Financial in a report on Friday, April 24th. Finally, Bank of America reissued a “buy” rating and issued a $108.00 price objective on shares of Bread Financial in a research note on Wednesday, June 10th. One equities research analyst has rated the stock with a Strong Buy rating, eight have given a Buy rating, four have given a Hold rating and two have issued a Sell rating to the company. According to MarketBeat.com, the stock presently has an average rating of “Moderate Buy” and an average price target of $98.67.

Bread Financial Price Performance

Shares of BFH stock opened at $108.49 on Wednesday. Bread Financial has a 52-week low of $53.83 and a 52-week high of $109.91. The company has a debt-to-equity ratio of 0.25, a quick ratio of 1.15 and a current ratio of 1.15. The firm has a market capitalization of $4.38 billion, a P/E ratio of 8.89, a P/E/G ratio of 0.99 and a beta of 1.12. The stock has a 50 day moving average price of $92.69 and a 200 day moving average price of $81.10.

Bread Financial Announces Dividend

The business also recently announced a quarterly dividend, which was paid on Monday, June 15th. Shareholders of record on Friday, May 29th were given a dividend of $0.23 per share. This represents a $0.92 annualized dividend and a yield of 0.8%. The ex-dividend date of this dividend was Friday, May 29th. Bread Financial’s payout ratio is currently 7.53%.

Insider Buying and Selling at Bread Financial

In other news, CEO Ralph J. Andretta sold 15,000 shares of the company’s stock in a transaction on Friday, May 29th. The shares were sold at an average price of $89.10, for a total value of $1,336,500.00. Following the sale, the chief executive officer directly owned 582,241 shares of the company’s stock, valued at $51,877,673.10. This represents a 2.51% decrease in their position. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is accessible through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, Director Roger H. Ballou sold 9,687 shares of the company’s stock in a transaction on Friday, April 24th. The shares were sold at an average price of $90.32, for a total transaction of $874,929.84. Following the completion of the sale, the director directly owned 30,079 shares in the company, valued at $2,716,735.28. This trade represents a 24.36% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. 1.30% of the stock is currently owned by company insiders.

Institutional Inflows and Outflows

A number of institutional investors and hedge funds have recently added to or reduced their stakes in the business. Daiwa Securities Group Inc. boosted its holdings in Bread Financial by 5.6% in the fourth quarter. Daiwa Securities Group Inc. now owns 3,535 shares of the company’s stock valued at $262,000 after purchasing an additional 187 shares during the last quarter. Pacer Advisors Inc. raised its stake 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 buying an additional 227 shares during the last quarter. Vista Investment Management raised its stake in shares of Bread Financial by 1.1% during the 4th quarter. Vista Investment Management now owns 22,858 shares of the company’s stock valued at $1,692,000 after buying an additional 241 shares during the last quarter. Corient Private Wealth LLC lifted its holdings in shares of Bread Financial by 6.6% in the 4th quarter. Corient Private Wealth LLC now owns 4,206 shares of the company’s stock valued at $311,000 after buying an additional 259 shares during the period. Finally, Lazard Asset Management LLC lifted its holdings in shares of Bread Financial by 1.7% in the 1st quarter. Lazard Asset Management LLC now owns 16,576 shares of the company’s stock valued at $1,241,000 after buying an additional 272 shares during the period. 99.52% of the stock is currently owned by institutional investors and hedge funds.

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.