Bread Financial (NYSE:BFH) Rating Lowered to Hold at Zacks Research

Bread Financial (NYSE:BFH) was downgraded by research analysts at Zacks Research from a “strong-buy” rating to a “hold” rating in a research report issued on Monday,Zacks.com reports.

Several other analysts also recently weighed in on BFH. UBS Group lifted their target price on shares of Bread Financial from $94.00 to $120.00 and gave the company a “buy” rating in a report on Tuesday. The Goldman Sachs Group lifted their price objective on Bread Financial from $94.00 to $108.00 and gave the company a “neutral” rating in a research note on Tuesday. Loop Capital started coverage on Bread Financial in a research note on Thursday, May 21st. They set a “buy” rating and a $104.00 target price on the stock. Barclays raised Bread Financial from an “underweight” rating to an “equal weight” rating and lifted their target price for the company from $70.00 to $104.00 in a research report on Tuesday. Finally, BTIG Research boosted their price target on shares of Bread Financial from $105.00 to $132.00 and gave the stock a “buy” rating in a research note on Tuesday, June 30th. Eight investment analysts have rated the stock with a Buy rating, six have issued a Hold rating and one has assigned a Sell rating to the company’s stock. According to MarketBeat.com, Bread Financial has an average rating of “Hold” and a consensus price target of $107.92.

Bread Financial Stock Down 0.9%

Shares of NYSE:BFH opened at $102.57 on Monday. The company has a market capitalization of $4.14 billion, a price-to-earnings ratio of 8.40, a PEG ratio of 0.92 and a beta of 1.10. Bread Financial has a 12-month low of $53.83 and a 12-month high of $109.91. The business has a 50-day moving average price of $93.93 and a 200 day moving average price of $82.09. The company has a current ratio of 1.15, a quick ratio of 1.15 and a debt-to-equity ratio of 0.25.

Bread Financial (NYSE:BFH) last posted its earnings results on Thursday, April 23rd. The company reported $4.18 EPS for the quarter, beating analysts’ consensus estimates of $3.00 by $1.18. Bread Financial had a net margin of 11.90% and a return on equity of 18.79%. The company had revenue of $1.02 billion for the quarter, compared to analysts’ expectations of $992.05 million. During the same quarter in the prior year, the company posted $2.86 earnings per share. Bread Financial’s revenue for the quarter was up 4.9% compared to the same quarter last year. Sell-side analysts expect that Bread Financial will post 10.92 EPS for the current year.

Insider Buying and Selling

In related news, Director Roger H. Ballou sold 9,687 shares of the stock in a transaction on Friday, April 24th. The stock was sold at an average price of $90.32, for a total value of $874,929.84. Following the transaction, the director owned 30,079 shares of the company’s stock, valued at $2,716,735.28. This represents a 24.36% decrease in their ownership of the stock. The transaction was disclosed in a filing with the SEC, which is available through this hyperlink. Also, Director John J. Fawcett purchased 698 shares of the business’s stock in a transaction on Thursday, May 21st. The stock was acquired at an average price of $86.43 per share, for a total transaction of $60,328.14. Following the completion of the purchase, the director owned 11,000 shares of the company’s stock, valued at $950,730. This represents a 6.78% increase in their ownership of the stock. The disclosure for this purchase is available in the SEC filing. Insiders own 1.30% of the company’s stock.

Hedge Funds Weigh In On Bread Financial

Institutional investors and hedge funds have recently added to or reduced their stakes in the business. Kemnay Advisory Services Inc. purchased a new position in shares of Bread Financial in the 4th quarter valued at $28,000. Cullen Frost Bankers Inc. purchased a new position in shares of Bread Financial during the fourth quarter worth about $29,000. Northwestern Mutual Wealth Management Co. increased its position 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 lifted its holdings in shares of Bread Financial by 127.2% in the 2nd quarter. EverSource Wealth Advisors LLC now owns 711 shares of the company’s stock valued at $41,000 after purchasing an additional 398 shares during the last quarter. Finally, Pacer Advisors Inc. boosted its position in shares of Bread Financial by 58.7% in the 1st quarter. Pacer Advisors Inc. now owns 614 shares of the company’s stock valued at $46,000 after purchasing an additional 227 shares during the period. 99.52% of the stock is owned by institutional investors and hedge funds.

Trending Headlines about Bread Financial

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

• Positive Sentiment: UBS raised its price target on Bread Financial to $120 from $94 and kept a buy rating, implying meaningful upside versus the current share price. Benzinga article
• Positive Sentiment: Barclays upgraded Bread Financial from underweight to equal weight and lifted its target to $104 from $70, signaling a more constructive view on the stock. Benzinga article
• Positive Sentiment: Goldman Sachs increased its price target to $108 from $94 while maintaining a neutral rating, adding to the broader trend of higher valuation expectations for BFH. Benzinga article
• Neutral Sentiment: TD Cowen also raised its target to $103 from $95 but kept a hold rating, which suggests limited near-term upside from its perspective. Benzinga article
• Neutral Sentiment: Bread Financial scheduled its second-quarter 2026 earnings conference call for July 23, keeping investors focused on upcoming results and management commentary. GlobeNewswire article
• Neutral Sentiment: A Zacks piece noted BFH has been outperforming its industry and trading near a 52-week high, with commentary pointing to solid credit sales and proactive risk management. Zacks article

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.