Bread Financial Holdings, Inc. (NYSE:BFH) Given Average Rating of “Moderate Buy” by Brokerages

Posted by Geri Gentry on May 30th, 2026

Shares of Bread Financial Holdings, Inc. (NYSE:BFH – Get Free Report) have been assigned an average rating of “Moderate Buy” from the fourteen brokerages that are presently covering the stock, MarketBeat reports. Two research analysts have rated the stock with a sell recommendation, four have given a hold recommendation, seven have assigned a buy recommendation and one has given a strong buy recommendation to the company. The average twelve-month price objective among brokers that have issued a report on the stock in the last year is $94.25.

BFH has been the subject of a number of research analyst reports. Wall Street Zen cut Bread Financial from a “buy” rating to a “hold” rating in a research note on Saturday. Zacks Research upgraded Bread Financial from a “hold” rating to a “strong-buy” rating in a research note on Thursday, April 16th. Keefe, Bruyette & Woods upped their price objective on shares of Bread Financial from $100.00 to $115.00 and gave the company an “outperform” rating in a report on Friday, April 24th. BTIG Research boosted their target price on Bread Financial from $98.00 to $105.00 and gave the company a “buy” rating in a research report on Thursday, April 23rd. Finally, Royal Bank Of Canada set a $105.00 target price on shares of Bread Financial in a research note on Friday, April 24th.

Check Out Our Latest Analysis on Bread Financial

Insiders Place Their Bets

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

Institutional Trading of Bread Financial

Several institutional investors and hedge funds have recently made changes to their positions in BFH. Daiwa Securities Group Inc. increased its position in shares of Bread Financial by 5.6% in the 4th quarter. Daiwa Securities Group Inc. now owns 3,535 shares of the company’s stock worth $262,000 after purchasing an additional 187 shares during the last quarter. Arizona State Retirement System increased its holdings in Bread Financial by 1.4% in the third quarter. Arizona State Retirement System now owns 14,527 shares of the company’s stock valued at $810,000 after buying an additional 200 shares during the last quarter. Illinois Municipal Retirement Fund raised its stake in Bread Financial by 0.9% during the third quarter. Illinois Municipal Retirement Fund now owns 25,186 shares of the company’s stock valued at $1,405,000 after buying an additional 213 shares in the last quarter. Vista Investment Management lifted its holdings in Bread Financial by 1.1% during the 4th quarter. Vista Investment Management now owns 22,858 shares of the company’s stock worth $1,692,000 after buying an additional 241 shares during the last quarter. Finally, Corient Private Wealth LLC grew its position 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 worth $311,000 after acquiring an additional 259 shares in the last quarter. 99.52% of the stock is currently owned by hedge funds and other institutional investors.

Bread Financial Price Performance

Shares of BFH stock opened at $89.07 on Friday. The stock’s 50-day moving average is $82.85 and its 200 day moving average is $75.94. Bread Financial has a 1-year low of $49.17 and a 1-year high of $99.13. The company has a debt-to-equity ratio of 0.25, a current ratio of 1.15 and a quick ratio of 1.15. The company has a market cap of $3.60 billion, a P/E ratio of 7.30, a PEG ratio of 0.83 and a beta of 1.12.

Bread Financial (NYSE:BFH – Get Free Report) last issued its quarterly earnings data on Thursday, April 23rd. The company reported $4.18 earnings per share (EPS) for the quarter, topping 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 firm had revenue of $1.02 billion for the quarter, compared to the consensus estimate of $992.05 million. During the same quarter in the previous year, the firm earned $2.86 EPS. The company’s quarterly revenue was up 4.9% compared to the same quarter last year. Research analysts predict that Bread Financial will post 10.59 earnings per share for the current fiscal year.

Bread Financial Announces Dividend

The company also recently disclosed a quarterly dividend, which will be paid on Monday, June 15th. Investors of record on Friday, May 29th will be paid a $0.23 dividend. This represents a $0.92 annualized dividend and a yield of 1.0%. The ex-dividend date of this dividend is Friday, May 29th. Bread Financial’s dividend payout ratio (DPR) is presently 7.53%.

Bread Financial declared that its Board of Directors has initiated a stock repurchase program on Thursday, February 26th that permits the company to buyback $600.00 million in shares. This buyback authorization permits the company to purchase up to 19% of its shares through open market purchases. Shares buyback programs are typically an indication that the company’s board believes its stock is undervalued.

Bread Financial Company Profile

(Get Free Report)

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.