FY2026 EPS Forecast for Bread Financial Increased by Analyst

Posted by George Bondi on Nov 6th, 2026

Bread Financial Holdings, Inc. (NYSE:BFH – Free Report) – Zacks Research boosted their FY2026 earnings per share (EPS) estimates for Bread Financial in a report issued on Thursday, November 5th. Zacks Research analyst Team now forecasts that the company will post earnings of $12.55 per share for the year, up from their prior estimate of $11.78. Zacks Research currently has a “Hold” rating on the stock. The consensus estimate for Bread Financial’s current full-year earnings is $12.51 per share. Zacks Research also issued estimates for Bread Financial’s Q2 2027 earnings at $2.53 EPS, Q3 2027 earnings at $4.11 EPS, Q4 2027 earnings at $2.48 EPS, FY2027 earnings at $12.09 EPS, Q2 2028 earnings at $2.65 EPS, Q3 2028 earnings at $4.51 EPS and FY2028 earnings at $12.76 EPS.

Bread Financial (NYSE:BFH – Get Free Report) last released its earnings results on Thursday, October 22nd. The company reported $3.84 earnings per share for the quarter, topping analysts’ consensus estimates of $3.34 by $0.50. Bread Financial had a return on equity of 17.24% and a net margin of 11.19%. The business had revenue of $1.02 billion for the quarter, compared to the consensus estimate of $1.01 billion. During the same period last year, the business earned $4.02 earnings per share. The firm’s revenue for the quarter was up 4.7% compared to the same quarter last year.

Several other equities research analysts have also weighed in on the stock. Weiss Ratings reaffirmed a “buy (b)” rating on shares of Bread Financial in a report on Thursday, October 22nd. Seaport Research Partners set a $123.00 price target on shares of Bread Financial in a report on Friday, October 23rd. Royal Bank Of Canada restated a “sector perform” rating and issued a $115.00 price target on shares of Bread Financial in a research report on Friday, July 24th. Wells Fargo & Company began coverage on shares of Bread Financial in a research note on Friday, September 11th. They set an “equal weight” rating and a $115.00 price objective on the stock. Finally, Wolfe Research raised shares of Bread Financial from a “peer perform” rating to an “outperform” rating and set a $130.00 price objective for the company in a report on Tuesday, August 25th. Eight equities research analysts have rated the stock with a Buy rating, eight have assigned a Hold rating and one has given a Sell rating to the company. Based on data from MarketBeat.com, the company presently has an average rating of “Hold” and an average target price of $111.71.

Read Our Latest Report on BFH

Bread Financial Stock Performance

Bread Financial stock opened at $102.83 on Friday. The firm has a market capitalization of $3.90 billion, a P/E ratio of 8.11, a P/E/G ratio of 0.80 and a beta of 1.26. The stock has a fifty day moving average price of $103.69 and a two-hundred day moving average price of $92.30. Bread Financial has a 52-week low of $59.26 and a 52-week high of $114.53. The company has a debt-to-equity ratio of 0.24, a current ratio of 1.16 and a quick ratio of 1.16.

Bread Financial Increases Dividend

The firm also recently disclosed a quarterly dividend, which will be paid on Tuesday, December 15th. Investors of record on Monday, November 30th will be paid a dividend of $0.25 per share. This represents a $1.00 annualized dividend and a yield of 1.0%. The ex-dividend date of this dividend is Monday, November 30th. This is a boost from Bread Financial’s previous quarterly dividend of $0.23. Bread Financial’s dividend payout ratio (DPR) is 7.89%.

Insider Buying and Selling at Bread Financial

In related news, Director John Fawcett bought 5,000 shares of the company’s stock in a transaction on Wednesday, October 28th. The shares were purchased at an average cost of $24.70 per share, for a total transaction of $123,500.00. Following the acquisition, the director owned 5,000 shares of the company’s stock, valued at approximately $123,500. This represents a ∞ increase in their position. The purchase was disclosed in a filing with the SEC, which can be accessed through this link. 1.30% of the stock is owned by company insiders.

Hedge Funds Weigh In On Bread Financial

Large investors have recently added to or reduced their stakes in the company. Fifth Third Bancorp boosted its position in shares of Bread Financial by 11.4% during the third quarter. Fifth Third Bancorp now owns 16,643 shares of the company’s stock worth $1,627,000 after buying an additional 1,700 shares during the period. Maryland State Retirement & Pension System grew its holdings in shares of Bread Financial by 45.3% during the third quarter. Maryland State Retirement & Pension System now owns 8,575 shares of the company’s stock worth $838,000 after buying an additional 2,674 shares in the last quarter. Ritholtz Wealth Management raised its position in Bread Financial by 21.7% in the 3rd quarter. Ritholtz Wealth Management now owns 58,185 shares of the company’s stock valued at $5,688,000 after buying an additional 10,356 shares during the last quarter. Keybank National Association OH acquired a new stake in Bread Financial in the 3rd quarter valued at approximately $268,000. Finally, Fulcrum Asset Management LLP raised its position in Bread Financial by 1,426.6% in the 3rd quarter. Fulcrum Asset Management LLP now owns 36,882 shares of the company’s stock valued at $3,691,000 after buying an additional 34,466 shares during the last quarter. Institutional investors own 99.52% of the company’s stock.

About Bread Financial

(Get Free Report)

Bread Financial Holdings, Inc (NYSE: BFH) is a financial services company that provides payment, lending and savings solutions to consumers and businesses. Its offerings include private-label and co-branded credit cards, installment lending, buy now, pay later services and deposit products.

The company operates through its Bread platform, which supports merchants with financing options, payment processing and customer loyalty solutions. Its consumer products have included Bread Cashback credit cards, Bread Pay installment payment services and Bread Savings deposit accounts.

Bread Financial primarily serves consumers and merchants in the United States, with solutions designed for retail, travel, home improvement and other industries.