TD Cowen Increases Bread Financial (NYSE:BFH) Price Target to $103.00

Posted by Brenda Bartman on Jul 7th, 2026

Bread Financial (NYSE:BFH – Get Free Report) had its price target raised by equities researchers at TD Cowen from $95.00 to $103.00 in a research note issued on Tuesday,Benzinga reports. The brokerage presently has a “hold” rating on the stock. TD Cowen’s target price indicates a potential downside of 1.85% from the stock’s current price.

Other equities research analysts have also recently issued reports about the stock. Morgan Stanley set a $98.00 target price on shares of Bread Financial in a report on Friday, April 24th. Loop Capital started coverage on Bread Financial in a report on Thursday, May 21st. They set a “buy” rating and a $104.00 price target for the company. UBS Group boosted their price target on Bread Financial from $94.00 to $120.00 and gave the stock a “buy” rating in a research report on Tuesday. BTIG Research upped their price objective on Bread Financial from $105.00 to $132.00 and gave the company a “buy” rating in a research note on Tuesday, June 30th. Finally, Keefe, Bruyette & Woods reaffirmed an “outperform” rating on shares of Bread Financial in a research report on Wednesday, June 10th. One research analyst has rated the stock with a Strong Buy rating, eight have assigned a Buy rating, five have given a Hold rating and one has assigned a Sell rating to the company. Based on data from MarketBeat.com, the company currently has a consensus rating of “Moderate Buy” and an average target price of $107.92.

Check Out Our Latest Analysis on BFH

Bread Financial Stock Up 1.4%

BFH traded up $1.42 during trading on Tuesday, reaching $104.94. 29,083 shares of the stock were exchanged, compared to its average volume of 762,298. The stock has a market cap of $4.24 billion, a P/E ratio of 8.59, a price-to-earnings-growth ratio of 0.90 and a beta of 1.10. Bread Financial has a twelve month low of $53.83 and a twelve month high of $109.91. The stock’s 50 day moving average price is $93.60 and its two-hundred day moving average price is $81.91. The company has a debt-to-equity ratio of 0.25, a quick ratio of 1.15 and a current ratio of 1.15.

Bread Financial (NYSE:BFH – Get Free Report) last announced its quarterly 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. The firm had revenue of $1.02 billion during the quarter, compared to analysts’ expectations of $992.05 million. Bread Financial had a net margin of 11.90% and a return on equity of 18.79%. During the same quarter last year, the company posted $2.86 earnings per share. The company’s revenue for the quarter was up 4.9% compared to the same quarter last year. Equities analysts expect that Bread Financial will post 10.92 EPS for the current year.

Insider Buying and Selling

In other Bread Financial news, Director Roger H. Ballou sold 9,687 shares of the firm’s stock in a transaction that occurred 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 sale was disclosed in a legal filing with the SEC, which is available at this hyperlink. Also, Director John J. Fawcett acquired 698 shares of the business’s stock in a transaction on Thursday, May 21st. The shares were bought at an average price of $86.43 per share, with a total value of $60,328.14. Following the completion of the transaction, the director directly owned 11,000 shares of the company’s stock, valued at approximately $950,730. The trade was a 6.78% increase in their ownership of the stock. The disclosure for this purchase is available in the SEC filing. 1.30% of the stock is currently owned by insiders.

Institutional Trading of Bread Financial

Several institutional investors have recently added to or reduced their stakes in BFH. Kemnay Advisory Services Inc. acquired a new position in Bread Financial in the 4th quarter valued at $28,000. Cullen Frost Bankers Inc. bought a new position in Bread Financial during the 4th quarter worth $29,000. Northwestern Mutual Wealth Management Co. lifted its holdings 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 buying an additional 329 shares in the last quarter. EverSource Wealth Advisors LLC lifted its holdings in shares of Bread Financial by 127.2% during the second quarter. EverSource Wealth Advisors LLC now owns 711 shares of the company’s stock worth $41,000 after buying an additional 398 shares in the last quarter. Finally, Pacer Advisors Inc. boosted its position in shares of Bread Financial by 58.7% in the first quarter. Pacer Advisors Inc. now owns 614 shares of the company’s stock valued at $46,000 after acquiring an additional 227 shares during the period. 99.52% of the stock is currently owned by institutional investors.

Trending Headlines about Bread Financial

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

Positive Sentiment: Barclays upgraded Bread Financial from underweight to equal weight and raised its price target sharply to $104 from $70, signaling improved confidence in the shares. Bread Financial Stock Rating Upgraded by Barclays
Positive Sentiment: The Goldman Sachs Group lifted its price target on Bread Financial to $108 from $94 while maintaining a neutral rating, reflecting a more favorable valuation view. Bread Financial Price Target Raised to $108.00 at The Goldman Sachs Group
Positive Sentiment: Bread Financial said it will host its second-quarter 2026 earnings conference call on July 23, giving investors a near-term catalyst to assess credit quality, lending trends, and profitability. Bread Financial Schedules Second Quarter 2026 Earnings Conference Call for Jul. 23
Neutral Sentiment: Zacks noted BFH is outperforming its industry and trading near a 52-week high, but framed the stock as a valuation question rather than a clear fresh catalyst. BFH Outperforms Industry, Trades Near 52-Week High: Time to Buy?
Neutral Sentiment: Another Zacks piece compared BFH with Futu on value metrics, which is informational and unlikely to move the stock on its own. BFH or FUTU: Which Is the Better Value Stock Right Now?

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.