Bread Financial Holdings, Inc. (NYSE:BFH) Given Consensus Rating of “Hold” by Brokerages

Posted by Geri Gentry on Jul 12th, 2026

Shares of Bread Financial Holdings, Inc. (NYSE:BFH – Get Free Report) have been given a consensus rating of “Hold” by the fifteen ratings firms that are covering the stock, MarketBeat.com reports. One equities research analyst has rated the stock with a sell recommendation, six have given a hold recommendation and eight have assigned a buy recommendation to the company. The average 12 month target price among brokers that have covered the stock in the last year is $107.9167.

Several equities analysts have recently issued reports on the stock. Zacks Research downgraded shares of Bread Financial from a “strong-buy” rating to a “hold” rating in a report on Monday, July 6th. Royal Bank Of Canada lifted their target price on shares of Bread Financial from $105.00 to $115.00 and gave the stock a “sector perform” rating in a research note on Friday, June 12th. Keefe, Bruyette & Woods reissued an “outperform” rating on shares of Bread Financial in a research report on Wednesday, June 10th. Morgan Stanley set a $98.00 price target on shares of Bread Financial in a research note on Friday, April 24th. Finally, TD Cowen raised their price target on shares of Bread Financial from $95.00 to $103.00 and gave the stock a “hold” rating in a report on Tuesday, July 7th.

View Our Latest Analysis on BFH

Insiders Place Their Bets

In other news, CEO Ralph J. Andretta sold 15,000 shares of the stock in a transaction dated Friday, May 29th. The stock was sold at an average price of $89.10, for a total value of $1,336,500.00. Following the transaction, the chief executive officer directly owned 582,241 shares of the company’s stock, valued at approximately $51,877,673.10. This represents a 2.51% decrease in their ownership of the stock. The sale was disclosed in a document filed 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 firm’s stock in a transaction dated Friday, April 24th. The stock was sold at an average price of $90.32, for a total value of $874,929.84. Following the completion of the transaction, the director owned 30,079 shares of the company’s stock, valued at approximately $2,716,735.28. The trade was 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 insiders.

Hedge Funds Weigh In On Bread Financial

Several hedge funds and other institutional investors have recently bought and sold shares of BFH. Kemnay Advisory Services Inc. purchased a new position in Bread Financial during the 4th quarter worth approximately $28,000. Cullen Frost Bankers Inc. purchased a new stake in shares of Bread Financial in the 4th quarter valued at $29,000. Northwestern Mutual Wealth Management Co. boosted its holdings in shares of Bread Financial by 141.2% in the 3rd quarter. Northwestern Mutual Wealth Management Co. now owns 562 shares of the company’s stock valued at $31,000 after acquiring an additional 329 shares during the last quarter. EverSource Wealth Advisors LLC increased its stake in shares of Bread Financial by 127.2% in the second quarter. EverSource Wealth Advisors LLC now owns 711 shares of the company’s stock worth $41,000 after acquiring an additional 398 shares during the period. Finally, Pacer Advisors Inc. increased its stake in shares of Bread Financial by 58.7% in the first quarter. Pacer Advisors Inc. now owns 614 shares of the company’s stock worth $46,000 after acquiring an additional 227 shares during the period. Institutional investors and hedge funds own 99.52% of the company’s stock.

Bread Financial Stock Up 1.0%

NYSE:BFH traded up $0.94 during mid-day trading on Friday, hitting $96.49. 486,975 shares of the company’s stock traded hands, compared to its average volume of 712,207. The company has a fifty day moving average of $94.45 and a 200 day moving average of $82.43. Bread Financial has a twelve month low of $53.83 and a twelve month high of $109.91. The company has a market capitalization of $3.90 billion, a P/E ratio of 7.90, a P/E/G ratio of 0.85 and a beta of 1.10. 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 released 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 company had revenue of $1.02 billion during the quarter, compared to analysts’ expectations of $992.05 million. Bread Financial had a return on equity of 18.79% and a net margin of 11.90%.The firm’s revenue was up 4.9% compared to the same quarter last year. During the same period last year, the business posted $2.86 earnings per share. On average, analysts forecast that Bread Financial will post 10.98 EPS for the current year.

Bread Financial Dividend Announcement

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

About Bread Financial

(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.