Zacks Research Expects Stronger Earnings for Bread Financial

Bread Financial Holdings, Inc. (NYSE:BFH) – Stock analysts at Zacks Research lifted their Q1 2025 earnings per share estimates for Bread Financial in a research note issued to investors on Wednesday, February 12th. Zacks Research analyst T. De now expects that the company will earn $1.60 per share for the quarter, up from their prior forecast of $1.54. The consensus estimate for Bread Financial’s current full-year earnings is $6.63 per share. Zacks Research also issued estimates for Bread Financial’s Q2 2025 earnings at $1.48 EPS, Q3 2025 earnings at $1.77 EPS, Q1 2026 earnings at $1.27 EPS, Q2 2026 earnings at $2.16 EPS, Q3 2026 earnings at $1.87 EPS and Q4 2026 earnings at $2.16 EPS.

Bread Financial (NYSE:BFH) last released its quarterly earnings data on Thursday, January 30th. The company reported $0.41 EPS for the quarter, topping the consensus estimate of $0.34 by $0.07. Bread Financial had a return on equity of 12.41% and a net margin of 5.75%.

A number of other brokerages also recently weighed in on BFH. TD Cowen upped their price objective on shares of Bread Financial from $48.00 to $50.00 and gave the stock a “hold” rating in a research report on Monday, October 28th. Compass Point upped their price target on Bread Financial from $75.00 to $87.00 and gave the stock a “buy” rating in a report on Tuesday, January 21st. Evercore ISI raised their price objective on Bread Financial from $52.00 to $54.00 and gave the company an “in-line” rating in a report on Wednesday, October 30th. Morgan Stanley upgraded Bread Financial from an “underweight” rating to an “overweight” rating and boosted their price objective for the company from $35.00 to $76.00 in a research report on Thursday, December 19th. Finally, Keefe, Bruyette & Woods increased their target price on Bread Financial from $67.00 to $88.00 and gave the company an “outperform” rating in a research report on Monday, December 9th. Two equities research analysts have rated the stock with a sell rating, nine have given a hold rating and five have given a buy rating to the stock. According to data from MarketBeat.com, Bread Financial currently has a consensus rating of “Hold” and a consensus price target of $59.69.

Bread Financial Stock Performance

Shares of NYSE BFH opened at $61.30 on Friday. The company has a market capitalization of $3.05 billion, a PE ratio of 11.05, a price-to-earnings-growth ratio of 1.34 and a beta of 1.93. The company has a debt-to-equity ratio of 0.33, a quick ratio of 1.19 and a current ratio of 1.15. The company’s fifty day moving average price is $62.32 and its 200 day moving average price is $56.24. Bread Financial has a 1 year low of $32.10 and a 1 year high of $66.71.

Hedge Funds Weigh In On Bread Financial

Institutional investors have recently added to or reduced their stakes in the stock. O Shaughnessy Asset Management LLC increased its stake in shares of Bread Financial by 2.5% in the 4th quarter. O Shaughnessy Asset Management LLC now owns 7,248 shares of the company’s stock worth $443,000 after acquiring an additional 175 shares during the last quarter. Ameritas Investment Partners Inc. increased its position in Bread Financial by 3.7% during the fourth quarter. Ameritas Investment Partners Inc. now owns 5,202 shares of the company’s stock worth $318,000 after purchasing an additional 184 shares during the last quarter. CIBC Asset Management Inc raised its stake in Bread Financial by 4.4% during the fourth quarter. CIBC Asset Management Inc now owns 4,872 shares of the company’s stock worth $297,000 after purchasing an additional 206 shares during the period. GAMMA Investing LLC boosted its holdings in Bread Financial by 33.5% in the 3rd quarter. GAMMA Investing LLC now owns 1,035 shares of the company’s stock valued at $49,000 after purchasing an additional 260 shares during the last quarter. Finally, Pallas Capital Advisors LLC boosted its holdings in Bread Financial by 6.2% in the 3rd quarter. Pallas Capital Advisors LLC now owns 4,778 shares of the company’s stock valued at $239,000 after purchasing an additional 278 shares during the last quarter. Hedge funds and other institutional investors own 99.52% of the company’s stock.

Bread Financial Dividend Announcement

The business also recently declared a quarterly dividend, which will be paid on Friday, March 21st. Stockholders of record on Friday, February 14th will be given a $0.21 dividend. The ex-dividend date is Friday, February 14th. This represents a $0.84 dividend on an annualized basis and a dividend yield of 1.37%. Bread Financial’s dividend payout ratio (DPR) is presently 15.14%.

About Bread Financial

Bread Financial Holdings, Inc provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, account origination, and funding services for private label and co-brand credit card programs, as well as through Bread partnerships; and Comenity-branded general purpose cash-back credit.