Bread Financial Q4 EPS Estimate Increased by Seaport Res Ptn

Bread Financial Holdings, Inc. (NYSE:BFH) – Equities researchers at Seaport Res Ptn increased their Q4 2025 earnings per share estimates for shares of Bread Financial in a research note issued to investors on Monday, September 29th. Seaport Res Ptn analyst W. Ryan now forecasts that the company will post earnings per share of ($0.06) for the quarter, up from their prior estimate of ($0.15). The consensus estimate for Bread Financial’s current full-year earnings is $6.45 per share.

Bread Financial (NYSE:BFH) last announced its quarterly earnings data on Thursday, July 24th. The company reported $3.14 earnings per share for the quarter, topping the consensus estimate of $1.85 by $1.29. The business had revenue of $929.00 million during the quarter, compared to the consensus estimate of $944.69 million. Bread Financial had a return on equity of 13.10% and a net margin of 6.05%.Bread Financial’s revenue for the quarter was down 1.1% on a year-over-year basis. During the same period in the prior year, the company earned $2.66 EPS. Bread Financial has set its FY 2025 guidance at EPS.

Other equities analysts have also recently issued research reports about the stock. Wall Street Zen cut shares of Bread Financial from a “strong-buy” rating to a “buy” rating in a research report on Saturday, August 9th. BTIG Research set a $105.00 price target on Bread Financial and gave the stock a “buy” rating in a report on Monday, July 14th. Morgan Stanley raised their price target on shares of Bread Financial from $51.00 to $53.00 and gave the stock an “underweight” rating in a research note on Monday. Evercore ISI dropped their price objective on Bread Financial from $68.00 to $64.00 and set an “in-line” rating on the stock in a research note on Tuesday. Finally, Royal Bank Of Canada raised their target price on Bread Financial from $65.00 to $74.00 and gave the stock a “sector perform” rating in a research report on Friday, July 25th. Three equities research analysts have rated the stock with a Buy rating, five have given a Hold rating and three have given a Sell rating to the stock. Based on data from MarketBeat, the company currently has a consensus rating of “Hold” and an average target price of $68.10.

Bread Financial Stock Down 3.9%

Shares of BFH opened at $55.79 on Wednesday. The company has a current ratio of 1.18, a quick ratio of 1.18 and a debt-to-equity ratio of 0.36. Bread Financial has a 12 month low of $38.21 and a 12 month high of $68.01. The stock’s 50-day moving average price is $62.05 and its two-hundred day moving average price is $55.53. The company has a market capitalization of $2.60 billion, a PE ratio of 9.44, a PEG ratio of 0.53 and a beta of 1.46.

Bread Financial Announces Dividend

The company also recently declared a quarterly dividend, which was paid on Friday, September 12th. Stockholders of record on Friday, August 8th were issued a $0.21 dividend. This represents a $0.84 dividend on an annualized basis and a dividend yield of 1.5%. The ex-dividend date of this dividend was Friday, August 8th. Bread Financial’s dividend payout ratio is presently 14.21%.

Bread Financial announced that its Board of Directors has authorized a share buyback program on Wednesday, August 27th that allows the company to repurchase $0.00 in outstanding shares. This repurchase authorization allows the company to repurchase shares of its stock through open market purchases. Stock repurchase programs are generally an indication that the company’s board believes its shares are undervalued.

Insider Activity at Bread Financial

In other news, Director John J. Fawcett acquired 1,027 shares of Bread Financial stock in a transaction that occurred on Wednesday, July 30th. The stock was bought at an average price of $61.79 per share, with a total value of $63,458.33. Following the completion of the purchase, the director owned 10,302 shares in the company, valued at approximately $636,560.58. The trade was a 11.07% increase in their ownership of the stock. The purchase was disclosed in a legal filing with the SEC, which is available through this link. Company insiders own 0.62% of the company’s stock.

Institutional Inflows and Outflows

Institutional investors have recently made changes to their positions in the company. Curat Global LLC purchased a new position in Bread Financial during the first quarter worth about $28,000. Quarry LP boosted its position in Bread Financial by 947.5% during the first quarter. Quarry LP now owns 639 shares of the company’s stock valued at $32,000 after buying an additional 578 shares during the period. EverSource Wealth Advisors LLC boosted its holdings in Bread Financial by 127.2% during the 2nd quarter. EverSource Wealth Advisors LLC now owns 711 shares of the company’s stock valued at $41,000 after acquiring an additional 398 shares during the period. BOK Financial Private Wealth Inc. bought a new position in shares of Bread Financial in the second quarter worth approximately $42,000. Finally, Versant Capital Management Inc grew its holdings in Bread Financial by 182.8% in the 1st quarter. Versant Capital Management Inc now owns 1,298 shares of the company’s stock worth $65,000 after acquiring an additional 839 shares during the last quarter. Institutional investors own 99.52% of the company’s stock.

Bread Financial Company Profile

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.