Bread Financial (BFH) – Analysts’ Weekly Ratings Updates

A number of research firms have changed their ratings and price targets for Bread Financial (NYSE: BFH):

• 7/27/2026 – Bread Financial had its “buy” rating reaffirmed by Seaport Research Partners. They now have a $119.00 price target on the stock.
• 7/24/2026 – Bread Financial had its “buy (b)” rating reaffirmed by Weiss Ratings.
• 7/24/2026 – Bread Financial was given a new $107.00 price target by Morgan Stanley.
• 7/24/2026 – Bread Financial had its price target raised by TD Cowen from $103.00 to $114.00. They now have a “hold” rating on the stock.
• 7/24/2026 – Bread Financial had its price target raised by Barclays PLC from $104.00 to $109.00. They now have an “equal weight” rating on the stock.
• 7/24/2026 – Bread Financial had its “sector perform” rating reaffirmed by Royal Bank Of Canada. They now have a $115.00 price target on the stock.
• 7/20/2026 – Bread Financial had its price target raised by Morgan Stanley from $98.00 to $102.00. They now have an “equal weight” rating on the stock.
• 7/7/2026 – Bread Financial had its price target raised by TD Cowen from $95.00 to $103.00. They now have a “hold” rating on the stock.
• 7/7/2026 – Bread Financial had its price target raised by UBS Group AG from $94.00 to $120.00. They now have a “buy” rating on the stock.
• 7/7/2026 – Bread Financial had its price target raised by The Goldman Sachs Group, Inc. from $94.00 to $108.00. They now have a “neutral” rating on the stock.
• 7/7/2026 – Bread Financial was upgraded by Barclays PLC from “underweight” to “equal weight”. They now have a $104.00 price target on the stock, up from $70.00.
• 7/6/2026 – Bread Financial had its “outperform” rating reaffirmed by Evercore Inc. They now have a $116.00 price target on the stock.
• 7/6/2026 – Bread Financial was downgraded by Zacks Research from “strong-buy” to “hold”.
• 6/30/2026 – Bread Financial had its price target raised by BTIG Research from $105.00 to $132.00. They now have a “buy” rating on the stock.
• 6/13/2026 – Bread Financial was upgraded by Wall Street Zen from “hold” to “buy”.
• 6/12/2026 – Bread Financial had its price target raised by Royal Bank Of Canada from $105.00 to $115.00. They now have a “sector perform” rating on the stock.
• 6/10/2026 – Bread Financial had its “buy” rating reaffirmed by Bank of America Corporation. They now have a $108.00 price target on the stock.
• 6/10/2026 – Bread Financial had its “positive” rating reaffirmed by Wolfe Research.
• 6/10/2026 – Bread Financial had its “outperform” rating reaffirmed by Keefe, Bruyette & Woods.

Bread Financial Announces Dividend

The firm also recently declared a quarterly dividend, which will be paid on Tuesday, September 15th. Shareholders of record on Monday, August 31st will be given a dividend of $0.23 per share. This represents a $0.92 dividend on an annualized basis and a yield of 0.9%. The ex-dividend date of this dividend is Monday, August 31st. Bread Financial’s payout ratio is 7.18%.

Insider Buying and Selling at Bread Financial

In other Bread Financial news, Director John J. Fawcett purchased 698 shares of the company’s stock in a transaction that occurred on Thursday, May 21st. The shares were acquired at an average price of $86.43 per share, for a total transaction of $60,328.14. Following the purchase, the director owned 11,000 shares in the company, valued at approximately $950,730. The trade was a 6.78% increase in their ownership of the stock. The acquisition was disclosed in a document filed with the SEC, which is accessible through this link. Also, CEO Ralph J. Andretta sold 15,000 shares of the firm’s stock in a transaction on Friday, May 29th. The shares were sold at an average price of $89.10, for a total value of $1,336,500.00. Following the sale, the chief executive officer directly owned 582,241 shares of the company’s stock, valued at $51,877,673.10. This represents a 2.51% decrease in their position. The SEC filing for this sale provides additional information. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Corporate insiders own 1.30% of the company’s stock.

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.