Bread Financial (NYSE:BFH) Stock Gets Price Target Increase from TD Cowen

Bread Financial (NYSE:BFH) had its price target lifted by investment analysts at TD Cowen from $111.00 to $113.00 in a report issued on Friday, Benzinga reports. The brokerage currently has a “hold” rating on the stock. TD Cowen‘s price target points to a potential upside of 10.12% from the company’s previous close.

Several other analysts have also recently issued reports on the company. Royal Bank Of Canada restated a “sector perform” rating and issued a $115.00 target price on shares of Bread Financial in a report on Friday, July 24th. The Goldman Sachs Group lifted their price target on Bread Financial from $94.00 to $108.00 and gave the stock a “neutral” rating in a report on Tuesday, July 7th. Zacks Research cut shares of Bread Financial from a “strong-buy” rating to a “hold” rating in a research report on Tuesday, October 6th. Seaport Research Partners reissued a “buy” rating and issued a $121.00 price objective on shares of Bread Financial in a report on Wednesday, October 7th. Finally, Evercore set a $118.00 price objective on shares of Bread Financial in a research report on Thursday, October 1st. Eight research analysts have rated the stock with a Buy rating, seven have assigned a Hold rating and one has given a Sell rating to the company. According to MarketBeat, the company has a consensus rating of “Hold” and an average target price of $112.21.

Bread Financial Trading Down 5.5%

Shares of Bread Financial stock opened at $102.61 on Friday. The firm has a market capitalization of $3.94 billion, a PE ratio of 7.86, a P/E/G ratio of 0.86 and a beta of 1.15. Bread Financial has a twelve month low of $59.26 and a twelve month high of $114.53. The firm’s 50-day moving average price is $104.63 and its 200 day moving average price is $98.66. The company has a current ratio of 1.17, a quick ratio of 1.17 and a debt-to-equity ratio of 0.25.

Bread Financial (NYSE:BFH) last announced its earnings results on Thursday, October 22nd. The company reported $3.84 earnings per share (EPS) for the quarter, topping the consensus estimate of $3.34 by $0.50. Bread Financial had a net margin of 11.95% and a return on equity of 18.42%. The company had revenue of $1.02 billion for the quarter, compared to analysts’ expectations of $1.01 billion. During the same quarter in the previous year, the company posted $4.02 EPS. The firm’s quarterly revenue was up 4.7% on a year-over-year basis. On average, sell-side analysts predict that Bread Financial will post 12.10 EPS for the current fiscal year.

Insider Buying and Selling at Bread Financial

In other Bread Financial news, Director Praniti Lakhwara sold 2,802 shares of Bread Financial stock in a transaction dated Tuesday, July 28th. The shares were sold at an average price of $106.12, for a total transaction of $297,348.24. Following the completion of the sale, the director directly owned 4,458 shares in the company, valued at $473,082.96. This trade represents a 38.60% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is available at the SEC website. 1.30% of the stock is currently owned by corporate insiders.

Hedge Funds Weigh In On Bread Financial

A number of hedge funds have recently made changes to their positions in BFH. Fifth Third Wealth Advisors LLC acquired a new stake in Bread Financial in the 3rd quarter valued at approximately $585,000. Root Financial Partners LLC acquired a new position in Bread Financial during the third quarter worth $45,000. Reyes Financial Architecture Inc. acquired a new position in Bread Financial during the third quarter worth $74,000. Axxcess Wealth Management LLC purchased a new position in shares of Bread Financial during the third quarter worth $210,000. Finally, Nisa Investment Advisors LLC boosted its position in shares of Bread Financial by 22.1% during the third quarter. Nisa Investment Advisors LLC now owns 4,893 shares of the company’s stock worth $478,000 after buying an additional 886 shares during the period. Hedge funds and other institutional investors own 99.52% of the company’s stock.

Key Bread Financial News

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

• Positive Sentiment: Third-quarter earnings were $3.84 per share, exceeding the $3.34 analyst consensus by $0.50. Revenue rose 4.7% year over year to approximately $1.02 billion, slightly above the $1.01 billion estimate. Bread Financial Q3 earnings
• Positive Sentiment: The board increased BFH’s quarterly common-stock dividend 8.7% to $0.25 per share, payable December 15 to shareholders of record November 30. Preferred-stock dividends were also declared, signaling continued shareholder distributions. Bread Financial dividend announcement
• Positive Sentiment: Bread Financial and Sephora signed a long-term renewal, preserving a major co-brand and loyalty-program relationship that could support future payment volume and customer engagement. Bread Financial and Sephora renewal
• Neutral Sentiment: Management discussed the results and full-year 2026 outlook during the earnings call, while the company released its presentation and performance materials for investors. Q3 2026 earnings call transcript
• Negative Sentiment: Despite beating estimates, quarterly EPS declined from $4.02 a year earlier to $3.84. Investors may also be focused on the September delinquency and net principal loss-rate update, as credit performance remains important for a consumer-finance company. Bread Financial September performance update

About Bread Financial

Bread Financial Holdings, Inc (NYSE: BFH) is a financial services company that provides payment, lending and savings solutions to consumers and businesses. Its offerings include private-label and co-branded credit cards, installment lending, buy now, pay later services and deposit products.

The company operates through its Bread platform, which supports merchants with financing options, payment processing and customer loyalty solutions. Its consumer products have included Bread Cashback credit cards, Bread Pay installment payment services and Bread Savings deposit accounts.

Bread Financial primarily serves consumers and merchants in the United States, with solutions designed for retail, travel, home improvement and other industries.