Bread Financial (BFH) to Release Earnings on Thursday

Bread Financial (NYSE:BFH) is anticipated to post its Q3 2025 results before the market opens on Thursday, October 23rd. Analysts expect Bread Financial to post earnings of $2.25 per share and revenue of $974.3030 million for the quarter. Bread Financial has set its FY 2025 guidance at EPS.Parties can check the company’s upcoming Q3 2025 earningsummary page for the latest details on the call scheduled for Thursday, October 23, 2025 at 8:30 AM ET.

Bread Financial (NYSE:BFH) last released its earnings results on Thursday, July 24th. The company reported $3.14 EPS for the quarter, topping the consensus estimate of $1.85 by $1.29. Bread Financial had a return on equity of 13.10% and a net margin of 6.05%.The business had revenue of $929.00 million for the quarter, compared to the consensus estimate of $944.69 million. During the same period in the previous year, the company posted $2.66 earnings per share. The company’s revenue for the quarter was down 1.1% compared to the same quarter last year. On average, analysts expect Bread Financial to post $6 EPS for the current fiscal year and $9 EPS for the next fiscal year.

Bread Financial Price Performance

Shares of NYSE:BFH opened at $61.03 on Wednesday. The business has a fifty day moving average price of $60.98 and a 200-day moving average price of $56.32. The company has a debt-to-equity ratio of 0.36, a current ratio of 1.18 and a quick ratio of 1.18. The company has a market capitalization of $2.85 billion, a PE ratio of 10.33, a PEG ratio of 0.54 and a beta of 1.41. Bread Financial has a 1-year low of $38.21 and a 1-year high of $68.01.

Bread Financial Dividend Announcement

The company also recently announced a quarterly dividend, which was paid on Friday, September 12th. Shareholders of record on Friday, August 8th were issued a $0.21 dividend. The ex-dividend date of this dividend was Friday, August 8th. This represents a $0.84 annualized dividend and a yield of 1.4%. Bread Financial’s payout ratio is 14.21%.

Bread Financial declared that its Board of Directors has initiated a stock repurchase program on Wednesday, August 27th that permits the company to repurchase $0.00 in shares. This repurchase authorization permits the company to purchase shares of its stock through open market purchases. Shares repurchase programs are typically a sign 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, for a total transaction of $63,458.33. Following the completion of the transaction, the director owned 10,302 shares in the company, valued at $636,560.58. The trade was a 11.07% increase in their ownership of the stock. The purchase was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through this hyperlink. 0.62% of the stock is owned by insiders.

Institutional Investors Weigh In On Bread Financial

Several hedge funds and other institutional investors have recently made changes to their positions in the business. Bank of America Corp DE lifted its stake in shares of Bread Financial by 241.1% in the 2nd quarter. Bank of America Corp DE now owns 537,656 shares of the company’s stock worth $30,711,000 after purchasing an additional 380,039 shares during the period. Goldman Sachs Group Inc. increased its holdings in Bread Financial by 104.8% during the first quarter. Goldman Sachs Group Inc. now owns 736,604 shares of the company’s stock valued at $36,889,000 after buying an additional 376,920 shares during the last quarter. Basswood Capital Management L.L.C. raised its position in Bread Financial by 73.6% in the second quarter. Basswood Capital Management L.L.C. now owns 308,964 shares of the company’s stock worth $17,648,000 after acquiring an additional 130,939 shares during the period. Millennium Management LLC raised its position in Bread Financial by 46.5% in the first quarter. Millennium Management LLC now owns 345,902 shares of the company’s stock worth $17,323,000 after acquiring an additional 109,864 shares during the period. Finally, Balyasny Asset Management L.P. purchased a new position in shares of Bread Financial during the 2nd quarter worth $4,304,000. Hedge funds and other institutional investors own 99.52% of the company’s stock.

Analysts Set New Price Targets

A number of equities research analysts have recently commented on the stock. Wall Street Zen cut shares of Bread Financial from a “strong-buy” rating to a “buy” rating in a report on Saturday, August 9th. Weiss Ratings reiterated a “hold (c+)” rating on shares of Bread Financial in a research note on Wednesday, October 8th. Barclays decreased their price target on Bread Financial from $52.00 to $50.00 and set an “underweight” rating for the company in a research note on Monday, October 6th. Morgan Stanley upped their price target on Bread Financial from $51.00 to $53.00 and gave the company an “underweight” rating in a report on Monday, September 29th. Finally, Evercore ISI reduced their price objective on Bread Financial from $68.00 to $64.00 and set an “in-line” rating for the company in a report on Tuesday, September 30th. Three research analysts have rated the stock with a Buy rating, six have assigned a Hold rating and three have given a Sell rating to the company’s stock. Based on data from MarketBeat.com, the company presently has an average rating of “Hold” and an average target price of $66.20.

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.