Bread Financial Q3 EPS Estimate Raised by Zacks Research

Bread Financial Holdings, Inc. (NYSE:BFH) – Investment analysts at Zacks Research lifted their Q3 2026 earnings per share estimates for shares of Bread Financial in a research report issued on Thursday, August 6th. Zacks Research analyst Team now forecasts that the company will post earnings per share of $3.10 for the quarter, up from their previous forecast of $2.95. Zacks Research currently has a “Hold” rating on the stock. The consensus estimate for Bread Financial’s current full-year earnings is $11.82 per share. Zacks Research also issued estimates for Bread Financial’s Q4 2026 earnings at $0.98 EPS, Q1 2027 earnings at $2.42 EPS, Q2 2027 earnings at $2.39 EPS, Q3 2027 earnings at $4.34 EPS, Q4 2027 earnings at $2.37 EPS and Q1 2028 earnings at $2.66 EPS.

Bread Financial (NYSE:BFH) last posted its quarterly earnings results on Thursday, July 23rd. The company reported $3.55 earnings per share for the quarter, topping analysts’ consensus estimates of $2.74 by $0.81. Bread Financial had a return on equity of 18.42% and a net margin of 11.95%.The business had revenue of $992.00 million for the quarter, compared to the consensus estimate of $959.32 million. During the same period in the prior year, the business earned $3.15 EPS. The firm’s revenue for the quarter was up 6.9% on a year-over-year basis.

A number of other equities analysts have also weighed in on BFH. Loop Capital began coverage on Bread Financial in a research report on Thursday, May 21st. They set a “buy” rating and a $104.00 target price on the stock. UBS Group lifted their price target on shares of Bread Financial from $120.00 to $127.00 and gave the company a “buy” rating in a research report on Monday. BTIG Research boosted their price target on shares of Bread Financial from $105.00 to $132.00 and gave the company a “buy” rating in a research note on Tuesday, June 30th. Evercore restated an “outperform” rating and set a $116.00 price objective on shares of Bread Financial in a report on Monday, July 6th. Finally, TD Cowen raised their price objective on shares of Bread Financial from $103.00 to $114.00 and gave the company a “hold” rating in a research note on Friday, July 24th. Eight research analysts have rated the stock with a Buy rating, six have issued a Hold rating and one has given a Sell rating to the stock. Based on data from MarketBeat.com, Bread Financial currently has a consensus rating of “Hold” and an average target price of $110.58.

Bread Financial Trading Down 2.3%

Shares of Bread Financial stock opened at $109.80 on Friday. The company has a debt-to-equity ratio of 0.25, a quick ratio of 1.17 and a current ratio of 1.17. Bread Financial has a 52 week low of $53.83 and a 52 week high of $114.12. The stock has a 50 day moving average price of $101.35 and a two-hundred day moving average price of $86.37. The stock has a market capitalization of $4.22 billion, a PE ratio of 8.56, a price-to-earnings-growth ratio of 0.73 and a beta of 1.11.

Hedge Funds Weigh In On Bread Financial

A number of hedge funds have recently bought and sold shares of the company. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. lifted its position in shares of Bread Financial by 4.5% during the first quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 29,589 shares of the company’s stock valued at $1,482,000 after purchasing an additional 1,286 shares in the last quarter. Millennium Management LLC boosted its holdings in Bread Financial by 46.5% during the first quarter. Millennium Management LLC now owns 345,902 shares of the company’s stock worth $17,323,000 after purchasing an additional 109,864 shares during the last quarter. Goldman Sachs Group Inc. grew its position in Bread Financial by 104.8% in the 1st quarter. Goldman Sachs Group Inc. now owns 736,604 shares of the company’s stock worth $36,889,000 after purchasing an additional 376,920 shares in the last quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC grew its position in Bread Financial by 3.0% in the 1st quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC now owns 157,833 shares of the company’s stock worth $7,904,000 after purchasing an additional 4,624 shares in the last quarter. Finally, Strs Ohio purchased a new stake in Bread Financial in the 1st quarter valued at about $65,000. 99.52% of the stock is owned by hedge funds and other institutional investors.

Insider Activity

In related news, CEO Ralph J. Andretta sold 15,000 shares of Bread Financial stock in a transaction that occurred on Friday, May 29th. The stock was sold at an average price of $89.10, for a total transaction of $1,336,500.00. Following the transaction, the chief executive officer owned 582,241 shares of the company’s stock, valued at $51,877,673.10. The trade was a 2.51% decrease in their ownership of the stock. The sale was disclosed in a filing with the Securities & Exchange Commission, which is available at this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, Director Praniti Lakhwara sold 2,802 shares of the company’s stock in a transaction on Tuesday, July 28th. The stock was sold at an average price of $106.12, for a total value of $297,348.24. Following the sale, the director owned 4,458 shares of the company’s stock, valued at $473,082.96. This trade represents a 38.60% decrease in their position. The SEC filing for this sale provides additional information. Corporate insiders own 1.30% of the company’s stock.

Bread Financial Dividend Announcement

The business also recently announced a quarterly dividend, which will be paid on Tuesday, September 15th. Stockholders of record on Monday, August 31st will be issued a $0.23 dividend. This represents a $0.92 dividend on an annualized basis and a dividend yield of 0.8%. The ex-dividend date is Monday, August 31st. Bread Financial’s dividend payout ratio (DPR) is currently 7.18%.

About Bread Financial

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.