Universal Beteiligungs und Servicegesellschaft mbH Decreases Position in Bread Financial Holdings, Inc. $BFH

Universal Beteiligungs und Servicegesellschaft mbH decreased its position in Bread Financial Holdings, Inc. (NYSE:BFH) by 50.1% during the 3rd quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission. The fund owned 25,802 shares of the company’s stock after selling 25,893 shares during the period. Universal Beteiligungs und Servicegesellschaft mbH owned about 0.06% of Bread Financial worth $1,439,000 as of its most recent SEC filing.

Several other institutional investors and hedge funds have also bought and sold shares of the company. EverSource Wealth Advisors LLC raised its stake in shares of Bread Financial by 127.2% in the second quarter. EverSource Wealth Advisors LLC now owns 711 shares of the company’s stock valued at $41,000 after buying an additional 398 shares during the period. BOK Financial Private Wealth Inc. purchased a new stake in Bread Financial in the 2nd quarter worth about $42,000. Salomon & Ludwin LLC raised its stake in Bread Financial by 136.2% in the 3rd quarter. Salomon & Ludwin LLC now owns 888 shares of the company’s stock valued at $49,000 after acquiring an additional 512 shares during the period. Strs Ohio purchased a new stake in Bread Financial during the first quarter valued at about $65,000. Finally, CWM LLC lifted its holdings in Bread Financial by 18.3% during the third quarter. CWM LLC now owns 2,978 shares of the company’s stock valued at $166,000 after purchasing an additional 461 shares during the last quarter. 99.52% of the stock is owned by institutional investors.

Bread Financial News Roundup

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

• Positive Sentiment: Q4 results materially beat expectations — strong EPS and revenue, with management highlighting improved credit metrics and solid margins, which supports near-term profitability. MarketBeat Earnings Summary
• Positive Sentiment: BTIG reaffirmed a “buy” rating and maintained a $98 price target (significant upside vs. the current share level), offering a bullish analyst counterpoint that may support the stock. TickerReport: BTIG Coverage
• Positive Sentiment: Company commentary and investor materials indicate low single-digit loan growth guidance for 2026 and improving credit metrics (delinquencies down year-over-year), which reduces downside risk from credit cycles. Seeking Alpha: Credit Metrics Update
• Neutral Sentiment: Bread declared a quarterly common dividend of $0.23 per share (payable March 16, ex-dividend Feb 27), providing modest income but not a large yield. GlobeNewswire: Dividend Notice
• Neutral Sentiment: Company performance update published December metrics (net loss rate 7.4%, delinquency ~5.8%) — shows improvement vs. prior year but still-elevated loss levels that investors will monitor. GlobeNewswire: Performance Update
• Neutral Sentiment: Earnings call materials and transcript are available for deeper read — useful for investors assessing forward commentary on losses, loan growth and buyback/dividend plans. Seeking Alpha: Earnings Call Transcript
• Negative Sentiment: Morgan Stanley raised its price target to $68 but kept an “underweight” stance — the PT implies downside from current levels and signals caution from a major institutional shop, which can weigh on sentiment. Benzinga: Analyst Note

Analysts Set New Price Targets

Several research firms have recently weighed in on BFH. Morgan Stanley lifted their target price on shares of Bread Financial from $62.00 to $68.00 and gave the stock an “underweight” rating in a research note on Friday. Royal Bank Of Canada reiterated a “sector perform” rating and issued a $83.00 price objective on shares of Bread Financial in a research note on Monday, January 12th. Evercore ISI set a $81.00 target price on shares of Bread Financial in a report on Tuesday, January 6th. BTIG Research restated a “buy” rating and set a $98.00 target price on shares of Bread Financial in a research report on Friday. Finally, Weiss Ratings reiterated a “buy (b-)” rating on shares of Bread Financial in a research report on Monday, December 29th. Four analysts have rated the stock with a Buy rating, seven have issued a Hold rating and three have issued a Sell rating to the company’s stock. According to MarketBeat.com, Bread Financial currently has a consensus rating of “Hold” and a consensus target price of $79.27.

Bread Financial Price Performance

Bread Financial stock opened at $72.60 on Friday. The stock has a market cap of $3.31 billion, a price-to-earnings ratio of 6.70, a PEG ratio of 0.49 and a beta of 1.27. The company has a quick ratio of 1.19, a current ratio of 1.17 and a debt-to-equity ratio of 0.27. The business has a 50-day simple moving average of $73.11 and a 200 day simple moving average of $65.54. Bread Financial Holdings, Inc. has a 52 week low of $38.21 and a 52 week high of $82.03.

Bread Financial (NYSE:BFH) last released its quarterly earnings results on Thursday, January 29th. The company reported $2.07 earnings per share for the quarter, beating the consensus estimate of $0.40 by $1.67. Bread Financial had a return on equity of 17.92% and a net margin of 11.02%.The firm had revenue of $975.00 million for the quarter, compared to analysts’ expectations of $954.74 million. During the same quarter last year, the firm posted $0.41 EPS. On average, research analysts forecast that Bread Financial Holdings, Inc. will post 6.45 earnings per share for the current fiscal year.

Bread Financial declared that its Board of Directors has initiated a stock repurchase program on Thursday, October 23rd that authorizes the company to repurchase $200.00 million in shares. This repurchase authorization authorizes the company to purchase up to 7.1% of its stock through open market purchases. Stock repurchase programs are typically a sign that the company’s board believes its shares are undervalued.

Bread Financial Dividend Announcement

The business also recently declared a quarterly dividend, which will be paid on Monday, March 16th. Shareholders of record on Friday, February 27th will be paid a $0.23 dividend. This represents a $0.92 dividend on an annualized basis and a yield of 1.3%. The ex-dividend date of this dividend is Friday, February 27th. Bread Financial’s payout ratio is currently 8.49%.

Bread Financial Profile

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.