Zacks Research Weighs in on Bread Financial FY2026 Earnings

Bread Financial Holdings, Inc. (NYSE:BFH) – Equities researchers at Zacks Research dropped their FY2026 EPS estimates for Bread Financial in a note issued to investors on Wednesday, March 26th. Zacks Research analyst T. De now expects that the company will post earnings per share of $7.45 for the year, down from their previous forecast of $7.47. The consensus estimate for Bread Financial’s current full-year earnings is $6.45 per share. Zacks Research also issued estimates for Bread Financial’s Q4 2026 earnings at $2.15 EPS and FY2027 earnings at $9.84 EPS.

Bread Financial (NYSE:BFH) last issued its quarterly earnings data on Thursday, January 30th. The company reported $0.41 earnings per share for the quarter, topping the consensus estimate of $0.34 by $0.07. Bread Financial had a return on equity of 12.41% and a net margin of 5.75%.

Several other research firms also recently weighed in on BFH. The Goldman Sachs Group reduced their target price on Bread Financial from $68.00 to $58.00 and set a “sell” rating for the company in a report on Tuesday, March 18th. JMP Securities restated a “market perform” rating on shares of Bread Financial in a research report on Monday, February 3rd. Barclays upped their price target on Bread Financial from $51.00 to $53.00 and gave the stock an “underweight” rating in a research note on Friday, January 31st. Royal Bank of Canada boosted their price objective on shares of Bread Financial from $62.00 to $68.00 and gave the company a “sector perform” rating in a research note on Friday, January 31st. Finally, Compass Point boosted their price target on shares of Bread Financial from $75.00 to $87.00 and gave the stock a “buy” rating in a research note on Tuesday, January 21st. Two research analysts have rated the stock with a sell rating, nine have issued a hold rating and five have assigned a buy rating to the company. According to MarketBeat.com, the company has a consensus rating of “Hold” and an average target price of $59.69.

Bread Financial Stock Down 2.6 %

BFH stock opened at $49.95 on Friday. Bread Financial has a fifty-two week low of $32.10 and a fifty-two week high of $66.71. The company’s 50 day moving average price is $56.42 and its 200 day moving average price is $56.09. The company has a debt-to-equity ratio of 0.33, a quick ratio of 1.15 and a current ratio of 1.15. The firm has a market capitalization of $2.45 billion, a price-to-earnings ratio of 9.00, a PEG ratio of 1.25 and a beta of 1.96.

Bread Financial Announces Dividend

The company also recently declared a quarterly dividend, which was paid on Friday, March 21st. Investors of record on Friday, February 14th were paid a dividend of $0.21 per share. The ex-dividend date of this dividend was Friday, February 14th. This represents a $0.84 annualized dividend and a yield of 1.68%. Bread Financial’s dividend payout ratio is 15.14%.

Bread Financial announced that its Board of Directors has authorized a share repurchase plan on Wednesday, March 5th that permits the company to repurchase $150.00 million in outstanding shares. This repurchase authorization permits the company to purchase up to 6% of its stock through open market purchases. Stock repurchase plans are generally a sign that the company’s board of directors believes its stock is undervalued.

Institutional Inflows and Outflows

Hedge funds and other institutional investors have recently bought and sold shares of the company. World Investment Advisors LLC bought a new stake in Bread Financial during the 3rd quarter worth about $810,000. Geode Capital Management LLC lifted its stake in shares of Bread Financial by 1.2% during the third quarter. Geode Capital Management LLC now owns 1,155,989 shares of the company’s stock valued at $55,012,000 after acquiring an additional 13,459 shares during the period. US Bancorp DE raised its holdings in Bread Financial by 15.1% during the 4th quarter. US Bancorp DE now owns 15,087 shares of the company’s stock worth $921,000 after purchasing an additional 1,977 shares during the last quarter. Crossmark Global Holdings Inc. bought a new stake in shares of Bread Financial during the fourth quarter worth approximately $213,000. Finally, Algert Global LLC boosted its stake in Bread Financial by 87.9% in the third quarter. Algert Global LLC now owns 38,500 shares of the company’s stock valued at $1,832,000 after acquiring an additional 18,014 shares during the last quarter. 99.52% of the stock is owned by institutional investors.

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.