Bread Financial (BFH) Projected to Post Quarterly Earnings on Thursday

Key Points

• Q1 2026 results due before market open on April 23, 2026 at 8:30 AM ET; analysts expect EPS $2.99 and revenue of about $992.05 million.
• The board authorized a $600 million stock buyback (up to 19% of shares), and the company pays a quarterly dividend of $0.23 per share (annualized $0.92, ~1.1% yield).
• In the prior quarter Bread Financial beat estimates with $2.07 EPS vs $0.40 expected and $975 million revenue; analysts forecast ~$6 EPS for the current fiscal year and ~$9 for next year, with a consensus "Hold" rating and $81.92 target.

Bread Financial (NYSE:BFH - Get Free Report) is expected to be issuing its Q1 2026 results before the market opens on Thursday, April 23rd. Analysts expect the company to announce earnings of $2.99 per share and revenue of $992.0510 million for the quarter. Individuals may visit the the company's upcoming Q1 2026 earning results page for the latest details on the call scheduled for Thursday, April 23, 2026 at 8:30 AM ET.

Bread Financial (NYSE:BFH - Get Free Report) last posted its earnings results on Thursday, January 29th. The company reported $2.07 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $0.40 by $1.67. Bread Financial had a net margin of 11.02% and a return on equity of 17.92%. The firm had revenue of $975.00 million during the quarter, compared to the consensus estimate of $954.74 million. During the same quarter in the prior year, the company earned $0.41 EPS. 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

Bread Financial stock opened at $83.28 on Thursday. The firm has a fifty day moving average of $74.65 and a 200-day moving average of $70.16. Bread Financial has a 52-week low of $44.57 and a 52-week high of $83.92. The company has a quick ratio of 1.17, a current ratio of 1.17 and a debt-to-equity ratio of 0.27. The firm has a market capitalization of $3.45 billion, a P/E ratio of 7.68, a PEG ratio of 1.26 and a beta of 1.11.

Bread Financial announced that its Board of Directors has authorized a stock buyback program on Thursday, February 26th that authorizes the company to repurchase $600.00 million in shares. This repurchase authorization authorizes the company to buy up to 19% of its shares through open market purchases. Shares repurchase programs are usually a sign that the company's board of directors believes its shares are undervalued.

Bread Financial Dividend Announcement

The firm also recently declared a quarterly dividend, which was paid on Monday, March 16th. Investors of record on Friday, February 27th were given a dividend of $0.23 per share. This represents a $0.92 dividend on an annualized basis and a yield of 1.1%. The ex-dividend date of this dividend was Friday, February 27th. Bread Financial's dividend payout ratio is 8.49%.

Analysts Set New Price Targets

BFH has been the topic of several analyst reports. Wall Street Zen downgraded Bread Financial from a "strong-buy" rating to a "buy" rating in a report on Saturday, February 21st. The Goldman Sachs Group upgraded Bread Financial from a "sell" rating to a "hold" rating and set a $84.00 price target for the company in a report on Tuesday, January 6th. Evercore raised shares of Bread Financial from a "hold" rating to an "outperform" rating and set a $90.00 price objective for the company in a research report on Thursday, February 5th. Royal Bank Of Canada set a $90.00 price objective on shares of Bread Financial and gave the company a "sector perform" rating in a research note on Friday, April 10th. Finally, TD Cowen upped their target price on shares of Bread Financial from $85.00 to $88.00 and gave the company a "hold" rating in a research note on Friday, January 30th. Six analysts have rated the stock with a Buy rating, six have given a Hold rating and three have given a Sell rating to the stock. According to data from MarketBeat.com, the stock currently has a consensus rating of "Hold" and a consensus target price of $81.92.

Hedge Funds Weigh In On Bread Financial

Institutional investors have recently made changes to their positions in the business. Kemnay Advisory Services Inc. acquired a new position in shares of Bread Financial in the 4th quarter valued at about $28,000. Northwestern Mutual Wealth Management Co. lifted its holdings in Bread Financial by 141.2% in the third quarter. Northwestern Mutual Wealth Management Co. now owns 562 shares of the company's stock worth $31,000 after acquiring an additional 329 shares during the last quarter. EverSource Wealth Advisors LLC boosted its stake in 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 acquiring an additional 398 shares during the period. Caitong International Asset Management Co. Ltd boosted its stake in Bread Financial by 8,300.0% in the third quarter. Caitong International Asset Management Co. Ltd now owns 840 shares of the company's stock valued at $47,000 after acquiring an additional 830 shares during the period. Finally, Quarry LP grew its holdings in shares of Bread Financial by 1,509.1% during the third quarter. Quarry LP now owns 885 shares of the company's stock valued at $49,000 after purchasing an additional 830 shares during the last quarter. 99.52% of the stock is owned by institutional investors and hedge funds.

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.

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