Q3 EPS Estimates for Bread Financial Raised by Analyst

Key Points

• Zacks Research raised Bread Financial’s Q3 2026 EPS estimate to $3.10 from $2.95, while maintaining a “Hold” rating. Analysts expect full-year 2026 earnings of $11.82 per share.
• Bread Financial recently reported stronger-than-expected quarterly results, with EPS of $3.55 versus the $2.74 consensus and revenue of $992 million, up 6.9% year over year.
• The stock has a consensus “Hold” rating and an average price target of $110.58. Bread Financial also declared a quarterly dividend of $0.23 per share, representing an annualized yield of about 0.8%.

Bread Financial Holdings, Inc. (NYSE:BFH - Free Report) - Equities research analysts at Zacks Research raised their Q3 2026 EPS estimates for shares of Bread Financial in a note issued to investors on Thursday, August 6th. Zacks Research analyst Team now forecasts that the company will post earnings of $3.10 per share for the quarter, up from their previous estimate 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 - Get Free Report) last posted its quarterly earnings results on Thursday, July 23rd. The company reported $3.55 earnings per share (EPS) for the quarter, topping the consensus estimate of $2.74 by $0.81. The business had revenue of $992.00 million for the quarter, compared to analyst estimates of $959.32 million. Bread Financial had a net margin of 11.95% and a return on equity of 18.42%. The firm's revenue for the quarter was up 6.9% on a year-over-year basis. During the same quarter last year, the business posted $3.15 EPS.

Several other equities analysts have also issued reports on the company. UBS Group lifted their price target on Bread Financial from $120.00 to $127.00 and gave the company a "buy" rating in a research note on Monday. Bank of America restated a "buy" rating and set a $108.00 price objective on shares of Bread Financial in a research report on Wednesday, June 10th. Royal Bank Of Canada reaffirmed a "sector perform" rating and issued a $115.00 price objective on shares of Bread Financial in a research note on Friday, July 24th. Barclays lifted their target price on Bread Financial from $104.00 to $109.00 and gave the company an "equal weight" rating in a research report on Friday, July 24th. Finally, Keefe, Bruyette & Woods reissued an "outperform" rating on shares of Bread Financial in a research note on Wednesday, June 10th. Eight analysts have rated the stock with a Buy rating, six have given a Hold rating and one has assigned a Sell rating to the stock. According to data from MarketBeat.com, the stock presently has a consensus rating of "Hold" and an average price target of $110.58.

Bread Financial Stock Down 2.3%

Shares of BFH opened at $109.80 on Friday. The firm has a 50 day simple moving average of $101.35 and a two-hundred day simple moving average of $86.37. The company has a debt-to-equity ratio of 0.25, a current ratio of 1.17 and a quick ratio of 1.17. Bread Financial has a one year low of $53.83 and a one year high of $114.12. The company has a market cap of $4.22 billion, a P/E ratio of 8.56, a P/E/G ratio of 0.73 and a beta of 1.11.

Institutional Trading of Bread Financial

Several institutional investors have recently added to or reduced their stakes in the stock. Millennium Management LLC increased its holdings in Bread Financial by 223.4% in the fourth quarter. Millennium Management LLC now owns 665,812 shares of the company's stock worth $49,290,000 after purchasing an additional 459,916 shares in the last quarter. Bank of America Corp DE boosted its holdings in shares of Bread Financial by 241.1% during the 2nd quarter. Bank of America Corp DE now owns 537,656 shares of the company's stock worth $30,711,000 after buying an additional 380,039 shares in the last quarter. Goldman Sachs Group Inc. grew its position in shares of Bread Financial by 104.8% during the 1st quarter. Goldman Sachs Group Inc. now owns 736,604 shares of the company's stock worth $36,889,000 after buying an additional 376,920 shares during the period. Bank of New York Mellon Corp acquired a new stake in shares of Bread Financial during the 2nd quarter worth approximately $39,468,000. Finally, UBS Group AG increased its stake in shares of Bread Financial by 100.4% in the 4th quarter. UBS Group AG now owns 716,725 shares of the company's stock valued at $53,059,000 after acquiring an additional 359,088 shares in the last quarter. 99.52% of the stock is currently owned by institutional investors.

Insider Activity at Bread Financial

In related news, Director Praniti Lakhwara sold 2,802 shares of the firm's stock in a transaction on Tuesday, July 28th. The stock was sold at an average price of $106.12, for a total transaction of $297,348.24. Following the completion of the transaction, the director directly 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 sale was disclosed in a document filed with the Securities & Exchange Commission, which is available at this hyperlink. Also, Director John J. Fawcett bought 698 shares of the business's stock in a transaction on Thursday, May 21st. The shares were bought at an average cost of $86.43 per share, for a total transaction of $60,328.14. Following the completion of the acquisition, the director directly owned 11,000 shares in the company, valued at approximately $950,730. This trade represents a 6.78% increase in their position. Additional details regarding this purchase are available in the official SEC disclosure. 1.30% of the stock is currently owned by company insiders.

Bread Financial Dividend Announcement

The business also recently disclosed a quarterly dividend, which will be paid on Tuesday, September 15th. Investors 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 yield of 0.8%. The ex-dividend date is Monday, August 31st. Bread Financial's dividend payout ratio is presently 7.18%.

Bread Financial Company 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.

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