Bread Financial (BFH) Stock Forecast & Price Target

$97.66 -1.24 (-1.25%)

As of 11:01 AM Eastern

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Bread Financial - Analysts' Recommendations and Stock Price Forecast (2026)

Consensus Rating

Moderate Buy

Based on 16 Analyst Ratings

Sell
1

Hold
6

Buy
9

Based on 16 Wall Street analysts who have issued ratings for Bread Financial in the last 12 months, the stock has a consensus rating of "Moderate Buy." Out of the 16 analysts, 1 has given a sell rating, 6 have given a hold rating, 8 have given a buy rating, and 1 has given a strong buy rating for BFH.

Consensus Price Target

$112.29
14.97% Upside

According to the 16 analysts' twelve-month price targets for Bread Financial, the average price target is $112.29. The highest price target for BFH is $132.00, while the lowest price target for BFH is $72.00. The average price target represents a forecasted upside of 14.97% from the current price of $97.66.

MarketBeat calculates consensus analyst ratings for stocks using the most recent rating from each Wall Street analyst that has rated a stock within the last twelve months. Each analyst's rating is normalized to a standardized rating score of 1 (sell), 2 (hold), 3 (buy) or 4 (strong buy). Analyst consensus ratings scores are calculated using the mean average of the number of normalized sell, hold, buy and strong buy ratings from Wall Street analysts. Each stock's consensus analyst rating is derived from its calculated consensus ratings score (0 to .5 = Strong Sell, .5 to 1 = Sell, 1 to 1.5 = Reduce, 1.5 to 2.5 = Hold, 2.5 to 3.0 = Moderate Buy, 3.0 to 3.5 = Buy, >3.5 = Strong Buy). MarketBeat's consensus price targets are a mean average of the most recent available price targets set by each analyst that has set a price target for the stock in the last twelve months. MarketBeat's consensus ratings and consensus price targets may differ from those calculated by other firms due to differences in methodology and available data.

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BFH Analyst Ratings Over Time

Type	Current Forecast 10/6/25 to 10/6/26	1 Month Ago 9/6/25 to 9/6/26	3 Months Ago 7/8/25 to 7/8/26	1 Year Ago 10/6/24 to 10/6/25
Strong Buy	1 Strong Buy rating(s)	1 Strong Buy rating(s)	0 Strong Buy rating(s)	0 Strong Buy rating(s)
Buy	8 Buy rating(s)	8 Buy rating(s)	8 Buy rating(s)	3 Buy rating(s)
Hold	6 Hold rating(s)	5 Hold rating(s)	6 Hold rating(s)	6 Hold rating(s)
Sell	1 Sell rating(s)	1 Sell rating(s)	1 Sell rating(s)	3 Sell rating(s)
Consensus Price Target	$112.29	$112.08	$107.92	$66.40
Forecasted Upside	14.97% Upside	1.24% Upside	15.09% Upside	21.23% Upside
Consensus Rating	Moderate Buy	Moderate Buy	Hold	Hold

BFH Analyst Recommendations By Month

The chart below shows how a company's ratings by analysts have changed over time. Each bar represents the previous year of ratings for that month. Within each bar, the sell ratings are shown in red, the hold ratings are shown in yellow, the buy ratings are shown in green, and the strong buy ratings are shown in dark green.

BFH Price Targets by Month

The chart below shows how a company's share price and consensus price target have changed over time. The dark blue line represents the company's actual price. The lighter blue line represents the stock's consensus price target. The even lighter blue range in the background of the two lines represents the low price target and the high price target for each stock.

Bread Financial Stock vs. The Competition

Type	Bread Financial	Finance Companies	Broader Market
Consensus Rating Score	2.56	2.27	2.53
Consensus Rating	Moderate Buy	Hold	Moderate Buy
Predicted Upside	13.61% Upside	37.40% Upside	20.68% Upside
News Sentiment Rating	Neutral News See Recent BFH News	Positive News	Neutral News

Recent Analyst Forecasts and Stock Ratings

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Date	Brokerage	Analyst	Action	Rating	Price Target	Report Date Upside/Downside
10/6/2026	TD Cowen 3 of 5 stars	Moshe Orenbuch Not Rated	Lower Target	Hold	$114.00 ➝ $111.00	+13.33%
10/5/2026	Barclays 3 of 5 stars	Terry Ma Not Rated	Boost Target	Equal Weight	$109.00 ➝ $110.00	+12.29%
10/1/2026	Evercore 3 of 5 stars		Set Target		$118.00	+22.44%
9/11/2026	Wells Fargo & Company Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Donald Fandetti Subscribe to MarketBeat All Access for the analyst's recommendation accuracy rating	Initiated Coverage	Equal Weight	$115.00	+7.42%
8/31/2026	Zacks Research Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating		Upgrade	Hold ➝ Strong-Buy
8/25/2026	Wolfe Research Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Darrin Peller Subscribe to MarketBeat All Access for the analyst's recommendation accuracy rating	Upgrade	Peer Perform ➝ Outperform	$130.00	+23.49%
8/3/2026	UBS Group Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Nicholas Holowko Subscribe to MarketBeat All Access for the analyst's recommendation accuracy rating	Boost Target	Buy	$120.00 ➝ $127.00	+17.93%
7/24/2026	Weiss Ratings Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating		Reiterated Rating	Buy (B)
7/24/2026	Morgan Stanley Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Jeffrey Adelson Subscribe to MarketBeat All Access for the analyst's recommendation accuracy rating	Set Target		$107.00	+4.72%
7/24/2026	Royal Bank Of Canada Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Jon G. Arfstrom Subscribe to MarketBeat All Access for the analyst's recommendation accuracy rating	Reiterated Rating	Sector Perform	$115.00	+14.95%
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7/7/2026	The Goldman Sachs Group Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Ryan Nash Subscribe to MarketBeat All Access for the analyst's recommendation accuracy rating	Boost Target	Neutral	$94.00 ➝ $108.00	+4.14%
6/30/2026	BTIG Research Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Vincent Caintic Subscribe to MarketBeat All Access for the analyst's recommendation accuracy rating	Boost Target	Buy	$105.00 ➝ $132.00	+21.10%
6/10/2026	Bank of America Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating		Reiterated Rating	Buy	$108.00	+11.96%
6/10/2026	Keefe, Bruyette & Woods Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Sanjay Sakhrani Subscribe to MarketBeat All Access for the analyst's recommendation accuracy rating	Reiterated Rating	Outperform
5/21/2026	Loop Capital Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Dominick Gabriele Subscribe to MarketBeat All Access for the analyst's recommendation accuracy rating	Initiated Coverage	Buy	$104.00	+21.14%
12/4/2025	JPMorgan Chase & Co. Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Reginald Smith Subscribe to MarketBeat All Access for the analyst's recommendation accuracy rating	Reiterated Rating	Neutral ➝ Underweight	$72.00	+1.33%
4/28/2025	Citizens Jmp Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	David Scharf Subscribe to MarketBeat All Access for the analyst's recommendation accuracy rating	Reiterated Rating	Market Perform
4/24/2025	Jefferies Financial Group Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	John Hecht Subscribe to MarketBeat All Access for the analyst's recommendation accuracy rating	Boost Target	Hold	$45.00 ➝ $50.00	+2.44%
1/21/2025	Compass Point Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	David Rochester Subscribe to MarketBeat All Access for the analyst's recommendation accuracy rating	Boost Target	Buy	$75.00 ➝ $87.00	+37.70%

Analyst ratings data on MarketBeat is provided by Benzinga and other data providers. This page was last refreshed on Tuesday at 11:02 AM ET.

BFH Forecast - Frequently Asked Questions

According to the research reports of 16 Wall Street equities research analysts, the average twelve-month stock price forecast for Bread Financial is $112.29, with a high forecast of $132.00 and a low forecast of $72.00.

16 Wall Street research analysts have issued "buy," "hold," and "sell" ratings for Bread Financial in the last year. There is currently 1 sell rating, 6 hold ratings, 8 buy ratings and 1 strong buy rating for the stock. The consensus among Wall Street research analysts is that investors should "moderate buy" BFH shares.

According to analysts, Bread Financial's stock has a predicted upside of 14.97% based on their 12-month stock forecasts.

Over the previous 90 days, Bread Financial's stock had 2 upgrades by analysts.

Bread Financial has been rated by research analysts at Barclays, Evercore, Morgan Stanley, Royal Bank Of Canada, TD Cowen, UBS Group, Weiss Ratings, Wells Fargo & Company, Wolfe Research, and Zacks Research in the past 90 days.

Analysts like Bread Financial more than other "finance" companies. The consensus rating for Bread Financial is Moderate Buy while the average consensus rating for "finance" companies is Hold. Learn more on how BFH compares to other companies.

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MarketBeat monitors more than a dozen sources for Bread Financial analyst ratings, with the most recent rating issued on 10/6/2026.

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Bread Financial (BFH) Stock Forecast & Price Target

Bread Financial - Analysts' Recommendations and Stock Price Forecast (2026)

Consensus Rating

Consensus Price Target

BFH Analyst Ratings Over Time

BFH Analyst Recommendations By Month

BFH Price Targets by Month

Bread Financial Stock vs. The Competition

Recent Analyst Forecasts and Stock Ratings

BFH Forecast - Frequently Asked Questions

Stock Forecasts and Research Tools

Today's Analyst Ratings

Top-Rated Stocks

More Ratings Tools

Brokerages With Bread Financial Recommendations

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Bread Financial (BFH) Stock Forecast & Price Target

Bread Financial - Analysts' Recommendations and Stock Price Forecast (2026)

Consensus Rating

Consensus Price Target

BFH Analyst Ratings Over Time

BFH Analyst Recommendations By Month

BFH Price Targets by Month

Bread Financial Stock vs. The Competition

Recent Analyst Forecasts and Stock Ratings

BFH Forecast - Frequently Asked Questions

What is Bread Financial's forecast for 2026?

Should I buy or sell Bread Financial stock right now?

Does Bread Financial's stock price have much upside?

Has Bread Financial been upgraded by Wall Street analysts recently?

What analysts cover Bread Financial?

Do Wall Street analysts like Bread Financial more than its competitors?

Stock Forecasts and Research Tools

Today's Analyst Ratings

Top-Rated Stocks

More Ratings Tools

Brokerages With Bread Financial Recommendations

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools