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BFHBFHFinancial Services · Credit Services

BFH Stock Forecast: Bread Financial Holdings, Inc. Price Predictions for 2026-2027

Last close, 23 Oct 2026
$100
−2.50% on the day

The 17 Wall Street analysts covering Bread Financial Holdings, Inc. hold a median 12-month price target of $115 — +15.1% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 97 of 100 as at 22 Oct 2026 — among the strongest tenth. Here, the model and the Street point the same way.

Market cap
$4.2B
Ticker Nerd rank
97/ 100
Median analyst target
$115
Analysts covering
17
Revenue$993.0M+6.9% y/y
Net income$146.0M
Free cash flow$533.0M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
−2.6%
1M
+0.7%
YTD
+36.0%
1Y
+54.3%
From 52W high
−11.7%
From 52W low
+67.8%
$60
$113
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

BFH stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Bread Financial Holdings, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 22 Oct 2026
97/ 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Issuance
98
Momentum
98
Value
97
Revisions
94
Quality
94
Growth
81
Size
26
Accruals
24
Volatility
5

Issuance (98): The share count has been shrinking and the company is not leaning on new borrowing.

Volatility (5): The share price moves around a lot.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

BFH stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on BFH, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$60$80$100$120$140Jan 26Apr 26Jul 26Oct 26BFHHigh $129Median $115Low $86

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says17 analysts
8 Buy8 Hold1 Sell
Low $86Median $115High $129

The green dot is the last close — the median target sits +15.1% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 6 moved their price target up and 2 moved it down.

DateFirmActionRatingTarget
6 Oct 2026TD CowenMaintainsHold$114 → $111
5 Oct 2026BarclaysMaintainsEqual-Weight$109 → $110
1 Oct 2026Evercore ISI GroupMaintainsOutperform$120 → $118
11 Sept 2026Wells FargoInitiatesEqual-Weight—
11 Sept 2026Wells FargoInitiatesEqual-Weight$115
25 Aug 2026Wolfe ResearchUpgradeOutperform—
25 Aug 2026Wolfe ResearchUpgradeOutperform$130
3 Aug 2026UBSMaintainsBuy—
3 Aug 2026UBSMaintainsBuy$120 → $127
28 July 2026Evercore ISI GroupMaintainsOutperform—
28 July 2026Evercore ISI GroupMaintainsOutperform$116 → $120
24 July 2026BarclaysMaintainsEqual-Weight—
24 July 2026BarclaysMaintainsEqual-Weight$104 → $109
24 July 2026RBC CapitalReiteratesSector Perform$115
24 July 2026RBC CapitalReiteratesSector Perform—
24 July 2026TD CowenMaintainsHold—
24 July 2026TD CowenMaintainsHold$103 → $114
20 July 2026Morgan StanleyMaintainsEqual-Weight—
20 July 2026Morgan StanleyMaintainsEqual-Weight$98 → $102
7 July 2026BarclaysUpgradeEqual-Weight—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

BFH appears in the Radar on the weeks it earns a place.

  • Market Radar, every Monday: the week's biggest rank moves across ~4,600 US stocks, and the reason for each.
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Performance

BFH vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 23 Oct 2026, Bread Financial Holdings, Inc. returned +54.3% against +14.9% for the S&P 500, dividends included.

BFH vs S&P 500, last 12 monthsTotal return, rebased to 100
80100120140160180Jan 26Apr 26Jul 26Oct 26BFHS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

BFH analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
+8.8%
Analysts raising
4
Analysts cutting
2
Fundamentals

Bread Financial Holdings, Inc. (BFH) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
8.4×

Cheaper than 61% of US stocks

Price / sales
1.6×

Cheaper than 58% of US stocks

Price / book
1.2×

Cheaper than 62% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
3.8%

Higher than 36% of US stocks

Earnings growth (YoY)
5.0%

Higher than 42% of US stocks

Gross margin
—
Operating margin
29.0%

Higher than 86% of US stocks

Net margin
21.4%

Higher than 83% of US stocks

Returns & dividend
Return on equity
17.4%

Higher than 78% of US stocks

Return on assets
2.6%

Higher than 63% of US stocks

Dividend yield
0.8%

Higher than 69% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Bread Financial Holdings, Inc. (BFH) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • Bread Financial Holdings, Inc. has a market value of $4.2B and an enterprise value of $3.8B.

  • Revenue in the twelve months to 30 June 2026: $4.0B. The latest quarter grew 3.8% year on year.

  • Net income over the same four quarters: $569.0M, a 14.4% net margin.

  • Free cash flow in the twelve months to 30 June 2026: $2.2B.

  • Bread Financial Holdings, Inc. spent $559.0M on share buybacks and $45.0M on dividends in the twelve months to 30 June 2026.

  • Shares outstanding: 38.7M.

  • Trailing P/E: 8.4×; forward P/E: 7.9× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 0.85%, paying out 7% of earnings.

  • Bread Financial Holdings, Inc. employs 6,000 people — $660K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 22 Oct 2026

Data provided by Twelve Data

Peers

BFH vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelCredit Services
CompanyMarket capTKN rank
BFHBread Financial Holdings, Inc.$4.2B97
SLMSLM Corp.$4.1B83
ENVAEnova International, Inc.$4.4B80
NNINelnet, Inc.$4.5B60
SEZLSezzle, Inc.$4.7B90
CACCCredit Acceptance Corp.$5.8B87
OMFOneMain Holdings, Inc.$6.7B68

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Bread Financial Holdings, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest BFH news & analysis

What Bread Financial (BFH) Said on Its Q3 Earnings Call

MarketBeat · 22 Oct 2026positive

Bread Financial reported third-quarter 2026 net income of $156 million, or $3.82 per diluted share, with loan growth, credit sales and improving credit performance supporting revenue gains. It also raised its quarterly dividend by 9% and repurchased $75 million of common stock during the quarter.

Why it matters — The results and capital-return actions provide BFH watchers with updates on quarterly performance and shareholder distributions.

Bread Financial (BFH) Reports Q3 Earnings: What Key Metrics Have to Say

Zacks Investment Research · 22 Oct 2026neutral

Zacks Investment Research discusses Bread Financial’s Q3 2026 earnings and suggests reviewing key metrics against Wall Street estimates and year-ago values, alongside the headline results.

Why it matters — The comparison provides BFH watchers context for assessing quarterly performance beyond the top- and bottom-line figures.

Bread Financial Holdings, Inc. (BFH) Q3 2026 Earnings Call Transcript

Seeking Alpha · 22 Oct 2026neutral

Seeking Alpha published a transcript of Bread Financial Holdings, Inc.’s Q3 2026 earnings call. The excerpt provides no further details about the call.

Why it matters — The transcript is a source for BFH watchers seeking the company’s Q3 2026 earnings-call discussion, but the supplied text does not describe its contents.

Bread Financial Holdings (BFH) Surpasses Q3 Earnings and Revenue Estimates

Zacks Investment Research · 22 Oct 2026positive

Bread Financial Holdings reported quarterly earnings of $3.84 per share, above the Zacks Consensus Estimate of $3.26. Earnings were $4.02 per share in the year-ago quarter.

Why it matters — The earnings beat gives BFH watchers an update on the company’s quarterly results relative to analyst consensus.

Bread Financial Provides Performance Update for September 2026

GlobeNewsWire · 22 Oct 2026neutral

Bread Financial Holdings provided a performance update for September 2026, presenting net principal loss and delinquency rates for the periods indicated. The excerpt does not include the rate figures.

Why it matters — The update covers credit-performance measures that BFH watchers may monitor, but the excerpt provides no figures to assess their direction.

FAQ

Frequently asked questions about BFH stock

What is the BFH stock price forecast for 2026-2027?

The 17 Wall Street analysts covering Bread Financial Holdings, Inc. have a median 12-month price target of $115, with estimates ranging from $86 to $129. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is BFH stock a buy right now?

Of the 17 analysts covering Bread Financial Holdings, Inc., 8 rate it a Buy, 8 a Hold and 1 a Sell. Ticker Nerd's systematic factor model ranks Bread Financial Holdings, Inc. 97 out of 100 across roughly 4,600 US stocks as at 22 Oct 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank BFH?

As at 22 Oct 2026, Bread Financial Holdings, Inc. ranks 97 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Issuance (98 of 100).

Will BFH stock go up?

No one can know that. What the data says: the median 12-month target from 17 analysts implies +15.1% from the last close, and Ticker Nerd's factor model ranks Bread Financial Holdings, Inc. 97 out of 100 as at 22 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the BFH stock forecast for 2030?

No analyst covering Bread Financial Holdings, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for BFH are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $86 to $129 over the next 12 months.

How has BFH stock performed over the past year?

Bread Financial Holdings, Inc. returned +54.3% over the 12 months to 23 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Bread Financial Holdings, Inc. do?

Bread Financial Holdings, Inc. is a tech-forward financial services company that provides payment, lending, and saving solutions for consumers and merchant partners.

What is the latest news on BFH?

The most recent item we track (MarketBeat, 22 Oct 2026): "What Bread Financial (BFH) Said on Its Q3 Earnings Call". Bread Financial reported third-quarter 2026 net income of $156 million, or $3.82 per diluted share, with loan growth, credit sales and improving credit performance supporting revenue gains. It also raised its quarterly dividend by 9% and repurchased $75 million of common stock during the quarter.

Company

About Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc. is a tech-forward financial services company that provides payment, lending, and saving solutions for consumers and merchant partners. The company’s core offerings include private-label and co-branded credit card programs, direct-to-consumer credit cards, installment loans, split-pay products, and other buy now, pay later capabilities through its Bread Pay platform. It also provides savings products and supporting services such as risk management, account origination, servicing, fraud prevention, marketing, and data analytics. Bread Financial serves a broad range of retail, e-commerce, and consumer-based industries across North America, helping brands offer financing options and loyalty-driven payment experiences. Headquartered in Columbus, Ohio, Bread Financial plays a significant role in consumer finance by combining credit products with digital payment technology and merchant-focused program management.

CEO Mr. Ralph J. Andretta · 6,000 employees · United States · https://www.breadfinancial.com