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BFHBFHFinancial Services · Credit Services

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

Last close, 11 Sept 2026
$106
−0.46% on the day

The 17 Wall Street analysts covering Bread Financial Holdings, Inc. hold a median 12-month price target of $117 — +10.0% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 99 of 100 as at 10 Sept 2026 — among the strongest tenth. Here, the model and the Street point the same way.

Market cap
$4.1B
Ticker Nerd rank
99 / 100
Median analyst target
$117
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
−2.2%
1M
−1.3%
YTD
+44.8%
1Y
+68.3%
From 52W high
−6.0%
From 52W low
+98.9%
$53
$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 10 Sept 2026
99 / 100

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

Momentum
99
Issuance
99
Value
94
Revisions
93
Growth
92
Quality
92
Accruals
39
Size
25
Volatility
7

Momentum (99): The shares have been drifting up relative to others.

Volatility (7): 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
$40$60$80$100$120$140Oct 25Jan 26Apr 26Jul 26BFHHigh $132Median $117Low $79

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
9 Buy7 Hold1 Sell
Low $79Median $117High $132

The green dot is the last close — the median target sits +10.0% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 8 moved their price target up and 0 moved it down.

DateFirmActionRatingTarget
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$104 → $109
24 July 2026BarclaysMaintainsEqual-Weight—
24 July 2026RBC CapitalReiteratesSector Perform—
24 July 2026RBC CapitalReiteratesSector Perform$115
24 July 2026TD CowenMaintainsHold$103 → $114
24 July 2026TD CowenMaintainsHold—
20 July 2026Morgan StanleyMaintainsEqual-Weight—
20 July 2026Morgan StanleyMaintainsEqual-Weight$98 → $102
7 July 2026BarclaysUpgradeEqual-Weight—
7 July 2026BarclaysUpgradeEqual-Weight$70 → $104
7 July 2026Goldman SachsMaintainsNeutral$94 → $108
7 July 2026Goldman SachsMaintainsNeutral—
7 July 2026TD CowenMaintainsHold$95 → $103
7 July 2026TD CowenMaintainsHold—
7 July 2026UBSMaintainsBuy—

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.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. BFH appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

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 11 Sept 2026, Bread Financial Holdings, Inc. returned +68.3% against +17.5% for the S&P 500, dividends included.

BFH vs S&P 500, last 12 monthsTotal return, rebased to 100
80100120140160180Oct 25Jan 26Apr 26Jul 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
10
Analysts cutting
0
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
8.3×

Cheaper than 61% of US stocks

Price / sales
1.5×

Cheaper than 59% of US stocks

Price / book
1.2×

Cheaper than 66% 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 62% of US stocks

Dividend yield
0.9%

Higher than 19% 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 $4.1B and an enterprise value of $3.7B.

  • 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: 8.3×; forward P/E: 8.0× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 0.86%, 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 11 Sept 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.$4.1B
99
NNINelnet, Inc.$4.5B
58
SEZLSezzle, Inc.$4.0B
91
SLMSLM Corp.$4.8B
93
ENVAEnova International, Inc.$5.6B
86
CACCCredit Acceptance Corp.$6.3B
86
OMFOneMain Holdings, Inc.$7.3B
76

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

Bread Financial to Participate in the Barclays 24th Annual Global Financial Services Conference

GlobeNewsWire · 8 Sept 2026neutral

Bread Financial Holdings announced it will participate in the Barclays 24th Annual Global Financial Services Conference on Tuesday, September 15. The company made the announcement on September 8 from its Columbus, Ohio headquarters.

Why it matters — Participation in a major industry conference gives Bread Financial an opportunity to present its business to investors and financial-services peers.

BFH or HASI: Which Is the Better Value Stock Right Now?

Zacks Investment Research · 1 Sept 2026neutral

Zacks Investment Research published an article comparing Bread Financial Holdings (BFH) with HA Sustainable Infrastructure Capital (HASI), asking which of the two currently presents the better value opportunity for investors in the Financial - Miscellaneous Services sector.

Why it matters — BFH watchers would care because the piece directly evaluates Bread Financial Holdings' value proposition relative to a sector peer.

Bread Financial: Attractive Yield From A Seasoned Consumer Lender

Seeking Alpha · 28 Aug 2026neutral

Seeking Alpha highlighted Bread Financial as a seasoned consumer lender with a long track record of positive net income, funded largely by low-cost deposits with a Tier 1 capital ratio near 14% and BB credit ratings. Its Series B Preferred Shares yield 8.9% (stripped), reflecting compensation for recession-driven risks in the consumer lending sector.

Why it matters — BFH watchers would care because the article underscores the company's resilient earnings history, low-cost deposit funding, and capital strength, while framing its preferred-share yield as compensation for consumer-lending sector risks.

Fans Score More: NFL Extra Points American Express® Credit Card Now Available

GlobeNewsWire · 26 Aug 2026positive

Bread Financial will continue as the issuer for the NFL Extra Points Credit Card program, with the majority of NFL clubs transitioning to the American Express Network for the card program.

Why it matters — BFH watchers would care because the company retains its role as issuer in a major co-branded credit card program even as the network partner changes.

Bread Financial Provides Performance Update for July 2026

GlobeNewsWire · 17 Aug 2026neutral

Bread Financial Holdings issued a performance update for July 2026, reporting end-of-period credit card and other loans of $18,543 million, a 4.9% year-over-year increase in average loans to $18,449 million. The net principal loss rate fell to 6.80% from 7.63% a year earlier, while the delinquency rate declined to 5.35% from 5.82%.

Why it matters — Bread Financial watchers would follow this monthly disclosure of credit loss and delinquency trends, which showed year-over-year improvement in both the net principal loss rate and delinquency rate alongside modest loan growth.

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 $117, with estimates ranging from $79 to $132. 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., 9 rate it a Buy, 7 a Hold and 1 a Sell. Ticker Nerd's systematic factor model ranks Bread Financial Holdings, Inc. 99 out of 100 across roughly 4,600 US stocks as at 10 Sept 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank BFH?

As at 10 Sept 2026, Bread Financial Holdings, Inc. ranks 99 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 Momentum (99 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 +10.0% from the last close, and Ticker Nerd's factor model ranks Bread Financial Holdings, Inc. 99 out of 100 as at 10 Sept 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: $79 to $132 over the next 12 months.

How has BFH stock performed over the past year?

Bread Financial Holdings, Inc. returned +68.3% over the 12 months to 11 Sept 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 (GlobeNewsWire, 8 Sept 2026): "Bread Financial to Participate in the Barclays 24th Annual Global Financial Services Conference". Bread Financial Holdings announced it will participate in the Barclays 24th Annual Global Financial Services Conference on Tuesday, September 15. The company made the announcement on September 8 from its Columbus, Ohio headquarters.

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