BFHFinancial Services · Credit ServicesThe 17 Wall Street analysts covering Bread Financial Holdings, Inc. hold a median 12-month price target of $115 — +17.3% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 99 of 100 as at 1 Oct 2026 — among the strongest tenth. Here, the model and the Street point the same way.
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.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Issuance (99): The share count has been shrinking and the company is not leaning on new borrowing.
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.
The bullish and bearish analyst opinions on BFH, reported as data — targets and ratings, the market's view beside the model's.
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
The green dot is the last close — the median target sits +17.3% from it.
Of the 20 most recent actions, 8 moved their price target up and 0 moved it down.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 11 Sept 2026 | Wells Fargo | Initiates | Equal-Weight | $115 |
| 25 Aug 2026 | Wolfe Research | Upgrade | Outperform | — |
| 25 Aug 2026 | Wolfe Research | Upgrade | Outperform | $130 |
| 3 Aug 2026 | UBS | Maintains | Buy | $120 → $127 |
| 3 Aug 2026 | UBS | Maintains | Buy | — |
| 28 July 2026 | Evercore ISI Group | Maintains | Outperform | — |
| 28 July 2026 | Evercore ISI Group | Maintains | Outperform | $116 → $120 |
| 24 July 2026 | Barclays | Maintains | Equal-Weight | $104 → $109 |
| 24 July 2026 | Barclays | Maintains | Equal-Weight | — |
| 24 July 2026 | RBC Capital | Reiterates | Sector Perform | $115 |
| 24 July 2026 | RBC Capital | Reiterates | Sector Perform | — |
| 24 July 2026 | TD Cowen | Maintains | Hold | $103 → $114 |
| 24 July 2026 | TD Cowen | Maintains | Hold | — |
| 20 July 2026 | Morgan Stanley | Maintains | Equal-Weight | — |
| 20 July 2026 | Morgan Stanley | Maintains | Equal-Weight | $98 → $102 |
| 7 July 2026 | Barclays | Upgrade | Equal-Weight | — |
| 7 July 2026 | Barclays | Upgrade | Equal-Weight | $70 → $104 |
| 7 July 2026 | Goldman Sachs | Maintains | Neutral | $94 → $108 |
| 7 July 2026 | Goldman Sachs | Maintains | Neutral | — |
| 7 July 2026 | TD Cowen | Maintains | Hold | $95 → $103 |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
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.
Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 2 Oct 2026, Bread Financial Holdings, Inc. returned +79.8% against +15.4% for the S&P 500, dividends included.
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Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 62% of US stocks
Cheaper than 60% of US stocks
Cheaper than 68% of US stocks
Higher than 36% of US stocks
Higher than 42% of US stocks
Higher than 86% of US stocks
Higher than 83% of US stocks
Higher than 78% of US stocks
Higher than 62% of US stocks
Higher than 20% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
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 $3.8B and an enterprise value of $3.4B.
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.
Trailing P/E: 7.6×; forward P/E: 7.2× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 0.94%, paying out 7% of earnings.
Bread Financial Holdings, Inc. employs 6,000 people — $660K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
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 →
On September 25th, 2026, Zacks Investment Research added Bread Financial Holdings (BFH), along with SDRL and RS, to its Zacks Rank #1 (Strong Buy) momentum stocks list.
Why it matters — BFH watchers would care because the company has been designated a Strong Buy momentum stock by Zacks, signaling favorable analyst-ranked momentum recognition.
Zacks Investment Research highlights Bread Financial Holdings (BFH) as a strong value stock using its Style Scores system, which helps investors identify top-rated stocks by investing style. The report suggests BFH merits attention on this basis.
Why it matters — A positive value-stock designation from Zacks could draw investor attention to BFH and its valuation profile.
Zacks Investment Research is comparing Bread Financial Holdings (BFH) with Futu Holdings Limited (FUTU) in the Financial - Miscellaneous Services sector, assessing which stock offers the better value opportunity for investors.
Why it matters — A BFH watcher would be interested in how the company stacks up against a competitor in a value-focused comparison within its sector.
Bread Financial Holdings, Inc. (BFH) presented at the Barclays 24th Annual Global Financial Services Conference, with a transcript of its remarks published by Seeking Alpha. The presentation covered the company's perspective at the industry event.
Why it matters — A BFH watcher would care because conference presentations offer insight into the company's current strategic messaging and how it positions itself to investors and industry peers.
Bread Financial announced a long-term renewal of its credit card program agreement with Signet Jewelers Limited. The renewed relationship extends the companies' longtime partnership.
Why it matters — The long-term renewal secures and extends a significant, longstanding partner relationship for Bread Financial's credit card business.
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 $130. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
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. 99 out of 100 across roughly 4,600 US stocks as at 1 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 1 Oct 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 Issuance (99 of 100).
No one can know that. What the data says: the median 12-month target from 17 analysts implies +17.3% from the last close, and Ticker Nerd's factor model ranks Bread Financial Holdings, Inc. 99 out of 100 as at 1 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
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 $130 over the next 12 months.
Bread Financial Holdings, Inc. returned +79.8% over the 12 months to 2 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.
Bread Financial Holdings, Inc. is a tech-forward financial services company that provides payment, lending, and saving solutions for consumers and merchant partners.
The most recent item we track (Zacks Investment Research, 25 Sept 2026): "Best Momentum Stocks to Buy for September 25th". On September 25th, 2026, Zacks Investment Research added Bread Financial Holdings (BFH), along with SDRL and RS, to its Zacks Rank #1 (Strong Buy) momentum stocks list.
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
