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

Last close, 21 Aug 2026
$106
+2.65% on the day

The 17 Wall Street analysts covering Bread Financial Holdings, Inc. hold a median 12-month price target of $115 — +8.6% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 99 of 100 as at 21 Aug 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
$115
Analysts covering
17
Total return, dividends reinvested
1W
−6.6%
1M
+4.2%
YTD
+43.9%
1Y
+79.4%
From 52W high
−6.6%
From 52W low
+97.6%
$54
$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 21 Aug 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

Issuance
99
Momentum
98
Value
94
Revisions
93
Growth
92
Quality
92
Accruals
39
Size
26
Volatility
2

Issuance (99): The share count has been shrinking and the company is not leaning on new borrowing.

Volatility (2): 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 $115Low $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.

What Wall Street says17 analysts
8 Buy8 Hold1 Sell
Low $79Median $115High $132

The green dot is the last close — the median target sits +8.6% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 10 moved their price target up and 0 moved it down.

DateFirmActionRatingTarget
3 Aug 2026UBSMaintainsBuy$120 → $127
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$98 → $102
20 July 2026Morgan StanleyMaintainsEqual-Weight—
7 July 2026BarclaysUpgradeEqual-Weight—
7 July 2026BarclaysUpgradeEqual-Weight$70 → $104
7 July 2026Goldman SachsMaintainsNeutral—
7 July 2026Goldman SachsMaintainsNeutral$94 → $108
7 July 2026TD CowenMaintainsHold$95 → $103
7 July 2026TD CowenMaintainsHold—
7 July 2026UBSMaintainsBuy—
7 July 2026UBSMaintainsBuy$94 → $120
6 July 2026Evercore ISI GroupMaintainsOutperform$99 → $116
6 July 2026Evercore ISI GroupMaintainsOutperform—

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.

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
+8.2%
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
8.2×

Cheaper than 62% of US stocks

Price / sales
1.5×

Cheaper than 60% of US stocks

Price / book
1.2×

Cheaper than 67% 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.

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
SEZLSezzle, Inc.$4.0B
91
NNINelnet, Inc.$4.6B
59
SLMSLM Corp.$5.0B
92
ENVAEnova International, Inc.$6.1B
87
UPSTUpstart Holdings, Inc.$3.0B
24
CACCCredit Acceptance Corp.$6.3B
84

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 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.

Bread Financial: 8.6% Yield Opportunity On Series A Preferred Shares

Seeking Alpha · 11 Aug 2026positive

Seeking Alpha highlights Bread Financial's Series A preferred shares, which currently yield 8.6%. The article notes the company's net interest margin of 18.5% and high asset yields, supported by strong deposit and loan growth, with deposit growth outpacing loans and improving the loan-to-deposit ratio to 111%.

Why it matters — A BFH watcher would care because the article points to strengthening deposit funding and a high-yielding preferred share opportunity that reflect the company's income profile and funding stability.

BFH Q2 Earnings Beat Estimates on Solid Credit Sales, Revenues Rise Y/Y

Zacks Investment Research · 24 July 2026positive

Bread Financial's second-quarter results beat estimates, driven by higher credit sales, loan growth and improved credit quality, with earnings and revenue rising year over year.

Why it matters — A quarterly earnings beat on stronger credit sales and loan growth signals the company's core business is performing well, which is key for BFH investors tracking profitability and credit trends.

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 $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., 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 21 Aug 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank BFH?

As at 21 Aug 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).

Will BFH stock go up?

No one can know that. What the data says: the median 12-month target from 17 analysts implies +8.6% from the last close, and Ticker Nerd's factor model ranks Bread Financial Holdings, Inc. 99 out of 100 as at 21 Aug 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 +79.4% over the 12 months to 21 Aug 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Bread Financial Holdings, Inc. do?

Bread Financial Holdings Inc. is a prominent company in the financial services industry, primarily known for providing a wide array of consumer financial products and services.

What is the latest news on BFH?

The most recent item we track (GlobeNewsWire, 17 Aug 2026): "Bread Financial Provides Performance Update for July 2026". 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%.

Company

About Bread Financial Holdings, Inc.

Bread Financial Holdings Inc. is a prominent company in the financial services industry, primarily known for providing a wide array of consumer financial products and services. Its core offerings include private label and co-branded credit cards, installment lending, and financial technology solutions. Bread Financial Holdings Inc. plays a crucial role in facilitating flexible payment options for consumers, thereby enhancing customer engagement and loyalty for partner brands. The company collaborates with numerous retail, travel, and luxury brand sectors, providing tailored payment solutions that drive business growth. With an emphasis on fintech innovation, Bread Financial Holdings Inc. leverages advanced analytics and technology to optimize financial solutions for diverse consumer needs. Operating within a dynamic financial ecosystem, the company contributes significantly to consumer finance by providing accessible and varied payment solutions, deeply influencing consumer purchasing behavior and retail sales performance. Bread Financial Holdings Inc. is a key player in the ever-evolving landscape of consumer finance, fostering a competitive edge through increasing digital integration and personalized financial service offerings.

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