Seaport Res Ptn Predicts Higher Earnings for Bread Financial

Bread Financial Holdings, Inc. (NYSE:BFH) – Analysts at Seaport Res Ptn boosted their Q2 2025 earnings per share estimates for shares of Bread Financial in a research report issued to clients and investors on Friday, April 25th. Seaport Res Ptn analyst W. Ryan now expects that the company will earn $1.54 per share for the quarter, up from their prior estimate of $1.49. The consensus estimate for Bread Financial’s current full-year earnings is $6.45 per share. Seaport Res Ptn also issued estimates for Bread Financial’s Q4 2025 earnings at $0.27 EPS and FY2025 earnings at $6.50 EPS.

Several other research analysts have also issued reports on BFH. Barclays increased their price target on Bread Financial from $51.00 to $53.00 and gave the stock an “underweight” rating in a report on Friday, January 31st. Royal Bank of Canada boosted their price target on shares of Bread Financial from $62.00 to $68.00 and gave the company a “sector perform” rating in a research note on Friday, January 31st. The Goldman Sachs Group dropped their price objective on shares of Bread Financial from $68.00 to $58.00 and set a “sell” rating on the stock in a research note on Tuesday, March 18th. Compass Point boosted their target price on shares of Bread Financial from $75.00 to $87.00 and gave the stock a “buy” rating in a research report on Tuesday, January 21st. Finally, Morgan Stanley set a $36.00 price target on shares of Bread Financial and gave the company an “underweight” rating in a research report on Thursday. Three analysts have rated the stock with a sell rating, eight have issued a hold rating and three have given a buy rating to the company. According to data from MarketBeat.com, the stock has a consensus rating of “Hold” and a consensus target price of $60.00.

Bread Financial Price Performance

BFH stock opened at $48.14 on Monday. The company’s 50-day moving average is $48.99 and its 200-day moving average is $55.77. Bread Financial has a 1 year low of $36.31 and a 1 year high of $66.71. The company has a debt-to-equity ratio of 0.33, a current ratio of 1.15 and a quick ratio of 1.15. The stock has a market capitalization of $2.32 billion, a PE ratio of 8.67, a price-to-earnings-growth ratio of 1.25 and a beta of 1.58.

Bread Financial (NYSE:BFH) last issued its earnings results on Thursday, April 24th. The company reported $2.86 earnings per share (EPS) for the quarter, topping the consensus estimate of $2.10 by $0.76. Bread Financial had a net margin of 5.75% and a return on equity of 12.41%. The business had revenue of $970.00 million for the quarter, compared to analyst estimates of $956.17 million. During the same period in the prior year, the firm earned $2.73 earnings per share. Bread Financial’s revenue was down 2.1% on a year-over-year basis.

Bread Financial Announces Dividend

The business also recently disclosed a quarterly dividend, which will be paid on Friday, June 13th. Shareholders of record on Friday, May 9th will be given a $0.21 dividend. This represents a $0.84 annualized dividend and a yield of 1.74%. The ex-dividend date is Friday, May 9th. Bread Financial’s dividend payout ratio is 14.92%.

Bread Financial announced that its Board of Directors has initiated a share buyback plan on Wednesday, March 5th that permits the company to repurchase $150.00 million in outstanding shares. This repurchase authorization permits the company to repurchase up to 6% of its stock through open market purchases. Stock repurchase plans are generally a sign that the company’s board believes its stock is undervalued.

Institutional Inflows and Outflows

Hedge funds and other institutional investors have recently added to or reduced their stakes in the stock. Picton Mahoney Asset Management raised its holdings in shares of Bread Financial by 2,083.3% in the 4th quarter. Picton Mahoney Asset Management now owns 524 shares of the company’s stock worth $32,000 after purchasing an additional 500 shares during the period. Curat Global LLC purchased a new stake in Bread Financial in the first quarter worth $28,000. Pinnacle Holdings LLC bought a new stake in shares of Bread Financial in the fourth quarter valued at $46,000. Versant Capital Management Inc lifted its position in shares of Bread Financial by 182.8% during the 1st quarter. Versant Capital Management Inc now owns 1,298 shares of the company’s stock valued at $65,000 after buying an additional 839 shares during the last quarter. Finally, Smartleaf Asset Management LLC grew its stake in shares of Bread Financial by 207.7% during the 4th quarter. Smartleaf Asset Management LLC now owns 1,394 shares of the company’s stock worth $86,000 after acquiring an additional 941 shares during the period. 99.52% of the stock is currently owned by hedge funds and other institutional investors.

Bread Financial Company Profile

Bread Financial Holdings, Inc provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, account origination, and funding services for private label and co-brand credit card programs, as well as through Bread partnerships; and Comenity-branded general purpose cash-back credit.