Bread Financial’s (BFH) Buy Rating Reiterated at BTIG Research

BTIG Research restated their buy rating on shares of Bread Financial (NYSE:BFH) in a research report report published on Friday morning,Benzinga reports. BTIG Research currently has a $98.00 target price on the stock.

A number of other analysts have also commented on the company. Royal Bank Of Canada restated a “sector perform” rating and issued a $83.00 price target on shares of Bread Financial in a report on Monday, January 12th. Weiss Ratings reissued a “buy (b-)” rating on shares of Bread Financial in a research report on Monday, December 29th. Evercore ISI set a $81.00 target price on Bread Financial in a research note on Tuesday, January 6th. Keefe, Bruyette & Woods raised their price target on shares of Bread Financial from $82.00 to $92.00 and gave the stock an “outperform” rating in a research note on Friday, January 2nd. Finally, JPMorgan Chase & Co. reissued an “underweight” rating and issued a $72.00 price objective on shares of Bread Financial in a research report on Thursday, December 4th. Four research analysts have rated the stock with a Buy rating, seven have issued a Hold rating and three have issued a Sell rating to the company. According to data from MarketBeat.com, the stock presently has an average rating of “Hold” and a consensus price target of $79.27.

Bread Financial Stock Down 0.6%

Shares of BFH stock opened at $72.60 on Friday. The firm has a fifty day moving average of $73.11 and a 200-day moving average of $65.57. The company has a quick ratio of 1.19, a current ratio of 1.17 and a debt-to-equity ratio of 0.27. Bread Financial has a 12-month low of $38.21 and a 12-month high of $82.03. The company has a market capitalization of $3.31 billion, a price-to-earnings ratio of 6.70, a P/E/G ratio of 0.48 and a beta of 1.26.

Bread Financial (NYSE:BFH) last posted its quarterly earnings data on Thursday, January 29th. The company reported $2.07 EPS for the quarter, beating the consensus estimate of $0.40 by $1.67. The business had revenue of $975.00 million for the quarter, compared to analysts’ expectations of $954.74 million. Bread Financial had a net margin of 11.02% and a return on equity of 17.92%. During the same period in the previous year, the firm posted $0.41 EPS. As a group, equities research analysts predict that Bread Financial will post 6.45 earnings per share for the current fiscal year.

Bread Financial Dividend Announcement

The company also recently disclosed a quarterly dividend, which will be paid on Monday, March 16th. Stockholders of record on Friday, February 27th will be given a $0.23 dividend. This represents a $0.92 dividend on an annualized basis and a dividend yield of 1.3%. The ex-dividend date of this dividend is Friday, February 27th. Bread Financial’s dividend payout ratio (DPR) is 8.49%.

Bread Financial declared that its Board of Directors has approved a share repurchase plan on Thursday, October 23rd that permits the company to repurchase $200.00 million in shares. This repurchase authorization permits the company to buy up to 7.1% of its shares through open market purchases. Shares repurchase plans are generally an indication that the company’s board of directors believes its stock is undervalued.

Institutional Investors Weigh In On Bread Financial

Several hedge funds have recently bought and sold shares of the company. OMERS ADMINISTRATION Corp acquired a new stake in Bread Financial during the 2nd quarter valued at $1,142,000. SG Americas Securities LLC increased its holdings in shares of Bread Financial by 748.3% in the third quarter. SG Americas Securities LLC now owns 17,347 shares of the company’s stock valued at $967,000 after purchasing an additional 15,302 shares during the last quarter. Arrowstreet Capital Limited Partnership raised its position in shares of Bread Financial by 25.1% in the second quarter. Arrowstreet Capital Limited Partnership now owns 1,233,121 shares of the company’s stock valued at $70,436,000 after purchasing an additional 247,437 shares during the period. Jump Financial LLC lifted its stake in shares of Bread Financial by 132.6% during the 2nd quarter. Jump Financial LLC now owns 198,308 shares of the company’s stock worth $11,327,000 after buying an additional 113,053 shares during the last quarter. Finally, Mizuho Markets Americas LLC lifted its stake in shares of Bread Financial by 11.5% during the 3rd quarter. Mizuho Markets Americas LLC now owns 363,445 shares of the company’s stock worth $20,269,000 after buying an additional 37,466 shares during the last quarter. 99.52% of the stock is currently owned by institutional investors and hedge funds.

Key Headlines Impacting Bread Financial

Here are the key news stories impacting Bread Financial this week:

• Positive Sentiment: Q4 results materially beat expectations — strong EPS and revenue, with management highlighting improved credit metrics and solid margins, which supports near-term profitability. MarketBeat Earnings Summary
• Positive Sentiment: BTIG reaffirmed a “buy” rating and maintained a $98 price target (significant upside vs. the current share level), offering a bullish analyst counterpoint that may support the stock. TickerReport: BTIG Coverage
• Positive Sentiment: Company commentary and investor materials indicate low single-digit loan growth guidance for 2026 and improving credit metrics (delinquencies down year-over-year), which reduces downside risk from credit cycles. Seeking Alpha: Credit Metrics Update
• Neutral Sentiment: Bread declared a quarterly common dividend of $0.23 per share (payable March 16, ex-dividend Feb 27), providing modest income but not a large yield. GlobeNewswire: Dividend Notice
• Neutral Sentiment: Company performance update published December metrics (net loss rate 7.4%, delinquency ~5.8%) — shows improvement vs. prior year but still-elevated loss levels that investors will monitor. GlobeNewswire: Performance Update
• Neutral Sentiment: Earnings call materials and transcript are available for deeper read — useful for investors assessing forward commentary on losses, loan growth and buyback/dividend plans. Seeking Alpha: Earnings Call Transcript
• Negative Sentiment: Morgan Stanley raised its price target to $68 but kept an “underweight” stance — the PT implies downside from current levels and signals caution from a major institutional shop, which can weigh on sentiment. Benzinga: Analyst Note

About Bread Financial

Bread Financial, formerly known as Alliance Data Systems, is a Columbus, Ohio–based financial services company that specializes in providing private label credit programs, co-brand credit cards and digital payment solutions for retail partners. The company designs, issues and services proprietary credit products, enabling merchants to offer branded financing options that drive customer loyalty and increase basket sizes at the point of sale. Through its Bread technology platform, Bread Financial delivers installment-based payment options that integrate directly into e-commerce and in-store checkout experiences.

In addition to its core credit offerings, Bread Financial provides analytics, marketing and loyalty services to help merchants better understand consumer behavior and optimize promotional strategies.