Royal Bank Of Canada Reiterates Sector Perform Rating for Bread Financial (NYSE:BFH)

Bread Financial (NYSE:BFH)‘s stock had its “sector perform” rating reaffirmed by investment analysts at Royal Bank Of Canada in a report issued on Friday,Benzinga reports. They currently have a $115.00 target price on the stock. Royal Bank Of Canada’s price target indicates a potential upside of 10.42% from the company’s previous close.

A number of other research analysts have also recently commented on the company. Bank of America reaffirmed a “buy” rating and set a $108.00 target price on shares of Bread Financial in a research note on Wednesday, June 10th. Loop Capital began coverage on Bread Financial in a research note on Thursday, May 21st. They set a “buy” rating and a $104.00 price target for the company. Evercore restated an “outperform” rating and set a $116.00 price objective on shares of Bread Financial in a report on Monday, July 6th. TD Cowen upped their price objective on Bread Financial from $103.00 to $114.00 and gave the company a “hold” rating in a research report on Friday. Finally, UBS Group increased their target price on Bread Financial from $94.00 to $120.00 and gave the stock a “buy” rating in a research note on Tuesday, July 7th. Eight equities research analysts have rated the stock with a Buy rating, six have issued a Hold rating and one has assigned a Sell rating to the company. According to MarketBeat.com, Bread Financial presently has an average rating of “Hold” and an average price target of $110.00.

Bread Financial Stock Up 0.6%

Shares of NYSE BFH opened at $104.15 on Friday. The firm’s 50-day moving average price is $97.34 and its 200-day moving average price is $84.15. The company has a current ratio of 1.17, a quick ratio of 1.15 and a debt-to-equity ratio of 0.25. The stock has a market capitalization of $4.21 billion, a price-to-earnings ratio of 8.12, a P/E/G ratio of 0.92 and a beta of 1.10. Bread Financial has a 12-month low of $53.83 and a 12-month high of $109.91.

Bread Financial (NYSE:BFH) last issued its quarterly earnings results on Thursday, July 23rd. The company reported $3.55 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $2.74 by $0.81. The company had revenue of $993.00 million during the quarter, compared to the consensus estimate of $959.32 million. Bread Financial had a return on equity of 18.42% and a net margin of 11.95%.Bread Financial’s revenue was up 6.9% on a year-over-year basis. During the same period last year, the company earned $3.15 earnings per share. On average, equities research analysts anticipate that Bread Financial will post 11.31 EPS for the current fiscal year.

Insider Activity

In related news, Director John J. Fawcett purchased 698 shares of the business’s stock in a transaction on Thursday, May 21st. The shares were acquired at an average price of $86.43 per share, for a total transaction of $60,328.14. Following the purchase, the director owned 11,000 shares of the company’s stock, valued at $950,730. This trade represents a 6.78% increase in their position. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through this link. Also, CEO Ralph J. Andretta sold 15,000 shares of the firm’s stock in a transaction on Friday, May 29th. The stock was sold at an average price of $89.10, for a total value of $1,336,500.00. Following the completion of the transaction, the chief executive officer owned 582,241 shares of the company’s stock, valued at $51,877,673.10. This trade represents a 2.51% decrease in their position. The disclosure for this sale is available in the SEC filing. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. 1.30% of the stock is owned by insiders.

Institutional Investors Weigh In On Bread Financial

Institutional investors and hedge funds have recently modified their holdings of the company. Fifth Third Bancorp boosted its holdings in shares of Bread Financial by 5,814.5% in the 1st quarter. Fifth Third Bancorp now owns 17,566 shares of the company’s stock valued at $1,315,000 after acquiring an additional 17,269 shares during the last quarter. UBS Group AG raised its holdings in shares of Bread Financial by 100.4% during the fourth quarter. UBS Group AG now owns 716,725 shares of the company’s stock worth $53,059,000 after purchasing an additional 359,088 shares during the last quarter. Northwestern Mutual Wealth Management Co. lifted its position in Bread Financial by 38,301.2% during the fourth quarter. Northwestern Mutual Wealth Management Co. now owns 215,815 shares of the company’s stock valued at $15,977,000 after purchasing an additional 215,253 shares during the period. Moran Wealth Management LLC acquired a new position in Bread Financial during the fourth quarter valued at $2,824,000. Finally, Intech Investment Management LLC boosted its holdings in Bread Financial by 240.1% in the fourth quarter. Intech Investment Management LLC now owns 156,689 shares of the company’s stock valued at $11,600,000 after purchasing an additional 110,616 shares during the last quarter. Institutional investors and hedge funds own 99.52% of the company’s stock.

Key Stories Impacting Bread Financial

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

• Positive Sentiment: BFH reported Q2 earnings of $3.55 per share, topping estimates, while revenue rose to $993 million and also beat expectations. BFH Q2 Earnings Beat Estimates on Solid Credit Sales, Revenues Rise Y/Y
• Positive Sentiment: Management said the quarter benefited from solid credit sales, loan growth, and better credit quality, which points to healthier operating trends. Bread Financial (BFH) Q2 2026 Earnings Call Transcript
• Positive Sentiment: Royal Bank of Canada reaffirmed its “sector perform” rating and raised its price target to $115, suggesting additional upside from recent trading levels. Royal Bank of Canada price target note
• Neutral Sentiment: Bread Financial also declared quarterly dividends on its preferred and common stock, reinforcing capital return to shareholders but not necessarily changing the near-term earnings outlook.

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.