Q1 EPS Estimates for Bread Financial Cut by Zacks Research

Bread Financial Holdings, Inc. (NYSE:BFH) – Equities research analysts at Zacks Research reduced their Q1 2026 earnings per share estimates for Bread Financial in a report issued on Wednesday, April 16th. Zacks Research analyst T. De now anticipates that the company will post earnings of $1.51 per share for the quarter, down from their prior estimate of $1.52. The consensus estimate for Bread Financial’s current full-year earnings is $6.45 per share. Zacks Research also issued estimates for Bread Financial’s Q2 2026 earnings at $2.31 EPS, Q3 2026 earnings at $2.10 EPS, Q4 2026 earnings at $2.39 EPS, FY2026 earnings at $8.31 EPS and FY2027 earnings at $10.71 EPS.

Bread Financial (NYSE:BFH) last issued its quarterly earnings results on Thursday, January 30th. The company reported $0.41 earnings per share for the quarter, topping analysts’ consensus estimates of $0.34 by $0.07. Bread Financial had a net margin of 5.75% and a return on equity of 12.41%.

A number of other research analysts have also issued reports on the company. Barclays boosted their target price on Bread Financial from $51.00 to $53.00 and gave the company an “underweight” rating in a report on Friday, January 31st. JMP Securities restated a “market perform” rating on shares of Bread Financial in a research note on Monday, February 3rd. Compass Point boosted their price target on shares of Bread Financial from $75.00 to $87.00 and gave the stock a “buy” rating in a research note on Tuesday, January 21st. Royal Bank of Canada increased their price target on shares of Bread Financial from $62.00 to $68.00 and gave the stock a “sector perform” rating in a report on Friday, January 31st. Finally, Morgan Stanley lowered Bread Financial from an “overweight” rating to an “underweight” rating and set a $33.00 price objective on the stock. in a report on Monday, April 7th. Three investment analysts have rated the stock with a sell rating, nine have issued a hold rating and three have given a buy rating to the company. Based on data from MarketBeat.com, the company has an average rating of “Hold” and an average price target of $57.08.

Bread Financial Price Performance

Shares of BFH opened at $46.76 on Friday. The company has a market capitalization of $2.25 billion, a price-to-earnings ratio of 8.43, a price-to-earnings-growth ratio of 1.25 and a beta of 1.58. Bread Financial has a fifty-two week low of $33.26 and a fifty-two week high of $66.71. The firm has a 50-day simple moving average of $50.68 and a 200-day simple moving average of $55.71. The company has a debt-to-equity ratio of 0.33, a quick ratio of 1.15 and a current ratio of 1.15.

Institutional Inflows and Outflows

Several hedge funds and other institutional investors have recently made changes to their positions in the company. Curat Global LLC acquired a new position in Bread Financial during the first quarter worth about $28,000. Picton Mahoney Asset Management increased its stake in shares of Bread Financial by 2,083.3% during 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 in the last quarter. Pinnacle Holdings LLC acquired a new position in shares of Bread Financial during the 4th quarter worth approximately $46,000. Versant Capital Management Inc lifted its stake in Bread Financial by 182.8% in 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 in the last quarter. Finally, GAMMA Investing LLC increased its position in Bread Financial by 28.0% during the first quarter. GAMMA Investing LLC now owns 1,457 shares of the company’s stock worth $73,000 after buying an additional 319 shares in the last quarter. Institutional investors and hedge funds own 99.52% of the company’s stock.

Bread Financial Dividend Announcement

The company also recently announced a quarterly dividend, which was paid on Friday, March 21st. Shareholders of record on Friday, February 14th were issued a $0.21 dividend. This represents a $0.84 annualized dividend and a yield of 1.80%. The ex-dividend date of this dividend was Friday, February 14th. Bread Financial’s dividend payout ratio (DPR) is 15.14%.

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

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.