Brokers Offer Predictions for Bread Financial Q2 Earnings

Bread Financial Holdings, Inc. (NYSE:BFH) – Investment analysts at Seaport Res Ptn decreased their Q2 2025 earnings per share (EPS) estimates for shares of Bread Financial in a report issued on Tuesday, June 24th. Seaport Res Ptn analyst W. Ryan now expects that the company will earn $1.47 per share for the quarter, down from their prior forecast of $1.54. 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 $0.15 EPS.

Bread Financial (NYSE:BFH) last issued its earnings results on Thursday, April 24th. The company reported $2.86 earnings per share for the quarter, beating analysts’ consensus estimates of $2.10 by $0.76. The company had revenue of $970.00 million for the quarter, compared to the consensus estimate of $956.17 million. Bread Financial had a return on equity of 12.60% and a net margin of 5.89%. The firm’s quarterly revenue was down 2.1% on a year-over-year basis. During the same quarter in the prior year, the company earned $2.73 EPS.

A number of other brokerages also recently weighed in on BFH. Morgan Stanley upped their target price on Bread Financial from $36.00 to $39.00 and gave the company an “underweight” rating in a report on Monday, May 12th. Jefferies Financial Group upped their target price on Bread Financial from $45.00 to $50.00 and gave the company a “hold” rating in a report on Thursday, April 24th. JMP Securities reissued a “market perform” rating on shares of Bread Financial in a research note on Monday, April 28th. Finally, The Goldman Sachs Group lowered their price target on Bread Financial from $68.00 to $58.00 and set a “sell” rating for the company in a research note on Tuesday, March 18th. Three analysts have rated the stock with a sell rating, six have given a hold rating and three have issued a buy rating to the company. According to MarketBeat, the stock has an average rating of “Hold” and an average target price of $60.27.

Bread Financial Price Performance

Shares of BFH opened at $56.47 on Thursday. The company has a market capitalization of $2.63 billion, a price-to-earnings ratio of 10.03, a P/E/G ratio of 1.03 and a beta of 1.37. Bread Financial has a fifty-two week low of $38.21 and a fifty-two week high of $66.71. The company has a debt-to-equity ratio of 0.42, a current ratio of 1.17 and a quick ratio of 1.17. The business’s 50-day moving average is $51.34 and its 200-day moving average is $54.62.

Bread Financial Dividend Announcement

The company also recently declared a quarterly dividend, which was paid on Friday, June 13th. Investors of record on Friday, May 9th were paid a $0.21 dividend. The ex-dividend date was Friday, May 9th. This represents a $0.84 annualized dividend and a dividend yield of 1.49%. Bread Financial’s payout ratio is 14.92%.

Bread Financial announced that its Board of Directors has initiated a share repurchase program on Wednesday, March 5th that authorizes the company to buyback $150.00 million in shares. This buyback authorization authorizes the company to reacquire up to 6% of its shares through open market purchases. Shares buyback programs are typically a sign that the company’s leadership believes its shares are undervalued.

Institutional Investors Weigh In On Bread Financial

Large investors have recently made changes to their positions in the company. Picton Mahoney Asset Management grew its stake 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 valued at $32,000 after buying an additional 500 shares in the last quarter. Curat Global LLC bought a new stake in Bread Financial during the first quarter worth approximately $28,000. Quarry LP boosted its position in Bread Financial by 947.5% during the first quarter. Quarry LP now owns 639 shares of the company’s stock worth $32,000 after purchasing an additional 578 shares during the period. Pinnacle Holdings LLC bought a new stake in Bread Financial during the fourth quarter worth approximately $46,000. Finally, Versant Capital Management Inc boosted its position in Bread Financial by 182.8% during the first quarter. Versant Capital Management Inc now owns 1,298 shares of the company’s stock worth $65,000 after purchasing an additional 839 shares during the period. Institutional investors own 99.52% of the company’s stock.

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.