Analyst Expectations For Bread Finl Hldgs's Future
Throughout the last three months, 7 analysts have evaluated Bread Finl Hldgs (NYSE:BFH), offering a diverse set of opinions from bullish to bearish.
The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 2 | 1 | 1 | 3 | 0 |
| Last 30D | 1 | 0 | 0 | 0 | 0 |
| 1M Ago | 1 | 1 | 1 | 2 | 0 |
| 2M Ago | 0 | 0 | 0 | 1 | 0 |
| 3M Ago | 0 | 0 | 0 | 0 | 0 |
Analysts' evaluations of 12-month price targets offer additional insights, showcasing an average target of $80.29, with a high estimate of $98.00 and a low estimate of $61.00. This current average reflects an increase of 12.29% from the previous average price target of $71.50.
Decoding Analyst Ratings: A Detailed Look
An in-depth analysis of recent analyst actions unveils how financial experts perceive Bread Finl Hldgs. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Vincent Caintic | BTIG | Maintains | Buy | $98.00 | $98.00 |
| Jeffrey Adelson | Morgan Stanley | Raises | Underweight | $62.00 | $57.00 |
| Moshe Orenbuch | TD Cowen | Raises | Hold | $85.00 | $68.00 |
| Nicholas Holowko | UBS | Announces | Buy | $92.00 | - |
| Terry Ma | Barclays | Raises | Underweight | $61.00 | $52.00 |
| Sanjay Sakhrani | Keefe, Bruyette & Woods | Raises | Outperform | $92.00 | $82.00 |
| Reginald Smith | JP Morgan | Maintains | Underweight | $72.00 | $72.00 |
Key Insights:
- Action Taken: Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Bread Finl Hldgs. This information provides a snapshot of how analysts perceive the current state of the company.
- Rating: Unveiling insights, analysts deliver qualitative insights into stock performance, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Bread Finl Hldgs compared to the broader market.
- Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of Bread Finl Hldgs's stock. This examination reveals shifts in analysts' expectations over time.
Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of Bread Finl Hldgs's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.
Stay up to date on Bread Finl Hldgs analyst ratings.
Get to Know Bread Finl Hldgs Better
Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company's most financially significant unit is its credit card business that partners with retailers to jointly market Bread's credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.
A Deep Dive into Bread Finl Hldgs's Financials
Market Capitalization Analysis: The company exhibits a lower market capitalization profile, positioning itself below industry averages. This suggests a smaller scale relative to peers.
Negative Revenue Trend: Examining Bread Finl Hldgs's financials over 3M reveals challenges. As of 30 September, 2025, the company experienced a decline of approximately -1.22% in revenue growth, reflecting a decrease in top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: Bread Finl Hldgs's net margin surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 19.36% net margin, the company effectively manages costs and achieves strong profitability.
Return on Equity (ROE): Bread Finl Hldgs's ROE is below industry averages, indicating potential challenges in efficiently utilizing equity capital. With an ROE of 5.8%, the company may face hurdles in achieving optimal financial returns.
Return on Assets (ROA): The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of 0.86%, the company may need to address challenges in generating satisfactory returns from its assets.
Debt Management: Bread Finl Hldgs's debt-to-equity ratio is below industry norms, indicating a sound financial structure with a ratio of 1.14.
What Are Analyst Ratings?
Analysts are specialists within banking and financial systems that typically report for specific stocks or within defined sectors. These people research company financial statements, sit in conference calls and meetings, and speak with relevant insiders to determine what are known as analyst ratings for stocks. Typically, analysts will rate each stock once a quarter.
In addition to their assessments, some analysts extend their insights by offering predictions for key metrics such as earnings, revenue, and growth estimates. This supplementary information provides further guidance for traders. It is crucial to recognize that, despite their specialization, analysts are human and can only provide forecasts based on their beliefs.
This article was generated by Benzinga's automated content engine and reviewed by an editor.