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Bread Financial (BFH) Stock Forecast, Price Target & Predictions

OverviewRevenueOwnershipFinancialsChartTranscripts

BFH Stock Forecast

Bread Financial (BFH) stock forecast, based on 34 Wall Street analysts, predicts a 12-month average price target of $52.00, with a high of $68.00 and a low of $36.00. This represents a 8.00% increase from the last price of $48.15.

$30 $38 $46 $54 $62 $70 High: $68 Avg: $52 Low: $36 Last Closed Price: $48.15

BFH Stock Rating

Bread Financial stock's rating consensus is Hold, based on 34 Wall Street analysts. The breakdown includes 0 Strong Buy (0.00%), 13 Buy (38.24%), 18 Hold (52.94%), 3 Sell (8.82%), and 0 Strong Sell (0.00%).

Hold
Total 34 0 3 18 13 Strong Sell Sell Hold Buy Strong Buy

BFH Price Target Upside V Benchmarks

TypeNameUpside
StockBread Financial8.00%
SectorFinancial Services Stocks 11.26%
IndustryCredit Services Stocks16.51%
IdeaBuy Now Pay Later Stocks List57.37%

Price Target Trends

1M3M12M
# Anlaysts1213
Avg Price Target$36.00$52.00$50.46
Last Closing Price$48.15$48.15$48.15
Upside/Downside-25.23%8.00%4.80%
Ratings Trends
DateStrong BuyBuyHoldSellStrong SellTotal
Apr, 25248-216
Mar, 25248-216
Feb, 25248-216
Jan, 252410-319
Dec, 2424101219
Analyst Price Target Forecasts
DateAnalystCompanyPrice TargetPrice when PublishedPrice Target/Price when PublishedPrice Target/Last Closing Price
Apr 24, 2025Jeffrey AdelsonMorgan Stanley$36.00$48.91-26.40%-25.23%
Jan 31, 2025Jon ArfstromRBC Capital$68.00$63.337.37%41.23%
Dec 19, 2024Jeffrey AdelsonMorgan Stanley$76.00$64.3318.14%57.84%
Oct 28, 2024Bill RyanSeaport Global$56.00$51.229.33%16.30%
Oct 08, 2024Terry MaBarclays$35.00$48.30-27.54%-27.31%
Sep 25, 2024Mihir BhatiaBank of America Securities$57.00$47.0021.28%18.38%
Sep 24, 2024John HechtJefferies$50.00$50.83-1.63%3.84%
Aug 09, 2024Mihir BhatiaBank of America Securities$54.00$47.7313.14%12.15%
Jul 09, 2024John HechtJefferies$45.00$44.930.16%-6.54%
Jun 20, 2024Jon ArfstromRBC Capital$45.00$40.8410.19%-6.54%
Analyst Rating Forecasts
DateCompanyPrevious RatingNew RatingRating Change
Apr 24, 2025Morgan StanleyUnderweightUnderweighthold
Apr 07, 2025Morgan StanleyOverweightUnderweightdowngrade
Jan 31, 2025RBC CapitalSector PerformSector Performhold
Jan 31, 2025Cowen & Co.HoldHoldhold
Jan 21, 2025Compass PointBuyBuyhold
Dec 19, 2024Morgan StanleyOverweightupgrade
Oct 28, 2024Seaport GlobalBuyBuyhold
Oct 08, 2024BarclaysUnderweightUnderweighthold
Sep 24, 2024JefferiesHoldHoldhold
Aug 19, 2024Prescience PointUnderperformUnderperformhold

Financial Forecast

EPS Forecast

$0 $4 $8 $12 $16 $20 Dec 20 Dec 21 Dec 22 Dec 23 Dec 24 Dec 25 Dec 26 Dec 27
Dec 20Dec 21Dec 22Dec 23Dec 24Dec 25Dec 26Dec 27
Reported$6.17$16.12$4.47$14.42$5.58---
Avg Forecast$6.67$15.97$4.37$12.02$6.91$7.01$9.62$6.84
High Forecast$7.29$17.43$4.59$12.96$7.18$8.17$13.76$7.29
Low Forecast$6.22$14.89$4.13$11.38$6.79$5.47$6.12$6.48
Surprise %-7.50%0.94%2.29%19.97%-19.25%---

Revenue Forecast

$3B $4B $4B $5B $5B $6B Dec 20 Dec 21 Dec 22 Dec 23 Dec 24 Dec 25 Dec 26 Dec 27
Dec 20Dec 21Dec 22Dec 23Dec 24Dec 25Dec 26Dec 27
Reported$4.52B$3.27B$3.87B$3.06B$5.02B---
Avg Forecast$4.54B$4.30B$3.80B$4.24B$3.89B$3.97B$4.26B$4.32B
High Forecast$4.85B$4.61B$3.95B$4.28B$3.90B$4.14B$4.29B$4.53B
Low Forecast$4.30B$4.08B$3.64B$4.21B$3.74B$3.84B$4.24B$4.14B
Surprise %-0.30%-23.94%1.81%-27.77%29.07%---

Net Income Forecast

$200M $340M $480M $620M $760M $900M Dec 20 Dec 21 Dec 22 Dec 23 Dec 24 Dec 25 Dec 26 Dec 27
Dec 20Dec 21Dec 22Dec 23Dec 24Dec 25Dec 26Dec 27
Reported$295.00M$801.00M$223.00M$718.00M$277.00M---
Avg Forecast$333.73M$798.49M$218.40M$608.52M$349.40M$330.27M$479.20M$342.00M
High Forecast$364.31M$871.67M$229.67M$648.16M$359.17M$408.53M$687.85M$364.42M
Low Forecast$311.18M$744.54M$206.61M$568.88M$339.64M$273.26M$305.93M$324.16M
Surprise %-11.60%0.31%2.11%17.99%-20.72%---

BFH Forecast FAQ

Is Bread Financial stock a buy?

Bread Financial stock has a consensus rating of Hold, based on 34 Wall Street analysts. The rating breakdown includes 0 Strong Buy, 13 Buy, 18 Hold, 3 Sell, and 0 Strong Sell, reflecting a consensus that Bread Financial is a neutral investment for most analysts.

What is Bread Financial's price target?

Bread Financial's price target, set by 34 Wall Street analysts, averages $52 over the next 12 months. The price target range spans from $36 at the low end to $68 at the high end, suggesting a potential 8.00% change from the previous closing price of $48.15.

How does Bread Financial stock forecast compare to its benchmarks?

Bread Financial's stock forecast shows a 8.00% upside, underperforming the average forecast for the financial services stocks sector (11.26%) and underperforming the credit services stocks industry (16.51%), trailing the Buy Now Pay Later Stocks List (57.37%) investment idea.

What is the breakdown of analyst ratings for Bread Financial over the past three months?

  • April 2025: 12.50% Strong Buy, 25.00% Buy, 50.00% Hold, 0% Sell, 12.50% Strong Sell.
  • March 2025: 12.50% Strong Buy, 25.00% Buy, 50.00% Hold, 0% Sell, 12.50% Strong Sell.
  • February 2025: 12.50% Strong Buy, 25.00% Buy, 50.00% Hold, 0% Sell, 12.50% Strong Sell.

What is Bread Financial’s EPS forecast?

Bread Financial's average annual EPS forecast for its fiscal year ending in December 2025 is $7.01, marking a 25.63% increase from the reported $5.58 in 2024. Estimates for the following years are $9.62 in 2026, and $6.84 in 2027.

What is Bread Financial’s revenue forecast?

Bread Financial's average annual revenue forecast for its fiscal year ending in December 2025 is $3.97B, reflecting a -21.08% decrease from the reported $5.02B in 2024. The forecast for 2026 is $4.26B, and $4.32B for 2027.

What is Bread Financial’s net income forecast?

Bread Financial's net income forecast for the fiscal year ending in December 2025 stands at $330.27M, representing an 19.23% increase from the reported $277M in 2024. Projections indicate $479.2M in 2026, and $342M in 2027.