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

OverviewRevenueOwnershipFinancialsChartTranscripts

BFH Stock Forecast

Bread Financial (BFH) stock forecast, based on 36 Wall Street analysts, predicts a 12-month average price target of $69.67, with a high of $105.00 and a low of $36.00. This represents a 8.83% increase from the last price of $64.02.

$30 $45 $60 $75 $90 $105 High: $105 Avg: $69.67 Low: $36 Last Closed Price: $64.02

BFH Stock Rating

Bread Financial stock's rating consensus is Hold, based on 36 Wall Street analysts. The breakdown includes 0 Strong Buy (0.00%), 13 Buy (36.11%), 20 Hold (55.56%), 3 Sell (8.33%), and 0 Strong Sell (0.00%).

Hold
Total 36 3 20 13 0 Strong Sell Sell Hold Buy Strong Buy

BFH Price Target Upside V Benchmarks

TypeNameUpside
StockBread Financial8.83%
SectorFinancial Services Stocks -0.35%
IndustryCredit Services Stocks3.89%
IdeaBuy Now Pay Later Stocks List12.69%

Price Target Trends

1M3M12M
# Anlaysts119
Avg Price Target$105.00$105.00$59.67
Last Closing Price$64.02$64.02$64.02
Upside/Downside64.01%64.01%-6.79%
Ratings Trends
DateStrong BuyBuyHoldSellStrong SellTotal
Jul, 251482116
Jun, 251481216
May, 251481216
Apr, 25248-216
Mar, 25248-216
Analyst Price Target Forecasts
DateAnalystCompanyPrice TargetPrice when PublishedPrice Target/Price when PublishedPrice Target/Last Closing Price
Jul 14, 2025Vincent CainticBTIG$105.00$61.2471.46%64.01%
Apr 24, 2025Jeffrey AdelsonMorgan Stanley$36.00$48.91-26.40%-43.77%
Jan 31, 2025Jon ArfstromRBC Capital$68.00$63.337.37%6.22%
Dec 19, 2024Jeffrey AdelsonMorgan Stanley$76.00$64.3318.14%18.71%
Oct 28, 2024Bill RyanSeaport Global$56.00$51.229.33%-12.53%
Oct 08, 2024Terry MaBarclays$35.00$48.30-27.54%-45.33%
Sep 25, 2024Mihir BhatiaBank of America Securities$57.00$47.0021.28%-10.97%
Sep 24, 2024John HechtJefferies$50.00$50.83-1.63%-21.90%
Aug 09, 2024Mihir BhatiaBank of America Securities$54.00$47.7313.14%-15.65%
Jul 09, 2024John HechtJefferies$45.00$44.930.16%-29.71%
Analyst Rating Forecasts
DateCompanyPrevious RatingNew RatingRating Change
Jul 25, 2025Seaport GlobalBuyBuyhold
Jul 14, 2025RBC CapitalSector PerformSector Performhold
Jul 14, 2025BTIGNeutralBuyupgrade
Jul 08, 2025BarclaysUnderweightUnderweighthold
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

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 36 Wall Street analysts. The rating breakdown includes 0 Strong Buy, 13 Buy, 20 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 36 Wall Street analysts, averages $69.67 over the next 12 months. The price target range spans from $36 at the low end to $105 at the high end, suggesting a potential 8.83% change from the previous closing price of $64.02.

How does Bread Financial stock forecast compare to its benchmarks?

Bread Financial's stock forecast shows a 8.83% upside, outperforming the average forecast for the financial services stocks sector (-0.35%) and outperforming the credit services stocks industry (3.89%), trailing the Buy Now Pay Later Stocks List (12.69%) investment idea.

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

  • July 2025: 6.25% Strong Buy, 25.00% Buy, 50.00% Hold, 12.50% Sell, 6.25% Strong Sell.
  • June 2025: 6.25% Strong Buy, 25.00% Buy, 50.00% Hold, 6.25% Sell, 12.50% Strong Sell.
  • May 2025: 6.25% Strong Buy, 25.00% Buy, 50.00% Hold, 6.25% 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.