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

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BFH Stock Forecast

Bread Financial (BFH) stock forecast, based on 36 Wall Street analysts, predicts a 12-month average price target of $77.17, with a high of $92.00 and a low of $61.00. This represents a 9.96% increase from the last price of $70.18.

$30 $43 $56 $69 $82 $95 High: $92 Avg: $77.17 Low: $61 Last Closed Price: $70.18

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%), 19 Hold (52.78%), 4 Sell (11.11%), and 0 Strong Sell (0.00%).

Hold
Total 36 4 19 13 0 Strong Sell Sell Hold Buy Strong Buy

BFH Price Target Upside V Benchmarks

TypeNameUpside
StockBread Financial9.96%
SectorFinancial Services Stocks 5.28%
IndustryCredit Services Stocks18.34%
IdeaBuy Now Pay Later Stocks List27.04%

Price Target Trends

1M3M12M
# Anlaysts6714
Avg Price Target$77.17$74.29$67.93
Last Closing Price$70.18$70.18$70.18
Upside/Downside9.96%5.86%-3.21%
Ratings Trends
DateStrong BuyBuyHoldSellStrong SellTotal
Jan, 261472216
Dec, 251572116
Nov, 251572116
Oct, 251572116
Sep, 251572116
Analyst Price Target Forecasts
DateAnalystCompanyPrice TargetPrice when PublishedPrice Target/Price when PublishedPrice Target/Last Closing Price
Jan 20, 2026Morgan Stanley$62.00$72.70-14.72%-11.66%
Jan 12, 2026Jon ArfstromRBC Capital$83.00$71.9615.34%18.27%
Jan 08, 2026UBS$92.00$79.9815.03%31.09%
Jan 06, 2026Evercore ISI$81.00$78.043.79%15.42%
Jan 06, 2026Goldman Sachs$84.00$76.3010.09%19.69%
Jan 06, 2026Terry MaBarclays$61.00$76.30-20.05%-13.08%
Dec 16, 2025Morgan Stanley$57.00$75.04-24.04%-18.78%
Oct 24, 2025Jeffrey AdelsonMorgan Stanley$55.00$65.46-15.98%-21.63%
Oct 06, 2025Terry MaBarclays$50.00$55.71-10.25%-28.75%
Sep 30, 2025Evercore ISI$64.00$58.0710.21%-8.81%
Analyst Rating Forecasts
DateCompanyPrevious RatingNew RatingRating Change
Jan 20, 2026Morgan StanleyUnderweightUnderweighthold
Jan 12, 2026RBC CapitalSector PerformSector Performhold
Jan 08, 2026Cowen & Co.HoldHoldhold
Jan 08, 2026UBSBuyinitialise
Jan 06, 2026Goldman SachsSellNeutralupgrade
Jan 06, 2026BarclaysUnderweightUnderweighthold
Jan 02, 2026Keefe, Bruyette & WoodsOutperformOutperformhold
Dec 16, 2025Morgan StanleyUnderweightUnderweighthold
Dec 08, 2025Wolfe ResearchSector PerformPeer Performdowngrade
Oct 24, 2025Morgan StanleyUnderweightUnderweighthold

Financial Forecast

EPS Forecast

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

Revenue Forecast

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

Net Income Forecast

$200M $340M $480M $620M $760M $900M Dec 21 Dec 22 Dec 23 Dec 24 Dec 25 Dec 26 Dec 27
Dec 21Dec 22Dec 23Dec 24Dec 25Dec 26Dec 27
Reported$801.00M$223.00M$718.00M$277.00M---
Avg Forecast$798.49M$218.40M$608.52M$349.40M$330.27M$479.20M$342.00M
High Forecast$871.67M$229.67M$648.16M$359.17M$408.53M$687.85M$364.42M
Low Forecast$744.54M$206.61M$568.88M$339.64M$273.26M$305.93M$324.16M
Surprise %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, 19 Hold, 4 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 $77.17 over the next 12 months. The price target range spans from $61 at the low end to $92 at the high end, suggesting a potential 9.96% change from the previous closing price of $70.18.

How does Bread Financial stock forecast compare to its benchmarks?

Bread Financial's stock forecast shows a 9.96% upside, outperforming the average forecast for the financial services stocks sector (5.28%) and underperforming the credit services stocks industry (18.34%), trailing the Buy Now Pay Later Stocks List (27.04%) investment idea.

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

  • January 2026: 6.25% Strong Buy, 25.00% Buy, 43.75% Hold, 12.50% Sell, 12.50% Strong Sell.
  • December 2025: 6.25% Strong Buy, 31.25% Buy, 43.75% Hold, 12.50% Sell, 6.25% Strong Sell.
  • November 2025: 6.25% Strong Buy, 31.25% Buy, 43.75% Hold, 12.50% Sell, 6.25% 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.