Ticker: BFH

Bread Financial

Finance Financials Financial - Credit Services

Price 106.37

Reco Buy Potential 68 Risk 38 Updated 2026-09-11

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AI recommendation Analyst forecast Calendar event Positive signal Negative signal Neutral / update Hold / informational B My buy S My sell

Description

Company and Business Model

Bread Financial operates in the financial services sector, providing a range of consumer credit products and services. Its core offerings include credit cards, personal loans, and point-of-sale financing solutions. The company primarily generates revenue through interest income and fees associated with its credit products. Major business segments encompass consumer lending and payment solutions, targeting both individual consumers and retail partners.

Investment Profile

The investment profile of Bread Financial is more aligned with growth investors, given its potential for earnings expansion and strategic initiatives in consumer finance. The company offers a modest dividend yield, appealing to those seeking some income. Its performance metrics suggest a balanced approach, suitable for investors looking for a mix of growth and income opportunities.

Category: Finance Sector: Financials Industry: Financial - Credit Services Investment style: Growth Horizon: Medium-term Company type: Niche Player

Fundamental metrics (experimental) Updated: 2026-09-12

EPS (TTM) — earnings per share for the last 12 months, $: 12.38
Revenue QoQ — quarter-over-quarter revenue growth: 3.2%
EPS surprise: 417.5%
20d volatility: 2.0%
Dividend yield: 1.2%
last ex-date: 2026-02-27

AI recommendation changes

Date	Before	After	Reason
2026-09-04	Hold	Buy	Strong EPS growth and positive momentum indicators.
2026-08-31	Buy	Hold	Strong EPS but mixed momentum and performance signals.
2026-08-23	Hold	Buy	Strong EPS growth, but recent volatility raises concerns.
2026-08-21	Buy	Hold	Weak momentum and high risk offset potential upside.
2026-07-11	Hold	Buy	Strong EPS but recent negative momentum raises concerns.
2026-07-09	Buy	Hold	Negative momentum and high risk limit upside potential.
2026-06-02	Hold	Buy	Strong EPS surprise and positive momentum indicators.
2026-05-24	Buy	Hold	Strong EPS surprise, but revenue decline raises concerns.
2026-05-16	Hold	Buy	Strong EPS but recent revenue decline raises concerns.
2026-05-14	Buy	Hold	Mixed performance; high risk with uncertain momentum.
2026-05-08	—	Buy	Strong EPS but mixed revenue trends and market signals.
2026-05-08	Buy	Buy	Компания демонстрирует сильный рост за последние 120 дней, а также высокий показатель EPS. Низкий риск и дивидендная доходность делают её привлекательной для инвестиций.
2026-05-01	Hold	Buy	Компания демонстрирует сильный рост за последние 120 дней и имеет высокий показатель EPS, что указывает на хорошие финансовые результаты. Низкий риск и умеренная дивидендная доходность делают её привлекательной для инвес
2026-04-19	Buy	Hold	Компания показывает сильный рост за последние месяцы, что указывает на положительные перспективы. Высокий показатель Surprise также свидетельствует о том, что результаты компании превышают ожидания рынка.
2026-03-21	Hold	Buy	Компания показывает сильный рост за последние 120 дней, несмотря на небольшие колебания в краткосрочной перспективе. Высокий показатель EPS и значительное превышение ожиданий по прибыли также поддерживают позитивный взгл
2026-03-11	Buy	Hold	Компания показывает стабильный рост за последние 120 дней, однако недавнее снижение выручки и волатильность цен могут указывать на риски. Рекомендуется удерживать акции до более ясных сигналов на рынке.
2026-03-03	Hold	Buy	Компания показывает положительную динамику на длительном горизонте, а также высокий уровень прибыли на акцию. Низкий риск и дивидендная доходность делают её привлекательной для инвестиций.
2026-03-01	Buy	Hold	Компания демонстрирует смешанные результаты, с недавним падением цены акций и отрицательной динамикой выручки. Однако, наличие положительного сюрприза и умеренный рост за более длительный период указывает на возможность
2026-02-21	—	Buy	Компания демонстрирует положительную динамику цен на акции за последние 60 и 120 дней, что указывает на сильный рост. При этом риск остается на приемлемом уровне, что делает её привлекательной для инвестиций.

Analyst forecasts

Date	Analyst	Action	Target	Price Then
2026-09-11	Wells Fargo	Update	— → 115	106.86
2026-08-25	Wolfe Research	Update	— → 130	105.19
2026-08-03	UBS	Target Raised	120 → 127	108.07
2026-07-27	Seaport Global	Target Raised	113 → 119	107.415
2026-07-24	Morgan Stanley	Target Raised	102 → 107	101.84
2026-07-24	Barclays	Target Raised	104 → 109	103.58
2026-07-20	Morgan Stanley	Target Raised	98 → 102	99.82
2026-07-07	UBS	Target Raised	94 → 120	105.01
2026-07-07	Goldman Sachs	Target Raised	94 → 108	103.52
2026-07-07	Barclays	Rating Upgraded	— → 104	103.52
2026-07-06	Evercore ISI	Target Raised	99 → 116	103.74
2026-06-30	BTIG	Target Raised	105 → 132	108.73
2026-06-12	RBC Capital	Target Raised	— → 115	102
2026-06-10	Wolfe Research	Target Raised	— → 108	96.3
2026-05-21	Loop Capital Markets	Update	— → 104	85.78
2026-04-29	Evercore ISI	Target Raised	87 → 99	86.6
2026-04-24	RBC Capital	Target Raised	90 → 105	87.88
2026-04-24	Morgan Stanley	Target Raised	91 → 98	88.71
2026-04-24	Barclays	Target Raised	67 → 70	92.12
2026-04-16	Morgan Stanley	Rating Upgraded	— → 91	83.15
2026-04-10	RBC Capital	Target Raised	83 → 90	78.67
2026-03-11	Morgan Stanley	Target Raised	— → 92	72.85
2026-02-05	Evercore ISI	Rating Upgraded	— → 90	76.5
2026-01-30	Barclays	Target Raised	61 → 64	73.03
2026-01-20	Morgan Stanley	Target Raised	57 → 62	72.7

News Page 1 of 1

Analysts Jefferies report increased CD yields above 4% as banks compete for deposits

08/12/2026, 01:37 PM investing research Analysts: analysts, Jefferies Jefferies Financial Group Bread Financial Popular Inc. PNC Financial

Recent increases in certificate of deposit (CD) yields above 4% reflect heightened competition among banks for deposits, which could impact funding costs and interest rate strategies moving forward.

Synchrony Financial Raises 12-Month CD Rate to 4% Amidst Steady Federal Reserve Rates

07/29/2026, 12:35 PM investing announcement finance Capital One SLM Corp Bread Financial Synchrony Financial

Investors now have more opportunities to secure 4% yields on certificates of deposit as several banks raise their rates, despite the Federal Reserve maintaining its current interest rate levels. This trend indicates a potential shift in the banking sector's approach to deposit competition and loan funding costs.

Where to Find Competitive CD Yields Amid Uncertain Fed Rate Policy

06/30/2026, 12:37 PM investing review Happen Bank Citi Bread Financial Synchrony Financial Popular Inc. Bank of America

As the Federal Reserve's rate policy remains uncertain, investors can still find attractive yields on certificates of deposit (CDs), with some banks offering rates above 4%. This situation highlights the shifting dynamics in the banking sector as they adjust rates amid inflation concerns and potential rate hikes.

Bread Financial Raises 1-Year CD Yield to 4% Amidst Economic Uncertainty

05/27/2026, 12:32 PM investing rating_growth Analysts: BTIG finance Bread Financial

Despite a challenging outlook for Federal Reserve rate cuts this year, some banks are offering competitive yields on cash instruments, providing opportunities for savers amid rising inflation and fuel prices.