Bread Financial’s (BFH) “Sector Perform” Rating Reiterated at Royal Bank Of Canada

Royal Bank Of Canada reissued their sector perform rating on shares of Bread Financial (NYSE:BFH) in a research report released on Friday,Benzinga reports. They currently have a $115.00 target price on the stock.

A number of other research firms have also recently commented on BFH. Wall Street Zen upgraded Bread Financial from a “hold” rating to a “buy” rating in a research note on Saturday, June 13th. BTIG Research boosted their price objective on Bread Financial from $105.00 to $132.00 and gave the company a “buy” rating in a report on Tuesday, June 30th. Morgan Stanley increased their target price on Bread Financial from $98.00 to $102.00 and gave the stock an “equal weight” rating in a research note on Monday, July 20th. The Goldman Sachs Group lifted their target price on Bread Financial from $94.00 to $108.00 and gave the company a “neutral” rating in a research report on Tuesday, July 7th. Finally, Zacks Research lowered shares of Bread Financial from a “strong-buy” rating to a “hold” rating in a research note on Monday, July 6th. Eight equities research analysts have rated the stock with a Buy rating, six have issued a Hold rating and one has given a Sell rating to the company. Based on data from MarketBeat, Bread Financial presently has an average rating of “Hold” and a consensus target price of $110.00.

Bread Financial Trading Down 0.2%

Shares of BFH stock opened at $104.15 on Friday. The company has a 50-day moving average of $97.34 and a two-hundred day moving average of $84.20. The firm has a market cap of $4.21 billion, a PE ratio of 8.12, a price-to-earnings-growth ratio of 0.71 and a beta of 1.10. Bread Financial has a 1-year low of $53.83 and a 1-year high of $109.91. The company has a debt-to-equity ratio of 0.25, a current ratio of 1.17 and a quick ratio of 1.15.

Bread Financial (NYSE:BFH) last issued its quarterly earnings data on Thursday, July 23rd. The company reported $3.55 EPS for the quarter, topping the consensus estimate of $2.74 by $0.81. The firm had revenue of $993.00 million for the quarter, compared to analyst estimates of $959.32 million. Bread Financial had a net margin of 11.95% and a return on equity of 18.42%. The business’s revenue for the quarter was up 6.9% compared to the same quarter last year. During the same period in the prior year, the business posted $3.15 EPS. On average, analysts predict that Bread Financial will post 11.31 EPS for the current year.

Bread Financial Dividend Announcement

The firm also recently declared a quarterly dividend, which will be paid on Tuesday, September 15th. Investors of record on Monday, August 31st will be paid a dividend of $0.23 per share. The ex-dividend date is Monday, August 31st. This represents a $0.92 dividend on an annualized basis and a yield of 0.9%. Bread Financial’s dividend payout ratio is currently 7.18%.

Insider Buying and Selling at Bread Financial

In other Bread Financial news, CEO Ralph J. Andretta sold 15,000 shares of Bread Financial stock in a transaction on Friday, May 29th. The shares were sold at an average price of $89.10, for a total value of $1,336,500.00. Following the transaction, the chief executive officer directly owned 582,241 shares in the company, valued at approximately $51,877,673.10. The trade was a 2.51% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the SEC, which can be accessed through this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, Director John J. Fawcett bought 698 shares of Bread Financial stock in a transaction dated Thursday, May 21st. The stock was acquired at an average cost of $86.43 per share, with a total value of $60,328.14. Following the completion of the acquisition, the director directly owned 11,000 shares of the company’s stock, valued at approximately $950,730. The trade was a 6.78% increase in their position. The disclosure for this purchase is available in the SEC filing. Company insiders own 1.30% of the company’s stock.

Institutional Trading of Bread Financial

A number of hedge funds have recently added to or reduced their stakes in BFH. Millennium Management LLC grew its holdings in Bread Financial by 223.4% during the fourth quarter. Millennium Management LLC now owns 665,812 shares of the company’s stock worth $49,290,000 after acquiring an additional 459,916 shares during the period. Bank of America Corp DE grew its position in Bread Financial by 241.1% during the second quarter. Bank of America Corp DE now owns 537,656 shares of the company’s stock worth $30,711,000 after buying an additional 380,039 shares during the period. Goldman Sachs Group Inc. increased its holdings in Bread Financial by 104.8% in the first quarter. Goldman Sachs Group Inc. now owns 736,604 shares of the company’s stock valued at $36,889,000 after buying an additional 376,920 shares in the last quarter. UBS Group AG lifted its position in shares of Bread Financial by 100.4% during the 4th quarter. UBS Group AG now owns 716,725 shares of the company’s stock valued at $53,059,000 after acquiring an additional 359,088 shares during the period. Finally, SG Americas Securities LLC lifted its position in shares of Bread Financial by 899.4% during the 1st quarter. SG Americas Securities LLC now owns 350,061 shares of the company’s stock valued at $26,216,000 after acquiring an additional 315,034 shares during the period. 99.52% of the stock is owned by institutional investors and hedge funds.

Key Stories Impacting Bread Financial

Here are the key news stories impacting Bread Financial this week:

• Positive Sentiment: BFH reported Q2 earnings of $3.55 per share, topping estimates, while revenue rose to $993 million and also beat expectations. BFH Q2 Earnings Beat Estimates on Solid Credit Sales, Revenues Rise Y/Y
• Positive Sentiment: Management said the quarter benefited from solid credit sales, loan growth, and better credit quality, which points to healthier operating trends. Bread Financial (BFH) Q2 2026 Earnings Call Transcript
• Positive Sentiment: Royal Bank of Canada reaffirmed its “sector perform” rating and raised its price target to $115, suggesting additional upside from recent trading levels. Royal Bank of Canada price target note
• Neutral Sentiment: Bread Financial also declared quarterly dividends on its preferred and common stock, reinforcing capital return to shareholders but not necessarily changing the near-term earnings outlook.

Bread Financial Company Profile

Bread Financial, formerly known as Alliance Data Systems, is a Columbus, Ohio–based financial services company that specializes in providing private label credit programs, co-brand credit cards and digital payment solutions for retail partners. The company designs, issues and services proprietary credit products, enabling merchants to offer branded financing options that drive customer loyalty and increase basket sizes at the point of sale. Through its Bread technology platform, Bread Financial delivers installment-based payment options that integrate directly into e-commerce and in-store checkout experiences.

In addition to its core credit offerings, Bread Financial provides analytics, marketing and loyalty services to help merchants better understand consumer behavior and optimize promotional strategies.