BFH
Q3 2026 EPS Estimate
$2.72
Jul 23, 2026 · Reports before open
Revenue Estimate
$958M
FY2026E EPS$11.25
FY2027E EPS$12.79

Analyst Sentiment

Wall St. Consensus
Hold
29 analysts·High coverage
58
Score
12 Buy (41%)14 Hold (48%)3 Sell (11%)
Rating Breakdown
Strong Buy
00%
Buy
1241%
Hold
1448%
Sell
310%
Strong Sell
00%

Analyst ratings reflect Wall Street opinion, not guarantees. Historical accuracy varies by firm and sector.

Price Target Expectations

Bear
$70.00
-33.6%
Consensus
$99.00
-6.0%
Bull
$132.00
+25.3%
12-Month Target Range29 analysts
$70.00$99.00$132.00
Current $105.37Consensus
Current Price
$105.37
Above Consensus
$6.37

Price targets are 12-month analyst forecasts. Actual results depend on earnings, market conditions, and sector trends.

Earnings & Revenue Estimates

Forward Growth Estimates (YoY)
FY2027
Rev+3.84%
EPS+13.71%
FY2028
Rev+3.37%
EPS+14.34%
Raw consensus estimates (low / average / high) from covering analysts.
Annual
MetricFY2026EFY2027EFY2028E
Revenue Avg$3.95B$4.11B$4.24B
Low$3.93B$4.05B$4.23B
High$3.97B$4.17B$4.26B
EBITDA Avg$717M$745M$770M
Low$713M$734M$768M
High$721M$756M$772M
EBIT Avg$621M$645M$666M
Low$618M$635M$665M
High$624M$654M$668M
Net Income Avg$465M$601M$675M
Low$445M$538M$548M
High$556M$664M$802M
EPS Avg$11.25$12.79$14.63
Low$9.68$11.69$11.92
High$12.08$14.44$17.44
Analysts (Rev / EPS)11 / 1011 / 115 / 5
Quarterly
MetricQ3 2026Q4 2026Q1 2027Q2 2027Q3 2027Q4 2027Q1 2028Q2 2028
Revenue Avg$990M$988M$1.04B$996M$1.03B$1.04B$1.10B$1.03B
Low$985M$973M$1.02B$981M$1.02B$1.02B$1.08B$1.01B
High$997M$1000M$1.05B$1.01B$1.05B$1.05B$1.11B$1.04B
EBITDA Avg$180M$179M$188M$181M$188M$189M$200M$187M
Low$179M$176M$185M$178M$185M$186M$197M$184M
High$181M$181M$190M$183M$190M$191M$202M$189M
EBIT Avg$156M$155M$163M$156M$162M$164M$173M$162M
Low$155M$153M$160M$154M$160M$161M$170M$159M
High$157M$157M$165M$158M$164M$165M$175M$164M
Net Income Avg$136M$47M$173M$147M$166M$69M$231M$196M
Low$124M$46M$169M$144M$163M$67M$226M$192M
High$149M$48M$175M$149M$169M$70M$234M$199M
EPS Avg$3.14$1.10$4.00$3.40$3.85$1.59$5.34$4.54
Low$2.86$1.07$3.92$3.33$3.77$1.56$5.23$4.45
High$3.45$1.11$4.06$3.46$3.90$1.62$5.42$4.61
Analysts (Rev / EPS)8 / 77 / 34 / 36 / 24 / 27 / 23 / 35 / 6

Earnings Surprises

Recent Analyst Actions

Jun 30, 2026BTIG
Bread Financial price target raised to $132 from $105 at BTIG
Target:$132.00
+21.4%from $108.73
Jun 12, 2026RBC Capital
Bread Financial Holdings (BFH) PT Raised at RBC Capital; 'Tailwinds across the company'
Target:$115.00
+12.7%from $102.00
Jun 10, 2026Wolfe Research
Bread Financial Holdings (BFH) PT Raised to $108 at BofA Securities
Target:$108.00
+12.1%from $96.30
May 21, 2026Loop Capital Markets
Bread Financial initiated with a Buy at Loop Capital
Target:$104.00
+21.2%from $85.78
Apr 29, 2026Evercore ISI
Bread Financial price target raised to $99 from $87 at Evercore ISI
Target:$99.00
+14.3%from $86.60
Apr 24, 2026RBC Capital
Bread Financial price target raised to $105 from $90 at RBC Capital
Target:$105.00
+19.5%from $87.88
Apr 24, 2026Morgan Stanley
Bread Financial price target raised to $98 from $91 at Morgan Stanley
Target:$98.00
+10.5%from $88.71
Apr 24, 2026Barclays
Bread Financial price target raised to $70 from $67 at Barclays
Target:$70.00
-24.0%from $92.12
Apr 16, 2026Morgan Stanley
Bread Financial upgraded to Equal Weight from Underweight at Morgan Stanley
Target:$91.00
+9.4%from $83.15
Apr 10, 2026RBC Capital
Bread Financial price target raised to $90 from $83 at RBC Capital
Target:$90.00
+14.4%from $78.67
Mar 11, 2026Morgan Stanley
Bread Financial Holdings (BFH) PT Raised to $92 at BofA Securities: "near-term trends appear favorable"
Target:$92.00
+26.3%from $72.85
Feb 5, 2026Evercore ISI
Bread Financial upgraded to Outperform from In Line at Evercore ISI
Target:$90.00
+17.6%from $76.50
Jan 30, 2026Barclays
Bread Financial price target raised to $64 from $61 at Barclays
Target:$64.00
-12.4%from $73.03
Jan 20, 2026Morgan Stanley
Bread Financial price target raised to $62 from $57 at Morgan Stanley
Target:$62.00
-14.7%from $72.70
Jan 12, 2026RBC Capital
Bread Financial price target raised to $83 from $70 at RBC Capital
Target:$83.00
+15.3%from $71.96
Jan 8, 2026UBS
Bread Financial initiated with a Buy at UBS
Target:$92.00
+15.0%from $79.98
Jan 6, 2026Evercore ISI
Bread Financial price target raised to $81 from $72 at Evercore ISI
Target:$81.00
+3.8%from $78.03
Jan 6, 2026Goldman Sachs
Bread Financial upgraded to Neutral from Sell at Goldman Sachs
Target:$84.00
+10.1%from $76.30
Jan 6, 2026Barclays
Bread Financial price target raised to $61 from $52 at Barclays
Target:$61.00
-20.1%from $76.30
Dec 16, 2025Morgan Stanley
Bread Financial price target raised to $57 from $55 at Morgan Stanley
Target:$57.00
-24.0%from $75.04
Oct 24, 2025Morgan Stanley
Bread Financial price target raised to $55 from $53 at Morgan Stanley
Target:$55.00
-16.0%from $65.46
Oct 6, 2025Barclays
Bread Financial price target lowered to $50 from $52 at Barclays
Target:$50.00
-10.2%from $55.71
Sep 30, 2025Evercore ISI
Bread Financial price target lowered to $64 from $68 at Evercore ISI
Target:$64.00
+10.2%from $58.07
Sep 29, 2025Morgan Stanley
Bread Financial price target raised to $53 from $51 at Morgan Stanley
Target:$53.00
-11.1%from $59.59
Jul 14, 2025BTIG
Bread Financial upgraded to Buy from Neutral at BTIG
Target:$105.00
+71.5%from $61.24
Data is provided for informational purposes only and does not constitute investment advice. Past performance is not indicative of future results.