BFH
Q4 2026 EPS Estimate
$3.40
Oct 22, 2026 · Reports before open
Revenue Estimate
$1.01B
FY2026E EPS$12.16
FY2027E EPS$13.56

Analyst Sentiment

Wall St. Consensus
Hold
28 analysts·High coverage
60
Score
12 Buy (43%)15 Hold (54%)1 Sell (3%)
Rating Breakdown
Strong Buy
00%
Buy
1243%
Hold
1554%
Sell
14%
Strong Sell
00%

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

Price Target Expectations

Bear
$104.00
-6.5%
Consensus
$112.00
+0.7%
Bull
$132.00
+18.7%
12-Month Target Range28 analysts
$104.00$112.00$132.00
Current $111.25Consensus
Current Price
$111.25
Upside to Consensus
$0.75

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+3.96%
EPS+11.47%
FY2028
Rev-0.09%
EPS+14.75%
FY2029
Rev+12.23%
EPS+14.23%
Raw consensus estimates (low / average / high) from covering analysts.
Annual
MetricFY2026EFY2027EFY2028EFY2029EFY2030E
Revenue Avg$3.99B$4.15B$4.15B$4.65B$4.84B
Low$3.94B$4.07B$3.98B$4.54B$4.72B
High$4.03B$4.25B$4.29B$4.75B$4.94B
EBITDA Avg$724M$752M$752M$844M$877M
Low$715M$738M$722M$823M$855M
High$731M$771M$778M$861M$895M
EBIT Avg$627M$652M$651M$731M$760M
Low$619M$639M$625M$712M$741M
High$633M$667M$674M$746M$775M
Net Income Avg$496M$609M$673M$817M$904M
Low$491M$513M$536M$791M$875M
High$597M$705M$811M$839M$929M
EPS Avg$12.16$13.56$15.56$17.77$19.66
Low$10.68$11.16$11.65$17.19$19.02
High$12.97$15.32$17.62$18.25$20.19
Analysts (Rev / EPS)10 / 1010 / 116 / 64 / 33 / 2
Quarterly
MetricQ3 2026Q4 2026Q1 2027Q2 2027Q3 2027Q4 2027Q1 2028Q2 2028
Revenue Avg$1.01B$986M$1.04B$1.02B$1.05B$1.05B$961M$888M
Low$996M$983M$1.02B$995M$1.03B$1.02B$940M$869M
High$1.02B$990M$1.06B$1.04B$1.07B$1.07B$979M$905M
EBITDA Avg$183M$179M$189M$185M$190M$190M$174M$161M
Low$181M$178M$185M$180M$186M$186M$170M$158M
High$185M$180M$193M$188M$194M$193M$177M$164M
EBIT Avg$158M$155M$164M$160M$165M$164M$151M$139M
Low$156M$154M$160M$156M$161M$161M$148M$136M
High$160M$155M$167M$163M$168M$167M$154M$142M
Net Income Avg$140M$43M$178M$143M$164M$65M$173M$161M
Low$123M$32M$173M$139M$159M$63M$168M$156M
High$147M$56M$182M$146M$168M$67M$177M$164M
EPS Avg$3.43$1.07$4.37$3.50$4.03$1.60$4.25$3.94
Low$3.01$0.79$4.25$3.41$3.92$1.56$4.13$3.83
High$3.61$1.36$4.48$3.59$4.13$1.64$4.35$4.04
Analysts (Rev / EPS)7 / 77 / 73 / 23 / 23 / 26 / 55 / 64 / 5

Earnings Surprises

Recent Analyst Actions

Aug 3, 2026UBS
Bread Financial price target raised to $127 from $120 at UBS
Target:$127.00
+17.5%from $108.07
Jul 27, 2026Seaport Global
Bread Financial price target raised to $119 from $113 at Seaport Research
Target:$119.00
+10.8%from $107.42
Jul 24, 2026Morgan Stanley
Bread Financial price target raised to $107 from $102 at Morgan Stanley
Target:$107.00
+5.1%from $101.84
Jul 24, 2026Barclays
Bread Financial price target raised to $109 from $104 at Barclays
Target:$109.00
+5.2%from $103.58
Jul 20, 2026Morgan Stanley
Bread Financial price target raised to $102 from $98 at Morgan Stanley
Target:$102.00
+2.2%from $99.82
Jul 7, 2026UBS
Bread Financial price target raised to $120 from $94 at UBS
Target:$120.00
+14.3%from $105.01
Jul 7, 2026Goldman Sachs
Bread Financial price target raised to $108 from $94 at Goldman Sachs
Target:$108.00
+4.3%from $103.52
Jul 7, 2026Barclays
Bread Financial upgraded to Equal Weight from Underweight at Barclays
Target:$104.00
+0.5%from $103.52
Jul 6, 2026Evercore ISI
Bread Financial price target raised to $116 from $99 at Evercore ISI
Target:$116.00
+11.8%from $103.74
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
Data is provided for informational purposes only and does not constitute investment advice. Past performance is not indicative of future results.