Bread Financial Holdings, Inc.BFHNYSE
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Analyst Sentiment

Analysts are neutral — opinion is divided on direction.

Consensus Rating
Hold
24 analysts·High coverage
46%
Rating Distribution
Strong Buy
00%
Buy
1146%
Hold
938%
Sell
417%
Strong Sell
00%

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

Earnings & Revenue Estimates

Earnings Surprises

Recent Analyst Actions

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
Apr 24, 2025Morgan Stanley
Bread Financial price target raised to $36 from $33 at Morgan Stanley
Target:$36.00
-26.4%from $48.91
Jan 31, 2025RBC Capital
Bread Financial price target raised to $68 from $62 at RBC Capital
Target:$68.00
+7.4%from $63.33
Dec 19, 2024Morgan Stanley
Bread Financial double upgraded at Morgan Stanley on 'solid' consumer credit
Target:$76.00
+18.1%from $64.33
Oct 28, 2024Seaport Global
Bread Financial price target lowered to $56 from $58 at Seaport Research
Target:$56.00
+9.3%from $51.22
Oct 8, 2024Barclays
Bread Financial price target lowered to $35 from $37 at Barclays
Target:$35.00
-27.5%from $48.30
Sep 25, 2024Bank of America Securities
Bread Financial price target lowered to $57 from $61 at BofA
Target:$57.00
+21.3%from $47.00
Sep 24, 2024Jefferies
Bread Financial Holdings (BFH) PT Lowered to $50 at Jefferies
Target:$50.00
-1.6%from $50.83
Aug 9, 2024Bank of America Securities
BofA Securities Upgrades Bread Financial Holdings (BFH) to Buy
Target:$54.00
+13.1%from $47.73
Jul 9, 2024Jefferies
Bread Financial price target raised to $45 from $35 at Jefferies
Target:$45.00
+0.2%from $44.93
Jun 20, 2024RBC Capital
Bread Financial Holdings (BFH) PT Raised to $45 at RBC Capital
Target:$45.00
+10.2%from $40.84
Jun 20, 2024Evercore ISI
Evercore ISI Upgrades Bread Financial Holdings (BFH) to In Line
Target:$45.00
+10.2%from $40.84
Jun 12, 2024Goldman Sachs
Goldman Sachs Reiterates Sell Rating on Bread Financial Holdings (BFH)
Target:$40.00
-0.5%from $40.21