​

Bread Financial (BFH) Stock Forecast, Price Target & Predictions

OverviewRevenueOwnershipFinancialsChartTranscripts

BFH Stock Forecast

Bread Financial stock forecast is as follows: an average price target of $54.80 (represents a -13.90% downside from BFH’s last price of $63.65) and a rating consensus of 'Buy', based on 17 wall street analysts offering a 1-year stock forecast.

BFH Price Target

The average price target for Bread Financial (BFH) is $54.80 based on 1-year price targets from 17 Wall Street analysts in the past 3 months, with a price target range of $76.00 to $35.00. This represents a potential -13.90% downside from BFH's last price of $63.65.

BFH Analyst Ratings

Buy

According to 17 Wall Street analysts, Bread Financial's rating consensus is 'Buy'. The analyst rating breakdown for BFH stock is 0 'Strong Buy' (0.00%), 10 'Buy' (58.82%), 5 'Hold' (29.41%), 2 'Sell' (11.76%), and 0 'Strong Sell' (0.00%).

Bread Financial Price Target by Analyst

DateAnalystCompanyPrice TargetPrice when PublishedPrice Target/Price when PublishedPrice Target/Last Closing Price
Dec 19, 2024Jeffrey AdelsonMorgan Stanley$76.00$64.3318.14%19.40%
Oct 28, 2024Bill RyanSeaport Global$56.00$51.229.33%-12.02%
Oct 08, 2024Terry MaBarclays$35.00$48.30-27.54%-45.01%
Sep 25, 2024Mihir BhatiaBank of America Securities$57.00$47.0021.28%-10.45%
Sep 24, 2024John HechtJefferies$50.00$50.83-1.63%-21.45%
Aug 09, 2024Mihir BhatiaBank of America Securities$54.00$47.7313.14%-15.16%
Jul 09, 2024John HechtJefferies$45.00$44.930.16%-29.30%
Jun 20, 2024Jon ArfstromRBC Capital$45.00$40.8410.19%-29.30%
Jun 20, 2024John PancariEvercore ISI$45.00$40.8410.19%-29.30%
Jun 12, 2024Ryan NashGoldman Sachs$40.00$40.21-0.52%-37.16%
May 13, 2024Bill RyanSeaport Global$49.00$41.0519.37%-23.02%
Apr 04, 2024Bill CarcacheWolfe Research$48.00$35.3935.63%-24.59%
Jan 26, 2024Dominick GabrieleOppenheimer$52.00$35.4746.60%-18.30%

The latest Bread Financial stock forecast, released on Dec 19, 2024 by Jeffrey Adelson from Morgan Stanley, set a price target of $76.00, which represents a 18.14% increase from the stock price at the time of the forecast ($64.33), and a 19.40% increase from BFH last price ($63.65).

Bread Financial Price Target by Period

1M3M12M
# Anlaysts-112
Avg Price Target-$76.00$50.00
Last Closing Price$63.65$63.65$63.65
Upside/Downside-100.00%19.40%-21.45%

In the current month, the average price target of Bread Financial stock is -, according to 0 Wall Street analyst offering twelve months forecast. The average price target represents a -100.00% decrease as opposed to Bread Financial's last price of $63.65. This month's average price target is down -100.00% compared to last quarter, and down -100.00% compared to last year.

Analyst Ratings Upgrades/Downgrades

DateCompanyPrevious RatingNew RatingRating Change
Jan 21, 2025Compass PointBuyBuyHold
Dec 19, 2024Morgan StanleyOverweightUpgrade
Oct 28, 2024Seaport GlobalBuyBuyHold
Oct 08, 2024BarclaysUnderweightUnderweightHold
Sep 24, 2024JefferiesHoldHoldHold
Aug 19, 2024Prescience PointUnderperformUnderperformHold
Aug 19, 2024RBC CapitalSector PerformSector PerformHold
Aug 09, 2024Bank of America SecuritiesBuyUpgrade
Jul 26, 2024Cowen & Co.HoldHoldHold
Jul 26, 2024Compass PointBuyBuyHold
Jul 16, 2024Keefe, Bruyette & WoodsUnderperformUnderperformHold
Jul 16, 2024RBC CapitalSector PerformSector PerformHold
Jul 15, 2024Compass PointBuyInitialise
Jul 09, 2024JefferiesHoldHoldHold
Jul 09, 2024BarclaysUnderweightUnderweightHold
Jun 25, 2024Wolfe ResearchSector PerformSector PerformHold
Jun 25, 2024RBC CapitalUnderperformUnderperformHold
Jun 20, 2024BernsteinOutperformOutperformHold
Jun 20, 2024CitigroupBuyBuyHold
Jun 20, 2024Keefe, Bruyette & WoodsMarket PerformMarket PerformHold
Jun 20, 2024Cowen & Co.Market PerformBuyUpgrade
Jun 20, 2024Evercore ISIOutperformOutperformHold
Jun 20, 2024RBC CapitalSector PerformSector PerformHold
Jun 12, 2024Goldman SachsSellSellHold
Jun 12, 2024Keefe, Bruyette & WoodsOutperformOutperformHold
Jun 06, 2024BTIGNeutralInitialise
May 13, 2024Seaport GlobalBuyBuyHold
May 02, 2024Keefe, Bruyette & WoodsOutperformUpgrade
Apr 04, 2024Wolfe ResearchMarket PerformMarket PerformHold
Apr 04, 2024RBC CapitalUnderperformUnderperformHold
Apr 04, 2024Wolfe ResearchOutperformUpgrade
Jan 26, 2024RBC CapitalSector PerformSector PerformHold
Jan 26, 2024Goldman SachsUnderperformUnderperformHold
Jan 26, 2024OppenheimerOutperformUpgrade
Oct 02, 2023BenchmarkBuyInitialise
Oct 02, 2023Cowen & Co.Market PerformInitialise
Jan 05, 2023StephensOverweightUpgrade

Bread Financial's last stock rating was published by Compass Point on Jan 21, 2025. The company gave BFH a "Buy" rating, the same as its previous rate.

Bread Financial Financial Forecast

Bread Financial Revenue Forecast

Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jun 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20Sep 20Jun 20Mar 20Dec 19Sep 19
Revenue-------------$1.03B$1.20B$1.33B$1.03B$990.00M$914.00M$933.00M$458.50M$1.10B$1.01B$1.08B$1.11B$1.05B$979.30M$1.38B$1.46B$1.44B
Avg Forecast$1.11B$1.10B$1.05B$1.05B$1.01B$1.00B$952.91M$958.10M$962.82M$981.26M$922.01M$998.96M$983.41M$994.98M$965.81M$1.06B$1.00B$968.53M$901.65M$907.90M$1.11B$1.09B$1.05B$1.06B$1.12B$1.01B$1.16B$1.28B$1.49B$1.43B
High Forecast$1.15B$1.14B$1.08B$1.09B$1.05B$1.04B$986.09M$978.53M$972.03M$981.59M$922.01M$998.96M$1.03B$1.04B$999.44M$1.09B$1.04B$968.53M$901.65M$907.90M$1.11B$1.09B$1.05B$1.06B$1.12B$1.01B$1.16B$1.28B$1.49B$1.43B
Low Forecast$1.09B$1.07B$1.02B$1.03B$986.07M$978.78M$928.89M$940.60M$957.95M$980.93M$922.01M$998.96M$957.53M$980.20M$941.46M$1.03B$980.36M$968.53M$901.65M$907.90M$1.11B$1.09B$1.05B$1.06B$1.12B$1.01B$1.16B$1.28B$1.49B$1.43B
# Analysts3333444684336129955556666999955
Surprise %-------------1.04%1.24%1.27%1.03%1.02%1.01%1.03%0.41%1.01%0.96%1.02%0.99%1.04%0.85%1.08%0.98%1.01%

Bread Financial's average Quarter revenue forecast for Dec 23 based on 6 analysts is $983.41M, with a low forecast of $957.53M, and a high forecast of $1.03B. BFH's average Quarter revenue forecast represents a -4.62% decrease compared to the company's last Quarter revenue of $1.03B (Sep 23).

Bread Financial EBITDA Forecast

Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jun 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20Sep 20Jun 20Mar 20Dec 19Sep 19
# Analysts3333444684336129955556666999955
EBITDA-------------$465.00M$310.00M$890.00M$20.00M$351.00M$141.00M$401.00M$17.00M$322.40M$403.10M$428.40M$157.80M$240.80M$114.40M$92.60M$204.70M$6.00M
Avg Forecast$157.03M$154.96M$147.58M$148.72M$142.66M$141.61M$134.39M$135.12M$135.78M$138.38M$130.03M$140.88M$138.69M$140.32M$136.21M$148.81M$141.24M$266.61M$248.20M$420.96M$304.40M$299.31M$289.75M$292.38M$309.32M$277.87M$318.44M$352.49M$410.15M$393.57M
High Forecast$162.49M$160.35M$152.72M$153.89M$147.63M$146.53M$139.06M$138.00M$137.08M$138.43M$130.03M$140.88M$144.72M$146.03M$140.95M$153.99M$147.18M$266.61M$248.20M$505.15M$304.40M$299.31M$289.75M$292.38M$309.32M$277.87M$318.44M$352.49M$410.15M$393.57M
Low Forecast$153.07M$151.05M$143.86M$144.97M$139.06M$138.03M$131.00M$132.65M$135.10M$138.34M$130.03M$140.88M$135.04M$138.23M$132.77M$145.06M$138.26M$266.61M$248.20M$336.77M$304.40M$299.31M$289.75M$292.38M$309.32M$277.87M$318.44M$352.49M$410.15M$393.57M
Surprise %-------------3.31%2.28%5.98%0.14%1.32%0.57%0.95%0.06%1.08%1.39%1.47%0.51%0.87%0.36%0.26%0.50%0.02%

6 analysts predict BFH's average Quarter EBITDA for Dec 23 to be $138.69M, with a high of $144.72M and a low of $135.04M. This is -70.17% lower than Bread Financial's previous annual EBITDA (Sep 23) of $465.00M.

Bread Financial Net Income Forecast

Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jun 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20Sep 20Jun 20Mar 20Dec 19Sep 19
# Analysts3333444684336129955556666999955
Net Income-------------$171.00M$48.00M$455.00M$-134.00M$134.00M$12.00M$210.00M$13.60M$223.70M$273.50M$286.20M$12.00M$133.30M$38.40M$30.00M$97.50M$-107.60M
Avg Forecast$90.44M$160.42M$149.00M$126.83M$50.36M$115.17M$83.47M$80.19M$17.13M$98.96M$84.40M$152.16M$-34.41M$118.72M$3.23M$357.09M$-149.86M$126.50M$110.89M$220.45M$90.89M$141.84M$147.37M$126.10M$96.38M$90.16M$43.26M$108.85M$166.47M$210.11M
High Forecast$94.53M$167.68M$155.74M$132.57M$52.64M$120.38M$87.24M$131.78M$31.24M$101.12M$84.42M$152.45M$8.01M$143.39M$3.38M$373.25M$-145.75M$126.50M$110.89M$264.54M$92.92M$141.84M$147.37M$126.10M$96.38M$90.16M$43.26M$108.85M$166.47M$210.11M
Low Forecast$87.47M$155.16M$144.11M$122.67M$48.71M$111.39M$80.73M$22.47M$-13.10M$96.80M$84.37M$151.87M$-55.16M$73.50M$3.12M$345.38M$-158.06M$126.50M$110.89M$176.36M$88.86M$141.84M$147.37M$126.10M$96.38M$90.16M$43.26M$108.85M$166.47M$210.11M
Surprise %-------------1.44%14.86%1.27%0.89%1.06%0.11%0.95%0.15%1.58%1.86%2.27%0.12%1.48%0.89%0.28%0.59%-0.51%

Bread Financial's average Quarter net income forecast for Dec 23 is $-34.41M, with a range of $-55.16M to $8.01M. BFH's average Quarter net income forecast represents a -120.13% decrease compared to the company's last Quarter net income of $171.00M (Sep 23).

Bread Financial SG&A Forecast

Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jun 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20Sep 20Jun 20Mar 20Dec 19Sep 19
# Analysts3333444684336129955556666999955
SG&A-------------$246.00M$40.00M$259.00M$263.00M$246.00M$241.00M$210.00M$217.40M$34.50M$27.20M$16.90M$32.50M$29.00M$20.40M$23.90M$23.20M$31.80M
Avg Forecast$197.77M$195.16M$185.87M$187.30M$179.67M$178.35M$169.25M$170.18M$171.01M$174.29M$163.76M$177.43M$174.67M$176.73M$171.54M$187.42M$177.89M$153.32M$142.73M$220.45M$175.05M$172.12M$166.62M$168.14M$177.88M$159.80M$183.12M$202.70M$235.86M$226.33M
High Forecast$204.65M$201.95M$192.34M$193.82M$185.93M$184.55M$175.15M$173.80M$172.65M$174.35M$163.76M$177.43M$182.27M$183.92M$177.52M$193.94M$185.37M$153.32M$142.73M$264.54M$175.05M$172.12M$166.62M$168.14M$177.88M$159.80M$183.12M$202.70M$235.86M$226.33M
Low Forecast$192.78M$190.24M$181.19M$182.58M$175.14M$173.85M$164.99M$167.07M$170.15M$174.23M$163.76M$177.43M$170.07M$174.10M$167.22M$182.69M$174.13M$153.32M$142.73M$176.36M$175.05M$172.12M$166.62M$168.14M$177.88M$159.80M$183.12M$202.70M$235.86M$226.33M
Surprise %-------------1.39%0.23%1.38%1.48%1.60%1.69%0.95%1.24%0.20%0.16%0.10%0.18%0.18%0.11%0.12%0.10%0.14%

Bread Financial's average Quarter SG&A projection for Dec 23 is $174.67M, based on 6 Wall Street analysts, with a range of $170.07M to $182.27M. The forecast indicates a -29.00% fall compared to BFH last annual SG&A of $246.00M (Sep 23).

Bread Financial EPS Forecast

Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jun 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20Sep 20Jun 20Mar 20Dec 19Sep 19
# Analysts3333444684336129955556666999955
EPS-------------$3.44$0.96$9.10$-2.69$2.69$0.25$4.22$0.27$4.50$5.50$5.76$0.25$2.79$0.81$0.63$2.07$-2.22
Avg Forecast$1.77$3.15$2.92$2.49$0.99$2.26$1.64$1.57$0.34$1.94$1.65$2.98$-0.67$2.33$0.06$7.00$-2.94$2.52$2.21$4.32$1.81$2.83$2.94$2.51$1.92$1.80$0.86$2.17$3.32$4.19
High Forecast$1.85$3.29$3.05$2.60$1.03$2.36$1.71$2.58$0.61$1.98$1.66$2.99$0.16$2.81$0.07$7.32$-2.86$2.52$2.21$4.32$1.85$2.83$2.94$2.51$1.92$1.80$0.86$2.17$3.32$4.19
Low Forecast$1.72$3.04$2.83$2.41$0.96$2.18$1.58$0.44$-0.26$1.90$1.65$2.98$-1.08$1.44$0.06$6.77$-3.10$2.52$2.21$4.32$1.77$2.83$2.94$2.51$1.92$1.80$0.86$2.17$3.32$4.19
Surprise %-------------1.48%15.15%1.30%0.92%1.07%0.11%0.98%0.15%1.59%1.87%2.29%0.13%1.55%0.94%0.29%0.62%-0.53%

According to 6 Wall Street analysts, Bread Financial's projected average Quarter EPS for Dec 23 is $-0.67, with a low estimate of $-1.08 and a high estimate of $0.16. This represents a -119.62% decrease compared to BFH previous annual EPS of $3.44 (Sep 23).

Bread Financial Peer Comparison by Price Target

TickerCompanyLast Closing PriceAvg Price TargetUpside/DownsideAvg Rating
OPRTOportun Financial$3.99$11.17179.95%Hold
WUWestern Union$10.34$18.0974.95%Hold
EZPWEZCORP$12.42$19.0052.98%Buy
NAVINavient$14.27$17.0019.13%Sell
FCFSFirstCash$111.94$130.0016.13%Buy
ALLYAlly Financial$38.91$40.293.55%Buy
DFSDiscover Financial Services$201.03$187.50-6.73%Hold
ENVAEnova$112.06$104.00-7.19%Buy
SLMSLM$28.70$26.33-8.26%Buy
BFHBread Financial$63.65$54.80-13.90%Buy

BFH Forecast FAQ

Is Bread Financial a good buy?

Yes, according to 17 Wall Street analysts, Bread Financial (BFH) is considered a 'Buy'. The rating consensus is based on 0 'Strong Buy' and 10 'Buy' recommendations, accounting for 58.82% of BFH's total ratings.

What is BFH's price target?

Bread Financial (BFH) average price target is $54.8 with a range of $35 to $76, implying a -13.90% from its last price of $63.65. The data is based on 17 Wall Street analysts who provided a twelve-month price target estimate in the last three months.

Will Bread Financial stock go up soon?

According to Wall Street analysts' prediction for BFH stock, the company can go down by -13.90% (from the last price of $63.65 to the average price target of $54.8), up by 19.40% based on the highest stock price target, and down by -45.01% based on the lowest stock price target.

Can Bread Financial stock reach $100?

BFH's average twelve months analyst stock price target of $54.8 does not support the claim that Bread Financial can reach $100 in the near future.

What are Bread Financial's analysts' financial forecasts?

Bread Financial's analysts financial forecasts for the fiscal year (Dec 2025) are as follows: average revenue is $3.93B (high $4.05B, low $3.83B), average EBITDA is $553.77M (high $571.22M, low $540.74M), average net income is $329.18M (high $392.04M, low $263.31M), average SG&A $697.45M (high $719.43M, low $681.04M), and average EPS is $6.45 (high $7.69, low $5.16). BFH's analysts financial forecasts for the fiscal year (Dec 2026) are as follows: average revenue is $4.31B (high $4.46B, low $4.2B), average EBITDA is $608.28M (high $629.46M, low $592.94M), average net income is $526.68M (high $550.51M, low $509.42M), average SG&A $766.1M (high $792.77M, low $746.79M), and average EPS is $10.33 (high $10.79, low $9.99).

Did the BFH's actual financial results beat the analysts' financial forecasts?

Based on Bread Financial's last annual report (Dec 2022), the company's revenue was $3.87B, beating the average analysts forecast of $3.78B by 2.39%. Apple's EBITDA was $915M, missing the average prediction of $1.08B by -15.04%. The company's net income was $223M, missing the average estimation of $307.98M by -27.59%. Apple's SG&A was $959M, beating the average forecast of $694.38M by 38.11%. Lastly, the company's EPS was $4.47, missing the average prediction of $6.11 by -26.82%. In terms of the last quarterly report (Sep 2023), Bread Financial's revenue was $1.03B, beating the average analysts' forecast of $994.98M by 3.62%. The company's EBITDA was $465M, beating the average prediction of $140.32M by 231.39%. Bread Financial's net income was $171M, beating the average estimation of $118.72M by 44.03%. The company's SG&A was $246M, beating the average forecast of $176.73M by 39.20%. Lastly, the company's EPS was $3.44, beating the average prediction of $2.33 by 47.77%