Bread Financial (BFH) Stock Forecast, Price Target & Predictions
BFH Stock Forecast
Bread Financial stock forecast is as follows: an average price target of $47.56 (represents a -17.42% downside from BFH’s last price of $57.59) and a rating consensus of 'Buy', based on 16 wall street analysts offering a 1-year stock forecast.
BFH Price Target
The average price target for Bread Financial (BFH) is $47.56 based on 1-year price targets from 16 Wall Street analysts in the past 3 months, with a price target range of $57.00 to $35.00. This represents a potential -17.42% downside from BFH's last price of $57.59.
BFH Analyst Ratings
According to 16 Wall Street analysts, Bread Financial's rating consensus is 'Buy'. The analyst rating breakdown for BFH stock is 0 'Strong Buy' (0.00%), 9 'Buy' (56.25%), 5 'Hold' (31.25%), 2 'Sell' (12.50%), and 0 'Strong Sell' (0.00%).
Bread Financial Price Target by Analyst
| Date | Analyst | Company | Price Target | Price when Published | Price Target/Price when Published | Price Target/Last Closing Price |
|---|---|---|---|---|---|---|
| Oct 28, 2024 | Bill Ryan | Seaport Global | $56.00 | $51.22 | 9.33% | -2.76% |
| Oct 08, 2024 | Terry Ma | Barclays | $35.00 | $48.30 | -27.54% | -39.23% |
| Sep 25, 2024 | Mihir Bhatia | Bank of America Securities | $57.00 | $47.00 | 21.28% | -1.02% |
| Sep 24, 2024 | John Hecht | Jefferies | $50.00 | $50.83 | -1.63% | -13.18% |
| Aug 09, 2024 | Mihir Bhatia | Bank of America Securities | $54.00 | $47.73 | 13.14% | -6.23% |
| Jul 09, 2024 | John Hecht | Jefferies | $45.00 | $44.93 | 0.16% | -21.86% |
| Jun 20, 2024 | Jon Arfstrom | RBC Capital | $45.00 | $40.84 | 10.19% | -21.86% |
| Jun 20, 2024 | John Pancari | Evercore ISI | $45.00 | $40.84 | 10.19% | -21.86% |
| Jun 12, 2024 | Ryan Nash | Goldman Sachs | $40.00 | $40.21 | -0.52% | -30.54% |
| May 13, 2024 | Bill Ryan | Seaport Global | $49.00 | $41.05 | 19.37% | -14.92% |
The latest Bread Financial stock forecast, released on Oct 28, 2024 by Bill Ryan from Seaport Global, set a price target of $56.00, which represents a 9.33% increase from the stock price at the time of the forecast ($51.22), and a -2.76% decrease from BFH last price ($57.59).
Bread Financial Price Target by Period
| 1M | 3M | 12M | |
|---|---|---|---|
| # Anlaysts | 1 | 4 | 12 |
| Avg Price Target | $56.00 | $49.50 | $48.00 |
| Last Closing Price | $57.59 | $57.59 | $57.59 |
| Upside/Downside | -2.76% | -14.05% | -16.65% |
In the current month, the average price target of Bread Financial stock is $56.00, according to 1 Wall Street analyst offering twelve months forecast. The average price target represents a -2.76% decrease as opposed to Bread Financial's last price of $57.59. This month's average price target is up 13.13% compared to last quarter, and up 16.67% compared to last year.
Analyst Ratings Upgrades/Downgrades
| Date | Company | Previous Rating | New Rating | Rating Change |
|---|---|---|---|---|
| Oct 28, 2024 | Seaport Global | Buy | Buy | Hold |
| Oct 08, 2024 | Barclays | Underweight | Underweight | Hold |
| Sep 24, 2024 | Jefferies | Hold | Hold | Hold |
| Aug 19, 2024 | Prescience Point | Underperform | Underperform | Hold |
| Aug 19, 2024 | RBC Capital | Sector Perform | Sector Perform | Hold |
| Aug 09, 2024 | Bank of America Securities | - | Buy | Upgrade |
| Jul 26, 2024 | Cowen & Co. | Hold | Hold | Hold |
| Jul 26, 2024 | Compass Point | Buy | Buy | Hold |
| Jul 16, 2024 | Keefe, Bruyette & Woods | Underperform | Underperform | Hold |
| Jul 16, 2024 | RBC Capital | Sector Perform | Sector Perform | Hold |
Bread Financial's last stock rating was published by Seaport Global on Oct 28, 2024. The company gave BFH a "Buy" rating, the same as its previous rate.
Bread Financial Financial Forecast
Bread Financial Revenue Forecast
| Dec 26 | Sep 26 | Jun 26 | Mar 26 | Dec 25 | Sep 25 | Jun 25 | Mar 25 | Dec 24 | Sep 24 | Jun 24 | Mar 24 | Dec 23 | Sep 23 | Jun 23 | Mar 23 | Dec 22 | Sep 22 | Jun 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | Sep 20 | Jun 20 | Mar 20 | Dec 19 | Sep 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 | $1.07B | $1.07B | $1.02B | $1.01B | $980.80M | $968.69M | $961.07M | $962.99M | $968.37M | $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 | $1.12B | $1.12B | $1.06B | $1.05B | $1.02B | $1.01B | $1.00B | $992.50M | $1.00B | $981.59M | $922.01M | $998.96M | $1.03B | $1.04B | $1.01B | $1.10B | $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 | $1.02B | $1.02B | $967.61M | $964.49M | $934.61M | $923.07M | $915.81M | $944.67M | $955.28M | $980.93M | $922.01M | $998.96M | $957.53M | $980.20M | $920.33M | $1.01B | $954.35M | $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 |
| # Analysts | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 6 | 8 | 4 | 3 | 3 | 6 | 12 | 9 | 9 | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 9 | 9 | 9 | 9 | 5 | 5 |
| 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 26 | Sep 26 | Jun 26 | Mar 26 | Dec 25 | Sep 25 | Jun 25 | Mar 25 | Dec 24 | Sep 24 | Jun 24 | Mar 24 | Dec 23 | Sep 23 | Jun 23 | Mar 23 | Dec 22 | Sep 22 | Jun 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | Sep 20 | Jun 20 | Mar 20 | Dec 19 | Sep 19 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| # Analysts | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 6 | 8 | 4 | 3 | 3 | 6 | 12 | 9 | 9 | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 9 | 9 | 9 | 9 | 5 | 5 |
| 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 | $226.96M | $226.95M | $215.14M | $214.45M | $207.81M | $205.24M | $203.63M | $204.03M | $205.18M | $207.91M | $195.35M | $211.66M | $208.36M | $210.81M | $204.63M | $223.57M | $212.20M | $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 | $236.40M | $236.38M | $224.09M | $223.36M | $216.44M | $213.77M | $212.09M | $210.29M | $212.52M | $207.98M | $195.35M | $211.66M | $217.42M | $219.40M | $213.14M | $232.86M | $221.01M | $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 | $216.28M | $216.26M | $205.01M | $204.35M | $198.02M | $195.58M | $194.04M | $200.15M | $202.40M | $207.84M | $195.35M | $211.66M | $202.88M | $207.68M | $195.00M | $213.04M | $202.20M | $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 % | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.21% | 1.51% | 3.98% | 0.09% | 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 $208.36M, with a high of $217.42M and a low of $202.88M. This is -55.19% lower than Bread Financial's previous annual EBITDA (Sep 23) of $465.00M.
Bread Financial Net Income Forecast
| Dec 26 | Sep 26 | Jun 26 | Mar 26 | Dec 25 | Sep 25 | Jun 25 | Mar 25 | Dec 24 | Sep 24 | Jun 24 | Mar 24 | Dec 23 | Sep 23 | Jun 23 | Mar 23 | Dec 22 | Sep 22 | Jun 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | Sep 20 | Jun 20 | Mar 20 | Dec 19 | Sep 19 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| # Analysts | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 6 | 8 | 4 | 3 | 3 | 6 | 12 | 9 | 9 | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 9 | 9 | 9 | 9 | 5 | 5 |
| 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 | $78.98M | $146.23M | $119.73M | $86.34M | $31.95M | $96.60M | $76.91M | $75.87M | $14.86M | $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 | $83.24M | $154.13M | $126.20M | $91.00M | $33.68M | $101.82M | $81.06M | $122.62M | $51.36M | $101.12M | $84.42M | $152.45M | $8.01M | $143.39M | $3.41M | $376.38M | $-140.69M | $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 | $74.14M | $137.28M | $112.40M | $81.05M | $30.00M | $90.69M | $72.20M | $26.24M | $-11.04M | $96.80M | $84.37M | $151.87M | $-55.16M | $73.50M | $3.03M | $335.23M | $-157.96M | $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 26 | Sep 26 | Jun 26 | Mar 26 | Dec 25 | Sep 25 | Jun 25 | Mar 25 | Dec 24 | Sep 24 | Jun 24 | Mar 24 | Dec 23 | Sep 23 | Jun 23 | Mar 23 | Dec 22 | Sep 22 | Jun 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | Sep 20 | Jun 20 | Mar 20 | Dec 19 | Sep 19 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| # Analysts | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 6 | 8 | 4 | 3 | 3 | 6 | 12 | 9 | 9 | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 9 | 9 | 9 | 9 | 5 | 5 |
| 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 | $190.26M | $190.25M | $180.36M | $179.78M | $174.21M | $172.06M | $170.70M | $171.04M | $172.00M | $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 | $198.17M | $198.16M | $187.85M | $187.25M | $181.45M | $179.21M | $177.80M | $176.28M | $178.15M | $174.35M | $163.76M | $177.43M | $182.27M | $183.92M | $178.67M | $195.21M | $185.28M | $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 | $181.31M | $181.30M | $171.86M | $171.31M | $166.00M | $163.95M | $162.66M | $167.79M | $169.67M | $174.23M | $163.76M | $177.43M | $170.07M | $174.10M | $163.47M | $178.59M | $169.51M | $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 26 | Sep 26 | Jun 26 | Mar 26 | Dec 25 | Sep 25 | Jun 25 | Mar 25 | Dec 24 | Sep 24 | Jun 24 | Mar 24 | Dec 23 | Sep 23 | Jun 23 | Mar 23 | Dec 22 | Sep 22 | Jun 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | Sep 20 | Jun 20 | Mar 20 | Dec 19 | Sep 19 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| # Analysts | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 6 | 8 | 4 | 3 | 3 | 6 | 12 | 9 | 9 | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 9 | 9 | 9 | 9 | 5 | 5 |
| 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 | $1.55 | $2.87 | $2.35 | $1.69 | $0.63 | $1.89 | $1.51 | $1.49 | $0.29 | $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 | $1.63 | $3.02 | $2.47 | $1.78 | $0.66 | $2.00 | $1.59 | $2.40 | $1.01 | $1.98 | $1.66 | $2.99 | $0.16 | $2.81 | $0.07 | $7.38 | $-2.76 | $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 | $1.45 | $2.69 | $2.20 | $1.59 | $0.59 | $1.78 | $1.42 | $0.51 | $-0.22 | $1.90 | $1.65 | $2.98 | $-1.08 | $1.44 | $0.06 | $6.57 | $-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
| Ticker | Company | Last Closing Price | Avg Price Target | Upside/Downside | Avg Rating |
|---|---|---|---|---|---|
| OPRT | Oportun Financial | $3.14 | $11.17 | 255.73% | Hold |
| WU | Western Union Company | $10.75 | $18.09 | 68.28% | Hold |
| ALLY | Ally Financial | $35.57 | $45.47 | 27.83% | Buy |
| FCFS | FirstCash | $105.06 | $130.00 | 23.74% | Buy |
| EZPW | EZCORP | $12.04 | $13.75 | 14.20% | Buy |
| NAVI | Navient | $14.81 | $16.50 | 11.41% | Sell |
| SLM | SLM | $23.87 | $24.29 | 1.76% | Buy |
| ENVA | Enova | $100.28 | $87.83 | -12.42% | Buy |
| BFH | Bread Financial | $57.59 | $47.56 | -17.42% | Buy |
| DFS | Discover Financial Services | $172.50 | $135.32 | -21.55% | Hold |