Bread Financial (BFH) Stock Forecast, Price Target & Predictions
BFH Stock Forecast
Bread Financial stock forecast is as follows: an average price target of $47.25 (represents a -14.90% downside from BFH’s last price of $55.52) 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 $47.25 based on 1-year price targets from 16 Wall Street analysts in the past 3 months, with a price target range of $54.00 to $40.00. This represents a potential -14.90% downside from BFH's last price of $55.52.
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 |
|---|---|---|---|---|---|---|
| Aug 09, 2024 | Mihir Bhatia | Bank of America Securities | $54.00 | $47.73 | 13.14% | -2.74% |
| Jul 09, 2024 | John Hecht | Jefferies | $45.00 | $44.93 | 0.16% | -18.95% |
| Jun 20, 2024 | Jon Arfstrom | RBC Capital | $45.00 | $40.84 | 10.19% | -18.95% |
| Jun 20, 2024 | John Pancari | Evercore ISI | $45.00 | $40.84 | 10.19% | -18.95% |
| Jun 12, 2024 | Ryan Nash | Goldman Sachs | $40.00 | $40.21 | -0.52% | -27.95% |
| May 13, 2024 | Bill Ryan | Seaport Global | $49.00 | $41.05 | 19.37% | -11.74% |
| Apr 04, 2024 | Bill Carcache | Wolfe Research | $48.00 | $35.39 | 35.63% | -13.54% |
| Jan 26, 2024 | Dominick Gabriele | Oppenheimer | $52.00 | $35.47 | 46.60% | -6.34% |
The latest Bread Financial stock forecast, released on Aug 09, 2024 by Mihir Bhatia from Bank of America Securities, set a price target of $54.00, which represents a 13.14% increase from the stock price at the time of the forecast ($47.73), and a -2.74% decrease from BFH last price ($55.52).
Bread Financial Price Target by Period
| 1M | 3M | 12M | |
|---|---|---|---|
| # Anlaysts | 1 | 5 | 8 |
| Avg Price Target | $54.00 | $45.80 | $47.25 |
| Last Closing Price | $55.52 | $55.52 | $55.52 |
| Upside/Downside | -2.74% | -17.51% | -14.90% |
In the current month, the average price target of Bread Financial stock is $54.00, according to 1 Wall Street analyst offering twelve months forecast. The average price target represents a -2.74% decrease as opposed to Bread Financial's last price of $55.52. This month's average price target is up 17.90% compared to last quarter, and up 14.29% compared to last year.
Analyst Ratings Upgrades/Downgrades
| Date | Company | Previous Rating | New Rating | Rating Change |
|---|---|---|---|---|
| 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 |
| Jul 15, 2024 | Compass Point | - | Buy | Initialise |
| Jul 09, 2024 | Jefferies | Hold | Hold | Hold |
| Jul 09, 2024 | Barclays | Underweight | Underweight | Hold |
Bread Financial's last stock rating was published by Prescience Point on Aug 19, 2024. The company gave BFH a "Underperform" 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 | Jul 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 | - | $933.00M | $458.50M | $1.10B | $1.01B | $1.08B | $1.11B | $1.05B | $979.30M | $1.38B | $1.46B | $1.44B |
| Avg Forecast | $1.06B | $1.05B | $991.93M | $993.80M | $980.71M | $962.04M | $944.50M | $943.73M | $953.92M | $979.04M | $922.01M | $998.96M | $983.41M | $994.98M | $965.81M | $1.06B | $1.00B | $968.53M | $901.65M | $907.90M | $1.09B | $1.05B | $1.06B | $1.12B | $1.01B | $1.16B | $1.28B | $1.49B | $1.43B | $1.35B |
| High Forecast | $1.11B | $1.11B | $1.04B | $1.05B | $1.03B | $1.01B | $994.28M | $993.47M | $1.00B | $1.01B | $970.60M | $1.05B | $1.03B | $1.04B | $1.02B | $1.11B | $1.05B | $1.02B | $901.65M | $942.20M | $1.13B | $1.09B | $1.10B | $1.17B | $1.05B | $1.20B | $1.33B | $1.55B | $1.48B | $1.40B |
| Low Forecast | $1.01B | $1.00B | $944.87M | $946.65M | $934.18M | $916.39M | $899.69M | $898.95M | $908.66M | $950.49M | $878.26M | $951.57M | $957.53M | $980.20M | $919.99M | $1.01B | $953.99M | $922.58M | $901.65M | $875.18M | $1.05B | $1.01B | $1.02B | $1.08B | $973.08M | $1.12B | $1.23B | $1.44B | $1.38B | $1.30B |
| # Analysts | 5 | 4 | 5 | 4 | 4 | 3 | 4 | 3 | 5 | 8 | 5 | 3 | 6 | 12 | 9 | 9 | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 10 | 10 | 10 | 10 | 5 | 5 |
| Surprise % | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.04% | 1.24% | 1.27% | 1.03% | 1.02% | - | 1.03% | 0.42% | 1.04% | 0.95% | 0.97% | 1.10% | 0.91% | 0.76% | 0.93% | 1.02% | 1.06% |
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 | Jul 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | Sep 20 | Jun 20 | Mar 20 | Dec 19 | Sep 19 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| # Analysts | 5 | 4 | 5 | 4 | 4 | 3 | 4 | 3 | 5 | 8 | 5 | 3 | 6 | 12 | 9 | 9 | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 10 | 10 | 10 | 10 | 5 | 5 |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | $465.00M | $310.00M | $890.00M | $20.00M | $351.00M | - | $401.00M | $17.00M | $322.40M | $403.10M | $428.40M | $157.80M | $240.80M | $114.40M | $92.60M | $204.70M | $6.00M |
| Avg Forecast | $291.32M | $289.15M | $273.05M | $273.56M | $269.96M | $264.82M | $259.99M | $259.78M | $262.58M | $269.50M | $253.80M | $274.98M | $270.70M | $273.89M | $265.86M | $290.46M | $275.69M | $266.61M | $248.20M | $420.96M | $299.31M | $289.75M | $292.38M | $309.32M | $277.87M | $318.44M | $352.49M | $410.15M | $393.57M | $372.07M |
| High Forecast | $306.67M | $304.39M | $287.44M | $287.98M | $284.19M | $278.78M | $273.70M | $273.47M | $276.42M | $278.75M | $267.18M | $289.48M | $282.48M | $285.04M | $279.87M | $305.77M | $290.22M | $280.66M | $248.20M | $505.15M | $310.62M | $300.69M | $303.43M | $321.01M | $288.37M | $330.47M | $365.80M | $425.65M | $408.44M | $386.12M |
| Low Forecast | $277.50M | $275.43M | $260.09M | $260.58M | $257.15M | $252.26M | $247.66M | $247.45M | $250.13M | $261.64M | $241.76M | $261.94M | $263.58M | $269.82M | $253.25M | $276.68M | $262.61M | $253.96M | $248.20M | $336.77M | $288.52M | $279.31M | $281.84M | $298.18M | $267.86M | $306.97M | $339.78M | $395.37M | $379.38M | $358.66M |
| Surprise % | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.70% | 1.17% | 3.06% | 0.07% | 1.32% | - | 0.95% | 0.06% | 1.11% | 1.38% | 1.38% | 0.57% | 0.76% | 0.32% | 0.23% | 0.52% | 0.02% |
6 analysts predict BFH's average Quarter EBITDA for Dec 23 to be $270.70M, with a high of $282.48M and a low of $263.58M. This is -41.78% 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 | Jul 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | Sep 20 | Jun 20 | Mar 20 | Dec 19 | Sep 19 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| # Analysts | 5 | 4 | 5 | 4 | 4 | 3 | 4 | 3 | 5 | 8 | 5 | 3 | 6 | 12 | 9 | 9 | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 10 | 10 | 10 | 10 | 5 | 5 |
| Net Income | - | - | - | - | - | - | - | - | - | - | - | - | - | $171.00M | $48.00M | $455.00M | $-134.00M | $134.00M | - | $210.00M | $13.60M | $223.70M | $273.50M | $286.20M | $12.00M | $133.30M | $38.40M | $30.00M | $97.50M | $-107.60M |
| Avg Forecast | $108.77M | $142.57M | $102.91M | $140.39M | $50.87M | $113.76M | $103.52M | $87.59M | $6.37M | $101.79M | $83.07M | $149.77M | $-33.87M | $116.86M | $3.18M | $351.49M | $-147.51M | $126.50M | $109.79M | $220.45M | $141.28M | $146.78M | $125.59M | $96.00M | $89.80M | $43.09M | $108.42M | $165.81M | $209.28M | $157.25M |
| High Forecast | $116.22M | $152.34M | $109.96M | $150.01M | $54.35M | $121.56M | $110.61M | $93.59M | $6.80M | $129.28M | $88.76M | $160.04M | $7.89M | $141.15M | $3.40M | $375.57M | $-138.41M | $135.17M | $109.79M | $264.54M | $148.22M | $153.99M | $131.76M | $100.71M | $94.21M | $45.21M | $113.74M | $173.95M | $219.55M | $164.97M |
| Low Forecast | $102.06M | $133.77M | $96.56M | $131.73M | $47.73M | $106.75M | $97.13M | $82.19M | $5.98M | $79.40M | $77.95M | $140.54M | $-54.29M | $72.34M | $2.98M | $329.81M | $-157.62M | $118.70M | $109.79M | $176.36M | $134.66M | $139.91M | $119.71M | $91.50M | $85.59M | $41.07M | $103.34M | $158.04M | $199.47M | $149.88M |
| Surprise % | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.46% | 15.09% | 1.29% | 0.91% | 1.06% | - | 0.95% | 0.10% | 1.52% | 2.18% | 2.98% | 0.13% | 3.09% | 0.35% | 0.18% | 0.47% | -0.68% |
Bread Financial's average Quarter net income forecast for Dec 23 is $-33.87M, with a range of $-54.29M to $7.89M. BFH's average Quarter net income forecast represents a -119.81% 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 | Jul 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | Sep 20 | Jun 20 | Mar 20 | Dec 19 | Sep 19 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| # Analysts | 5 | 4 | 5 | 4 | 4 | 3 | 4 | 3 | 5 | 8 | 5 | 3 | 6 | 12 | 9 | 9 | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 10 | 10 | 10 | 10 | 5 | 5 |
| SG&A | - | - | - | - | - | - | - | - | - | - | - | - | - | $246.00M | $40.00M | $259.00M | $263.00M | $246.00M | - | $210.00M | $217.40M | $34.50M | $27.20M | $16.90M | $32.50M | $29.00M | $20.40M | $23.90M | $23.20M | $31.80M |
| Avg Forecast | $167.53M | $166.28M | $157.02M | $157.32M | $155.24M | $152.29M | $149.51M | $149.39M | $151.00M | $154.98M | $145.95M | $158.13M | $155.67M | $157.50M | $152.89M | $167.03M | $158.54M | $153.32M | $142.73M | $220.45M | $172.12M | $166.62M | $168.14M | $177.88M | $159.80M | $183.12M | $202.70M | $235.86M | $226.33M | $213.96M |
| High Forecast | $176.36M | $175.04M | $165.30M | $165.61M | $163.43M | $160.31M | $157.39M | $157.26M | $158.96M | $160.30M | $153.64M | $166.47M | $162.44M | $163.92M | $160.94M | $175.84M | $166.89M | $161.40M | $142.73M | $264.54M | $178.62M | $172.92M | $174.49M | $184.60M | $165.83M | $190.04M | $210.36M | $244.77M | $234.88M | $222.04M |
| Low Forecast | $159.58M | $158.39M | $149.57M | $149.85M | $147.88M | $145.06M | $142.42M | $142.30M | $143.84M | $150.46M | $139.03M | $150.63M | $151.57M | $155.16M | $145.63M | $159.11M | $151.01M | $146.04M | $142.73M | $176.36M | $165.92M | $160.62M | $162.08M | $171.47M | $154.04M | $176.52M | $195.40M | $227.36M | $218.17M | $206.25M |
| Surprise % | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.56% | 0.26% | 1.55% | 1.66% | 1.60% | - | 0.95% | 1.26% | 0.21% | 0.16% | 0.10% | 0.20% | 0.16% | 0.10% | 0.10% | 0.10% | 0.15% |
Bread Financial's average Quarter SG&A projection for Dec 23 is $155.67M, based on 6 Wall Street analysts, with a range of $151.57M to $162.44M. The forecast indicates a -36.72% 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 | Jul 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | Sep 20 | Jun 20 | Mar 20 | Dec 19 | Sep 19 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| # Analysts | 5 | 4 | 5 | 4 | 4 | 3 | 4 | 3 | 5 | 8 | 5 | 3 | 6 | 12 | 9 | 9 | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 10 | 10 | 10 | 10 | 5 | 5 |
| EPS | - | - | - | - | - | - | - | - | - | - | - | - | - | $3.44 | $0.96 | $9.10 | $-2.69 | $2.69 | - | $4.22 | $0.27 | $4.50 | $5.50 | $5.76 | $0.25 | $2.79 | $0.81 | $0.63 | $2.07 | $-2.22 |
| Avg Forecast | $2.17 | $2.84 | $2.05 | $2.80 | $1.01 | $2.27 | $2.06 | $1.74 | $0.13 | $2.03 | $1.65 | $2.98 | $-0.67 | $2.33 | $0.06 | $7.00 | $-2.94 | $2.52 | $2.21 | $4.32 | $2.83 | $2.94 | $2.51 | $1.92 | $1.80 | $0.86 | $2.17 | $3.32 | $4.19 | $3.14 |
| High Forecast | $2.32 | $3.03 | $2.19 | $2.99 | $1.08 | $2.42 | $2.20 | $1.86 | $0.14 | $2.58 | $1.77 | $3.19 | $0.16 | $2.81 | $0.07 | $7.48 | $-2.76 | $2.69 | $2.21 | $4.53 | $2.96 | $3.08 | $2.64 | $2.01 | $1.88 | $0.90 | $2.27 | $3.48 | $4.39 | $3.30 |
| Low Forecast | $2.03 | $2.66 | $1.92 | $2.62 | $0.95 | $2.13 | $1.93 | $1.64 | $0.12 | $1.58 | $1.55 | $2.80 | $-1.08 | $1.44 | $0.06 | $6.57 | $-3.14 | $2.36 | $2.21 | $4.12 | $2.69 | $2.80 | $2.39 | $1.83 | $1.71 | $0.82 | $2.07 | $3.16 | $3.99 | $3.00 |
| Surprise % | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.48% | 15.15% | 1.30% | 0.92% | 1.07% | - | 0.98% | 0.10% | 1.53% | 2.19% | 3.00% | 0.14% | 3.24% | 0.37% | 0.19% | 0.49% | -0.71% |
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 | $2.78 | $11.17 | 301.80% | Hold |
| WU | Western Union Company | $12.15 | $18.09 | 48.89% | Hold |
| SLM | SLM | $20.14 | $23.80 | 18.17% | Buy |
| ALLY | Ally Financial | $39.56 | $46.06 | 16.43% | Buy |
| EZPW | EZCORP | $11.53 | $12.75 | 10.58% | Buy |
| FCFS | FirstCash | $118.74 | $130.00 | 9.48% | Buy |
| DFS | Discover Financial Services | $128.68 | $133.89 | 4.05% | Buy |
| NAVI | Navient | $15.84 | $16.00 | 1.01% | Buy |
| BFH | Bread Financial | $55.52 | $47.25 | -14.90% | Buy |
| ENVA | Enova | $77.28 | $60.75 | -21.39% | Buy |
BFH Forecast FAQ
Is Bread Financial a good buy?
Yes, according to 16 Wall Street analysts, Bread Financial (BFH) is considered a 'Buy'. The rating consensus is based on 0 'Strong Buy' and 9 'Buy' recommendations, accounting for 56.25% of BFH's total ratings.
What is BFH's price target?
Bread Financial (BFH) average price target is $47.25 with a range of $40 to $54, implying a -14.90% from its last price of $55.52. The data is based on 16 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 -14.90% (from the last price of $55.52 to the average price target of $47.25), down by -2.74% based on the highest stock price target, and down by -27.95% based on the lowest stock price target.
Can Bread Financial stock reach $80?
BFH's average twelve months analyst stock price target of $47.25 does not support the claim that Bread Financial can reach $80 in the near future.
What is Bread Financial's current price target trend?
1 Wall Street analyst forecast a $54 price target for Bread Financial (BFH) this month, down -2.74% from its last price of $55.52. Compared to the last 3 and 12 months, the average price target decreased by -17.51% and decreased by -14.90%, respectively.
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 $3.83B (high $4.03B, low $3.65B), average EBITDA is $1.05B (high $1.11B, low $1B), average net income is $355.74M (high $380.11M, low $333.8M), average SG&A $606.43M (high $638.39M, low $577.66M), and average EPS is $7.09 (high $7.57, low $6.65). BFH's analysts financial forecasts for the fiscal year (Dec 2026) are as follows: average revenue is $4.09B (high $4.31B, low $3.9B), average EBITDA is $1.13B (high $1.19B, low $1.07B), average net income is $494.64M (high $528.53M, low $464.13M), average SG&A $648.14M (high $682.3M, low $617.39M), and average EPS is $9.85 (high $10.53, low $9.25).
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 $1.21B by -24.47%. The company's net income was $223M, missing the average estimation of $309.23M by -27.89%. Apple's SG&A was $959M, beating the average forecast of $675.03M by 42.07%. 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 $273.89M by 69.78%. Bread Financial's net income was $171M, beating the average estimation of $116.86M by 46.33%. The company's SG&A was $246M, beating the average forecast of $157.5M by 56.19%. Lastly, the company's EPS was $3.44, beating the average prediction of $2.33 by 47.77%