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Bread Financial Holdings (BFH): analyst forecast and price target
Analyst consensus
Moderate Buy6 Buy6 Hold0 Sell
Ratings of 12 analysts in the last 3 months12-month forecast
Based on 12 price targets given in the last 3 months, the average target is $117, the highest $130, the lowest $107. The average is +14.4% from the last price of $103.
Analyst ratings 20
| Analyst | Firm | Price target | Rating | Upside | Action | Date | Move vs SPY | |
|---|---|---|---|---|---|---|---|---|
| Jon Arfstrom★★★★★★★★★★#325 · hits 62% · avg +15.8% | RBC Capital | $115 | Hold | +12.1% | Reiterated | 09.10.26on TipRanks Oct 12 21:45 | −0.7%next day +1.1% · 5 days +3.9% | ↗ |
| Bill Ryan★★★★★★★★★★#2653 · hits 65% · avg +12.2% | Seaport Global | $123 → $121−1.6% | Buy | +18.0% | Reiterated | 07.10.26on TipRanks 09:35 | +0.1%next day +3.6% · 5 days +2.3% | ↗ |
| Moshe Orenbuch★★★★★★★★★★#69 · hits 71% · avg +23.3% | TD Cowen | $114 → $111−2.6% | Hold | +8.2% | Reiterated | 06.10.26on TipRanks 09:50 | −1.7%next day +0.1% · 5 days +4.8% | ↗ |
| Mihir Bhatia★★★★★★★★★★#623 · hits 68% · avg +10.8% | Bank of America Securities | — | Buy | — | Reiterated | 05.10.26on TipRanks 10:15 | +0.2%next day −1.7% · 5 days +2.3% | ↗ |
| Terry Ma★★★★★★★★★★#4981 · hits 56% · avg +1.7% | Barclays | $109 → $110+0.9% | Hold | +7.3% | Reiterated | 05.10.26on TipRanks 04:55 | +0.2%next day −1.7% · 5 days +2.3% | ↗ |
| John Pancari★★★★★★★★★★#3316 · hits 58% · avg +3.6% | Evercore ISI | $120 → $118−1.7% | Buy | +15.1% | Reiterated | 01.10.26on TipRanks 07:45 | −1.0%next day +0.4% · 5 days +2.6% | ↗ |
| Donald Fandetti★★★★★★★★★★#586 · hits 64% · avg +10.4% | Wells Fargo | $115 | Hold | +12.1% | Assigned | 30.09.26on TipRanks 06:30 | −2.1%next day −1.0% · 5 days −2.0% | ↗ |
| Terry Ma★★★★★★★★★★#4981 · hits 56% · avg +1.7% | Barclays | $109 | Hold | +6.3% | Reiterated | 16.09.26on TipRanks 05:09 | +0.6%next day −0.8% · 5 days −10.1% | ↗ |
| Mihir Bhatia★★★★★★★★★★#623 · hits 68% · avg +10.8% | Bank of America Securities | $129 | Buy | +25.8% | Reiterated | 15.09.26on TipRanks 09:31 | −1.0%next day +0.6% · 5 days −7.0% | ↗ |
| AI xAi Financial - Credit ServicesxAI Grok-4 | TipRanks - xAI | $131 → $126−3.8% | Buy | +22.9% | Reiterated | 15.09.26on TipRanks 09:06 | — | |
| AI DeepSeek Financial - Credit ServicesDeepSeek V3.2-Speciale | TipRanks - DeepSeek | $132 → $125−5.3% | Buy | +21.9% | Reiterated | 15.09.26on TipRanks 09:06 | — | |
| AI OpenAI Financial - Credit ServicesOpenAI 5.2 | TipRanks - OpenAI | $127 → $122−3.9% | Buy | +19.0% | Reiterated | 15.09.26on TipRanks 09:06 | — | |
| AI Anthropic Financial - Credit ServicesAnthropic Opus-4.6 | TipRanks - Anthropic | $123 → $120−2.4% | Buy | +17.0% | Upgrade | 15.09.26on TipRanks 09:06 | — | |
| AI Google Financial - Credit ServicesGemini 3.1Pro | TipRanks - Google | $133 → $128−3.8% | Buy | +24.8% | Reiterated | 15.09.26on TipRanks 09:06 | — | |
| AI PerPlexity Financial - Credit ServicesPerPlexity SonarPro | TipRanks - PerPlexity | $131 → $128−2.3% | Buy | +24.8% | Reiterated | 15.09.26on TipRanks 09:06 | — | |
| Moshe Orenbuch★★★★★★★★★★#69 · hits 71% · avg +23.3% | TD Cowen | $114 | Hold | +11.2% | Reiterated | 15.09.26on TipRanks 08:10 | −1.0%next day +0.6% · 5 days −7.0% | ↗ |
| Darrin Peller★★★★★★★★★★#767 · hits 62% · avg +9.0% | Wolfe Research | $130 | Buy | +26.8% | Upgrade | 25.08.26on TipRanks 04:45 | +2.0%next day −0.1% · 5 days −4.4% | ↗ |
| Nicholas Holowko★★★★★★★★★★#2435 · hits 80% · avg +13.7% | UBS | $120 → $127+5.8% | Buy | +23.8% | Reiterated | 03.08.26on TipRanks 07:55 | +1.1%next day −0.3% · 5 days −4.2% | ↗ |
| Bill Ryan★★★★★★★★★★#2653 · hits 65% · avg +12.2% | Seaport Global | $113 → $119+5.3% | Buy | +16.0% | Reiterated | 27.07.26on TipRanks 13:41 | +1.7%next day +1.3% · 5 days +1.9% | ↗ |
| Sanjay Sakhrani★★★★★★★★★★#112 · hits 72% · avg +16.0% | KBW | $129 | Buy | +25.8% | Reiterated | 24.07.26on TipRanks Jul 27 13:41 | +0.6%next day +1.7% · 5 days +2.5% | |
| Jeffrey Adelson★★★★★★★★★★#11802 · hits 39% · avg −8.6% | Morgan Stanley | $102 → $107+4.9% | Hold | +4.3% | Reiterated | 24.07.26on TipRanks 09:36 | +0.6%next day +1.7% · 5 days +2.5% | ↗ |
| Ryan Nash★★★★★★★★★★#815 · hits 68% · avg +12.2% | Goldman Sachs | $108 | Hold | +5.3% | Reiterated | 23.07.26on TipRanks Jul 24 10:11 | +2.9%next day +0.6% · 5 days +6.3% | ↗ |
| Jon Arfstrom★★★★★★★★★★#325 · hits 62% · avg +15.8% | RBC Capital | $115 | Hold | +12.1% | Reiterated | 23.07.26on TipRanks Jul 24 08:16 | +2.9%next day +0.6% · 5 days +6.3% | ↗ |
| John Pancari★★★★★★★★★★#3316 · hits 58% · avg +3.6% | Evercore ISI | $99.00 → $116+17.2% | Buy | +13.1% | Reiterated | 06.07.26on TipRanks 09:50 | +0.4%next day −0.6% · 5 days −5.8% | ↗ |
| Vincent Caintic★★★★★★★★★★#2614 · hits 52% · avg +5.5% | BTIG | $105 → $132+25.7% | Buy | +28.7% | Assigned | 30.06.26on TipRanks 07:22 | −1.1%next day −2.6% · 5 days −13.2% | ↗ |
| Dominick Gabriele★★★★★★★★★★#3757 · hits 50% · avg +3.7% | Loop Capital Markets | $104 | Buy | +1.4% | Initiated | 21.05.26on TipRanks May 22 05:35 | −2.4%next day +0.6% · 5 days +2.3% | ↗ |
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Every rating the collector has kept for the last 12 months, including the earlier ones of the same analyst. Latest of each analyst
Best analysts covering Bread Financial Holdings
TipRanks picks them by their record on this stock; the figures under the name are their record across all their ratings.
Most accurate
Most profitable
How the average price target moved
The average target of all analysts (their ratings of the 3 months before) on each day, the top analysts’ dashed, against the price; the site keeps this record since 1 October 2026. On 01.10.26: target $118 at a price of $97.75 (+21.1%); now: $117 at $103 (+14.4%).
PriceAverage targetTop analysts’ target
Recommendation trend
Strong BuyBuyHoldSell
| Rating | 05.26 | 06.26 | 07.26 | 08.26 | 09.26 | 10.26 |
|---|---|---|---|---|---|---|
| Strong Buy | 0 | 0 | 0 | 0 | 0 | 0 |
| Buy | 10 | 11 | 12 | 13 | 10 | 7 |
| Hold | 9 | 9 | 12 | 12 | 15 | 9 |
| Sell | 4 | 4 | 2 | 1 | 0 | 0 |
Earnings and sales forecast
Next report: 22.10.26 (Q3 2026, date not confirmed)
Earnings per share
Next quarter’s EPS estimate — $3.34 (from $3.00 to $4.04). Last quarter: $3.55.
Sales
Next quarter’s sales estimate — $1.0B (from $996M to $1.0B). Last quarter: $1.2B.
Best top-analyst consensus in the sector · Financial
About Bread Financial Holdings
- CEO: Ralph J. Andretta
- Employees: 6,000
- 3095 Loyalty Circle, Columbus, OH, 43219, US
- www.breadfinancial.com
Bread Financial Holdings, Inc. offers cutting-edge payment and credit solutions to consumers and various industries throughout North America. Their services include comprehensive financing for credit cards and other loans, which involves managing risk, originating accounts, and providing funding for approximately 130 private label and co-branded credit card programs. They also support around 500 small and medium-sized businesses through their Bread partnerships and issue Comenity-branded general purpose cash-back credit cards. The company is responsible for administering and overseeing all loans it generates, covering private label, co-brand, and general-purpose credit card portfolios, as well as its Bread BNPL (Buy Now Pay Later) products, which include installment and split-pay options. Beyond lending, they provide marketing, data, and analytics services. Their enhanced digital toolkit features a unified Software Development Kit (SDK), allowing seamless integration with their product range and encouraging the presentation of credit payment choices earlier in the retail journey. Additionally, the Bread digital payments platform, powered by a comprehensive suite of application programming interfaces (APIs), empowers merchants and partners to readily incorporate online point-of-sale financing, such as installment and split-pay solutions. Established in Columbus, Ohio in 1996, the company was formerly known as Alliance Data Systems Corporation until it rebranded as Bread Financial Holdings, Inc. in March 2022.
Data from the stock’s TipRanks forecast page, read 44 min ago. It is read again as soon as a new rating appears and at least every 8 hours. TipRanks ↗