Bread Financial Holdings, Inc. (BFH)

Bread Financial Holdings Stock Forecast

Stock Price Forecast

The 16 analysts that cover Bread Financial Holdings stock have a consensus rating of "Hold" and an average price target of $71.13, which forecasts a -4.43% decrease in the stock price over the next year. The lowest target is $50 and the highest is $98.

Price Target: $71.13 (-4.43%)

Analyst Consensus: Hold

Target	Low	Average	Median	High
Price	$50	$71.13	$72	$98
Change	-32.82%	-4.43%	-3.26%	+31.67%

Analyst Ratings

The average analyst rating for Bread Financial Holdings stock is "Hold". This means that analysts believe this stock is likely to perform similarly to the overall market.

Recommendation Trends

Rating	Sep '25	Oct '25	Nov '25	Dec '25	Jan '26	Feb '26
Strong Buy	3	2	2	2	3	3
Buy	1	1	1	1	1	1
Hold	6	8	8	8	8	8
Sell	3	3	3	4	5	5
Strong Sell	1	1	1	1	1	1
Total	14	15	15	16	18	18

Latest Forecasts

Analyst	Firm	Rating	Rating	Action	Price Target	Upside	Date
Moshe Orenbuch TD Cowen	TD Cowen	Hold Maintains $85 → $88	Hold	Maintains	$85 → $88	+18.23%	Jan 30, 2026
Jeffrey Adelson Morgan Stanley	Morgan Stanley	Sell Maintains $62 → $68	Sell	Maintains	$62 → $68	-8.64%	Jan 30, 2026
Terry Ma Barclays	Barclays	Sell Maintains $61 → $64	Sell	Maintains	$61 → $64	-14.01%	Jan 30, 2026
Vincent Caintic BTIG	BTIG	Strong Buy Reiterates $98	Strong Buy	Reiterates	$98	+31.67%	Jan 30, 2026
Jeffrey Adelson Morgan Stanley	Morgan Stanley	Sell Maintains $57 → $62	Sell	Maintains	$57 → $62	-16.70%	Jan 20, 2026

More Analyst Ratings

Financial Forecast

Revenue This Year

3.99B

Increased by 53.21%

from 2.60B

Revenue Next Year

4.14B

Increased by 3.89%

from 3.99B

EPS This Year

9.94

Decreased by -8.81%

from 10.90

EPS Next Year

11.65

Increased by 17.24%

from 9.94

Fiscal Year	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	FY 2026	FY 2027
Period Ending	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023	Dec 31, 2024	Dec 31, 2025	Dec 31, 2026	Dec 31, 2027
Revenue	2.73B	2.23B	3.06B	2.44B	2.60B	3.99B	4.14B
Revenue Growth	34.25%	-18.18%	37.10%	-20.23%	6.64%	53.21%	3.89%
EPS	16.03	4.45	14.36	5.50	10.90	9.94	11.65
EPS Growth	258.19%	-72.24%	222.70%	-61.70%	98.12%	-8.81%	17.24%
Forward PE	-	-	-	-	-	7.49	6.39
No. Analysts	-	-	-	-	-	18	16

Historical EPS numbers are GAAP, while forecasted numbers may be non-GAAP.

Revenue Forecast

Revenue	2026	2027	2028	2029
High	4.4B	4.6B
Avg	4.0B	4.1B
Low	3.7B	3.9B

Revenue Growth

Revenue Growth	2026	2027	2028	2029
High	68.3%	14.8%
Avg	53.2%	3.9%
Low	43.6%	-3.2%

EPS Forecast

EPS	2026	2027	2028
High	11.98	14.46
Avg	9.94	11.65
Low	7.29	7.18

EPS Growth

EPS Growth	2026	2027	2028
High	9.9%	45.5%
Avg	-8.8%	17.2%
Low	-33.1%	-27.7%

Sources: Price targets and analyst ratings provided by Benzinga. Revenue and EPS forecast data provided by Finnhub. The data is sourced from Wall Street analysts. Data disclaimer.