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© 2026 Benzinga | All Rights Reserved
January 26, 2024 11:00 AM 5 min read

Where Bread Finl Hldgs Stands With Analysts

by Benzinga Insights Benzinga Staff Writer
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BFH Logo
BFHBread Financial Holdings Inc
$75.253.01%
Overview

8 analysts have shared their evaluations of Bread Finl Hldgs (NYSE:BFH) during the recent three months, expressing a mix of bullish and bearish perspectives.

The table below provides a snapshot of their recent ratings, showcasing how sentiments have evolved over the past 30 days and comparing them to the preceding months.

The 12-month price targets assessed by analysts reveal further insights, featuring an average target of $32.0, a high estimate of $40.00, and a low estimate of $24.00. This current average has decreased by 6.57% from the previous average price target of $34.25.

Deciphering Analyst Ratings: An In-Depth Analysis

The analysis of recent analyst actions sheds light on the perception of Bread Finl Hldgs by financial experts. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.

Key Insights:

Navigating through these analyst evaluations alongside other financial indicators can contribute to a holistic understanding of Bread Finl Hldgs's market standing. Stay informed and make data-driven decisions with our Ratings Table.

Stay up to date on Bread Finl Hldgs analyst ratings.

If you are interested in following small-cap stock news and performance you can start by tracking it here.

Discovering Bread Finl Hldgs: A Closer Look

Financial Milestones: Bread Finl Hldgs's Journey

Market Capitalization Analysis: Reflecting a smaller scale, the company's market capitalization is positioned below industry averages. This could be attributed to factors such as growth expectations or operational capacity.

Revenue Growth: Bread Finl Hldgs's remarkable performance in 3 months is evident. As of 30 September, 2023, the company achieved an impressive revenue growth rate of 4.14%. This signifies a substantial increase in the company's top-line earnings. In comparison to its industry peers, the company stands out with a growth rate higher than the average among peers in the Financials sector.

Net Margin: Bread Finl Hldgs's net margin is impressive, surpassing industry averages. With a net margin of 16.59%, the company demonstrates strong profitability and effective cost management.

Return on Equity (ROE): Bread Finl Hldgs's financial strength is reflected in its exceptional ROE, which exceeds industry averages. With a remarkable ROE of 6.11%, the company showcases efficient use of equity capital and strong financial health.

Return on Assets (ROA): Bread Finl Hldgs's ROA excels beyond industry benchmarks, reaching 0.79%. This signifies efficient management of assets and strong financial health.

Debt Management: Bread Finl Hldgs's debt-to-equity ratio is below the industry average at 1.47, reflecting a lower dependency on debt financing and a more conservative financial approach.

Analyst Ratings: Simplified

Analysts work in banking and financial systems and typically specialize in reporting for stocks or defined sectors. Analysts may attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish "analyst ratings" for stocks. Analysts typically rate each stock once per quarter.

Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.

If you want to keep track of which analysts are outperforming others, you can view updated analyst ratings along withanalyst success scores in Benzinga Pro.

This article was generated by Benzinga's automated content engine and reviewed by an editor.

Market News and Data brought to you by Benzinga APIs

© 2026 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.


Posted In:
Analyst RatingsBZI-AAR
Bullish Somewhat Bullish Indifferent Somewhat Bearish Bearish
Total Ratings 0 0 5 2 1
Last 30D 0 0 2 0 0
1M Ago 0 0 1 0 0
2M Ago 0 0 1 1 1
3M Ago 0 0 1 1 0
Analyst Analyst Firm Action Taken Rating Current Price Target Prior Price Target
Reginald Smith JP Morgan Raises Neutral $40.00 $36.00
Jon Arfstrom RBC Capital Maintains Sector Perform $36.00 -
James Fotheringham BMO Capital Announces Market Perform $33.00 -
Ryan Nash Goldman Sachs Raises Sell $31.00 $27.00
Reginald Smith JP Morgan Lowers Neutral $36.00 $42.00
Betsy Graseck Morgan Stanley Announces Underweight $25.00 -
Betsy Graseck Morgan Stanley Lowers Equal-Weight $31.00 $32.00
Terence Malone Barclays Announces Underweight $24.00 -
  • Action Taken: Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to Bread Finl Hldgs. This offers insight into analysts' perspectives on the current state of the company.
  • Rating: Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of Bread Finl Hldgs compared to the broader market.
  • Price Targets: Understanding forecasts, analysts offer estimates for Bread Finl Hldgs's future value. Examining the current and prior targets provides insight into analysts' changing expectations.

Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Financial is a provider of private label and co-branded credit cards, loyalty programs, and marketing services. The company's most financially significant unit is its credit card business that partners with retailers to jointly market Bread's credit cards to their customers. The company also retains minority interest in its recently spun-off LoyaltyOne division, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.

BFH Logo
BFHBread Financial Holdings Inc
$75.253.01%
Overview
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