Bread Financial Holdings, Inc. (BFH)

Bread Financial Holdings Stock Forecast

Stock Price Forecast

According to 14 professional analysts, the 12-month price target for Bread Financial Holdings stock ranges from a low of $50 to a high of $87. The average analyst price target of $65.29 forecasts a -9.58% decrease in the stock price over the next year.

Price Target: $65.29 (-9.58%)

Analyst Consensus: Hold

Target	Low	Average	Median	High
Price	$50	$65.29	$70	$87
Change	-30.76%	-9.58%	-3.06%	+20.48%

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	Jul '25	Aug '25	Sep '25	Oct '25	Nov '25	Dec '25
Strong Buy	3	3	3	2	2	2
Buy	1	1	1	1	1	1
Hold	7	7	6	8	8	7
Sell	3	3	3	3	3	4
Strong Sell	1	1	1	1	1	1
Total	15	15	14	15	15	15

Latest Forecasts

Analyst	Firm	Rating	Rating	Action	Price Target	Upside	Date
Reginald Smith JP Morgan	JP Morgan	Hold → Sell Downgrades $72	Hold → Sell	Downgrades	$72	-0.29%	Dec 4, 2025
John Pancari Evercore ISI Group	Evercore ISI Group	Hold Maintains $64 → $72	Hold	Maintains	$64 → $72	-0.29%	Oct 30, 2025
Ryan Nash Goldman Sachs	Goldman Sachs	Strong Sell Maintains $60 → $68	Strong Sell	Maintains	$60 → $68	-5.83%	Oct 24, 2025
Moshe Orenbuch TD Cowen	TD Cowen	Hold Maintains $63 → $68	Hold	Maintains	$63 → $68	-5.83%	Oct 24, 2025
Jon G. Arfstrom RBC Capital	RBC Capital	Hold Maintains $64 → $70	Hold	Maintains	$64 → $70	-3.06%	Oct 24, 2025

More Analyst Ratings

Financial Forecast

Revenue This Year

3.88B

Increased by 59.03%

from 2.44B

Revenue Next Year

4.03B

Increased by 3.92%

from 3.88B

EPS This Year

10.00

Increased by 81.77%

from 5.50

EPS Next Year

9.68

Decreased by -3.15%

from 10.00

Fiscal Year	FY 2020	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	FY 2026
Period Ending	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023	Dec 31, 2024	Dec 31, 2025	Dec 31, 2026
Revenue	2.03B	2.73B	2.23B	3.06B	2.44B	3.88B	4.03B
Revenue Growth	-29.00%	34.25%	-18.18%	37.10%	-20.23%	59.03%	3.92%
EPS	4.48	16.03	4.45	14.36	5.50	10.00	9.68
EPS Growth	-16.82%	258.19%	-72.24%	222.70%	-61.70%	81.77%	-3.15%
Forward PE	-	-	-	-	-	7.22	7.46
No. Analysts	-	-	-	-	-	17	17

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

Revenue Forecast

Revenue	2025	2026	2027	2028	2029
High	4.2B	4.4B
Avg	3.9B	4.0B
Low	3.7B	3.8B

Revenue Growth

Revenue Growth	2025	2026	2027	2028	2029
High	73.0%	12.9%
Avg	59.0%	3.9%
Low	52.6%	-1.8%

EPS Forecast

EPS	2025	2026	2027	2028	2029
High	10.89	11.32
Avg	10.00	9.68
Low	8.62	8.28

EPS Growth

EPS Growth	2025	2026	2027	2028	2029
High	98.0%	13.3%
Avg	81.8%	-3.1%
Low	56.8%	-17.2%

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.