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BFH
Volume: 114.02K

BFH Stock Forecast & Price Target

BFH Analyst Ratings

Based on 12 analyst ratings
Hold
Strong Buy 25%
Buy 8%
Hold 33%
Sell 25%
Strong Sell 8%

Bulls say

Bread Financial Holdings (BFH) has demonstrated a sequential increase in net interest income of 6.0%, amounting to $1.032 billion, while also exhibiting stable credit performance, which suggests potential for share growth through improved underwriting practices and expanded pricing strategies. The company anticipates increased spending and lending volume, alongside an expectation for risk-adjusted margins to rise, driven by a stronger economic environment and an expansion of its Buy Now, Pay Later (BNPL) initiatives. Additionally, the margin increased approximately 110 basis points sequentially to 18.8%, remaining stable year-over-year, indicating a positive trend in the company's overall financial health and prospects.

Bears say

Bread Financial Holdings has experienced a 1.6% year-over-year decline in card and loan receivables, which now stand at $17.7 billion, indicating potential challenges in consumer credit demand. The company has also seen a reduction in its loan loss reserve from 11.9% to 11.7%, potentially signaling declining asset quality amidst economic uncertainties. Furthermore, management anticipates flat to slightly declining average loans for 2025, compounded by risks of a deteriorating economic environment that may lead to slowed revenue growth and increased credit losses.

BFH has been analyzed by 12 analysts, with a consensus rating of Hold. 25% of analysts recommend a Strong Buy, 8% recommend Buy, 33% suggest Holding, 25% advise Selling, and 8% predict a Strong Sell.

This aggregate rating is based on analysts' research of Bread Financial Holdings Inc and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Bread Financial Holdings Inc (BFH) Forecast

Analysts have given BFH a Hold based on their latest research and market trends.

According to 12 analysts, BFH has a Hold consensus rating as of Apr 6, 2026. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $75.67, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $75.67, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Bread Financial Holdings Inc (BFH)

Volume: 114.02K

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