Bread Financial Holdings Stock Forecast

Stock Price Forecast

The 14 analysts with 12-month price forecasts for Bread Financial Holdings stock have an average target of 79.79, with a low estimate of 51 and a high estimate of 115. The average target predicts a decrease of -7.56% from the current stock price of 86.32.

Analyst Consensus: Hold

Target	Low	Average	Median	High
Price	$51	$79.79	$74	$115
Change	-40.92%	-7.56%	-14.27%	+33.23%

Analyst Ratings

The average analyst rating for Bread Financial Holdings stock from 15 stock analysts is "Hold". This means that analysts believe this stock is likely to perform similarly to the overall market.

Recommendation Trends

Rating	Nov '25	Dec '25	Jan '26	Feb '26	Mar '26	Apr '26
Strong Buy	2	2	3	3	3	3
Buy	1	1	1	1	1	2
Hold	8	8	8	8	8	5
Sell	3	4	5	5	5	4
Strong Sell	1	1	1	1	1	1
Total	15	16	18	18	18	15

Latest Forecasts

Analyst	Firm	Rating	Rating	Action	Price Target	Upside	Date
Terry Ma Barclays	Barclays	Sell Maintains $67 → $70	Sell	Maintains	$67 → $70	-18.91%	Apr 24, 2026
Moshe Orenbuch TD Cowen	TD Cowen	Hold Maintains $80 → $95	Hold	Maintains	$80 → $95	+10.06%	Apr 24, 2026
Sanjay Sakhrani Keefe, Bruyette & Woods	Keefe, Bruyette & Woods	Buy Maintains $100 → $115	Buy	Maintains	$100 → $115	+33.23%	Apr 24, 2026
Vincent Caintic BTIG	BTIG	Strong Buy Maintains $98 → $105	Strong Buy	Maintains	$98 → $105	+21.64%	Apr 23, 2026
Jeffrey Adelson Morgan Stanley	Morgan Stanley	Sell → Hold Upgrades $91	Sell → Hold	Upgrades	$91	+5.42%	Apr 16, 2026

More Analyst Ratings

Financial Forecast

Revenue This Year

3.99B

from 2.60B

53.25%

from 2.60B

Revenue Next Year

4.13B

from 3.99B

3.53%

from 3.99B

EPS This Year

10.20

from 10.90

-6.39%

from 10.90

EPS Next Year

11.78

from 10.20

15.49%

from 10.20

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	4.13B
Revenue Growth	34.25%	-18.18%	37.10%	-20.23%	6.64%	53.25%	3.53%
EPS	16.03	4.45	14.36	5.50	10.90	10.20	11.78
EPS Growth	258.19%	-72.24%	222.70%	-61.70%	98.12%	-6.39%	15.49%
Forward PE	-	-	-	-	-	8.46	7.33
No. Analysts	-	-	-	-	-	18	18

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

Revenue Forecast

Revenue	2026	2027
High	4.4B	4.6B
Avg	4.0B	4.1B
Low	3.8B	3.9B

Revenue Growth

Revenue Growth	2026	2027
High	68.3%	14.8%
Avg	53.2%	3.5%
Low	45.4%	-2.0%

EPS Forecast

EPS	2026	2027
High	11.98	13.67
Avg	10.20	11.78
Low	7.89	8.48

EPS Growth

EPS Growth	2026	2027
High	9.9%	34.0%
Avg	-6.4%	15.5%
Low	-27.6%	-16.9%

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.