Research
Wells Fargo Initiates Bread Financial at Equalweight
Bread Financial Holdings (BFH) has an average rating of overweight and mean price target of $117.69, according to analysts polled by FactSet.
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Research
Wolfe Research Upgrades Bread Financial to Outperform From Peer Perform, Price Target is $130
Bread Financial Holdings (BFH) has an average rating of overweight and mean price target of $117.87, according to analysts polled by FactSet.
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Sectors
Sector Update: Financial Stocks Lean Lower Pre-Bell Monday
Financial stocks were leaning lower pre-bell Monday, with the State Street Financial Select Sector SPDR ETF (XLF) declining by 0.3%.The Direxion Daily Financial Bull 3X Shares (FAS) was 1.1% lower and its bearish counterpart Direxion Daily Financial Bear 3X Shares (FAZ) was up 1%.Bread Financial (BFH) shares were up more than 1% after the company reported 30-day-plus delinquencies of $876 million and a delinquency rate of 5.35% as of July 31, down from $931 million and 5.8% a year earlier.KKR's (KKR) bid for an 8.43% stake in First Gen, a First Philippine power-generation unit, has been rejected, the Manila-based conglomerate reported to the Philippine Stock Exchange. KKR shares were 0.4% lower premarket.Intel (INTC) and Goldman Sachs Group (GS) are among the investors in artificial intelligence video generation platform Higgsfield's recent $400 million funding round, pushing its valuation to $5.40 billion, the Financial Times reported. Goldman Sachs Group shares were 0.1% lower pre-bell.
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Sectors
Sector Update: Financial
Financial stocks were leaning lower pre-bell Monday, with the State Street Financial Select Sector SPDR ETF (XLF) declining by 0.3%.The Direxion Daily Financial Bull 3X Shares (FAS) was 1.1% lower and its bearish counterpart Direxion Daily Financial Bear 3X Shares (FAZ) was up 1%.Bread Financial (BFH) shares were up more than 1% after the company reported 30-day-plus delinquencies of $876 million and a delinquency rate of 5.35% as of July 31, down from $931 million and 5.8% a year earlier.
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Insider Trading
Bread Financial Holdings Insider Sold Shares Worth $297,348, According to a Recent SEC Filing
Praniti Lakhwara, Director, on July 28, 2026, sold 2,802 shares in Bread Financial Holdings (BFH) for $297,348. Following the Form 4 filing with the SEC, Lakhwara has control over a total of 4,458 common shares of the company, with 4,458 shares held directly.SEC Filing:https://www.sec.gov/Archives/edgar/data/1101215/000202608026000004/xslF345X05/wk-form4_1785357490.xml
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Wire
Bread Financial Likely to Benefit From Tailwinds, RBC Says
Bread Financial (BFH) is expected to benefit from tailwinds across the company, RBC Capital Markets said in a Friday note after hosting investor meetings with the management.The report said the management provided a confident message on the outlook following the release of positive May monthly card data earlier this week."Our sense is that credit remains on an improving trajectory (ahead of prior expectations) with loan growth improving on a year over year basis," the note said.Consumer is showing resilience with growth improving and creditremaining on a favorable trajectory, the report said, adding the firm reaffirmed its focus on delivering profitable growth and ROTCE in the mid-20% range over time.RBC analysts raised their EPS estimates to $11.50 from $11.15 for 2026 and to $13.00 from $12.85 for 2027.RBC kept its sector perform rating and raised its price target to $115 from $105.Price: $102.39, Change: $+0.76, Percent Change: +0.74%
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Research
Loop Capital Initiates Bread Financial at Buy With $104 Price Target
Bread Financial Holdings (BFH) has an average rating of overweight and mean price target of $97.33, according to analysts polled by FactSet.
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Research
Research Alert: CFRA Keeps Hold Rating On Shares Of Bread Financial Holdings, Inc.
CFRA, an independent research provider, has providedwith the following research alert. Analysts at CFRA have summarized their opinion as follows:We raise our 12-month target price to $96 from $79, 7.8x our 2027 EPS view vs. BFH's three-year historical forward P/E average of 6.2x and the peer average of 7.1x. We increase our 2026 EPS estimate to $11.30 from $9.70 and 2027's to $12.30 from $11.62, reflecting the company's significant Q1 earnings beat and the substantial impact of an accelerated share repurchase program. A key win from Q1 was the company's return to loan growth, reversing prior-period declines with a 2% Y/Y increase in end-of-period loans. This inflection was underpinned by robust consumer activity, with credit sales accelerating to 7% growth. Furthermore, credit metrics continued their gradual improvement, with the delinquency rate falling to 5.6% and the net loss rate decreasing to 7.3%. Management prudently maintained its 2026 outlook for low single-digit growth in both average loans and revenue, with net loss rate guidance of 7.2%-7.4%, a move we believe wisely accounts for ongoing macroeconomic uncertainty and geopolitical tensions.
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Wire
Bread Financial Reports Lower 30-Day-Plus Delinquencies in March
Bread Financial (BFH) reported Thursday 30-day-plus delinquencies of $901 million as of Mar. 31, and a delinquency rate of 5.59%, down from $973 million and 5.93% a year earlier.End-of-period credit card and other loans for the three months ended March 31 were $18.14 billion, the company said.Price: $96.24, Change: $+3.79, Percent Change: +4.09%
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Research
Research Alert: Bfh Q1: Return To Loan Growth, 50% Eps Surge, And Accelerated Capital Returns
CFRA, an independent research provider, has providedwith the following research alert. Analysts at CFRA have summarized their opinion as follows:BFH delivered strong Q1 2026 results with EPS of $4.15, up 50% Y/Y and beating consensus by $0.99, while revenue increased 5% to $1.02B vs. Street expectations of $997M. The performance reflected pricing optimization, lower funding costs, and robust credit sales growth of 7% to $6.5B, the sixth consecutive quarter of expansion. We believe the return to loan growth represents a critical inflection point, with end-of-period loans increasing 2% to $18.1B after several quarters of decline, supported by new partner additions and increased shopping activity among younger demographics. Balance sheet optimization included retirement of 3.5M shares (8% of outstanding) through $150M in repurchases and capped call unwinds, with $600M authorization increase. Credit quality trends remained impressive with delinquency rates declining 34 bps to 5.59% and net loss rates improving 83 bps to 7.33%, while the CET1 ratio strengthened to 13.3% and tangible book value per share grew 26% to $61.57.
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Wire
Bread Financial Shares Rise After Morgan Stanley Upgrade
Bread Financial Holdings (BFH) shares were up over 1% in Thursday afternoon trading after Morgan Stanley upgraded the stock to equal weight from underweight and raised its price target to $91 from $68.Trading volume stood at more than 212,000 shares, compared with a daily average of about 753,000.Price: $84.38, Change: $+1.23, Percent Change: +1.48%
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Research
Morgan Stanley Upgrades Bread Financial to Equalweight From Underweight, Adjusts Price Target to $91 From $68
Bread Financial Holdings (BFH) has an average rating of overweight and mean price target of $86.79, according to analysts polled by FactSet.
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US Markets
Consumer Finance Firms Likely Faced Seasonal Loan Headwinds in First Quarter, RBC Says
US consumer finance companies likely faced seasonal headwinds on loans in the first quarter, but growth is expected to pick up through the rest of the year, RBC Capital Markets said in a note on Friday.Data through February indicate an expected seasonal decline in loan balances, with slight improvement in year-over-year growth, Jon Arfstrom, associate director of US research at RBC, wrote."Although we see very limited direct impacts from recent macro volatility, we remain mindful of the risks of sustained higher energy prices on consumers," Arfstrom wrote. "Solid delinquency trends are driving stable to lower loss expectations, with support from a resilient consumer and tighter underwriting in prior periods."Arfstrom sees loan balance growth accelerating from here on out.US consumer inflation reached its highest monthly reading in nearly four years in March as the Middle East conflict sent energy prices sharply higher. Earlier in the week, the US and Iran agreed to a two-week ceasefire, pausing a war that had spread across the Middle East and curtailed shipments through the crucial Strait of Hormuz."We will look for confirmation that despite recent macro concerns, the medium-term revenue expectations are consistent," according to the RBC note.The brokerage lowered its price targets on American Express (AXP), Capital One Financial (COF) and SLM (SLM), to $415, $235 and $28, respectively. The price target on Bread Financial Holdings (BFH) moved to $90 from $83.RBC continues to recommend American Express for its premium consumer base and strong revenue growth expectations, while also favoring Ally Financial (ALLY). The brokerage highlighted stable to improving credit trends at Synchrony Financial (SYF) and Bread Financial."Our coverage universe has been impacted by market volatility, with a more challenging start to 2026," Arfstrom said. "That being said, we see our universe as well positioned to deliver improving growth and healthy credit. Assuming some stability in the broader macro sentiment, we expect solid earnings growth and decent stock price performance in 2026."Price: $79.11, Change: $-0.64, Percent Change: -0.81%
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