Bread Financial Holdings, Inc. (NYSE:BFH): A Strong Contender in the Financial Services Sector

• Bread Financial Holdings, Inc. (NYSE:BFH) maintains a "Hold" rating from Cowen & Co., with a raised price target from $68 to $85.
• The company has consistently surpassed earnings estimates, with a recent earnings surprise of over 90%.
• BFH's stock price stands at $79.98, showcasing significant volatility with a high of $80.43 and a low of $38.21 over the past year.

Bread Financial Holdings, Inc. (NYSE:BFH) is a prominent player in the financial services sector, specifically within the Zacks Financial - Miscellaneous Services industry. The company is known for its credit card and payment solutions, catering to a diverse clientele. As of January 8, 2026, Cowen & Co. maintained a "Hold" rating for BFH, with the stock priced at $79.98. TD Cowen also raised its price target from $68 to $85, as highlighted by TheFly.

Bread Financial has a strong history of surpassing earnings estimates, which is a key factor in its appeal to investors. In the last two quarters, the company exceeded earnings expectations by an average of over 80%. In the most recent quarter, BFH reported earnings of $4.02 per share, significantly higher than the Zacks Consensus Estimate of $2.11 per share, resulting in a surprise of over 90%.

In the previous quarter, Bread Financial was expected to earn $1.85 per share but delivered $3.14 per share, marking a surprise of nearly 70%. This consistent outperformance suggests that Bread Financial is well-positioned to potentially beat estimates again in its next earnings report. Such a track record can instill confidence in investors and analysts alike.

The stock for BFH is currently priced at $79.98, reflecting a slight decrease of 0.35% or $0.28. During the trading day, the stock has fluctuated between a low of $78.26 and a high of $80.39. Over the past year, BFH has reached a high of $80.43 and a low of $38.21, indicating significant volatility. The company's market capitalization stands at approximately $3.65 billion, with a trading volume of 530,428 shares on the NYSE.