Wall Street analyst price targets, ratings consensus & upside potential · Updated Feb 28, 2026
Last 12 months price action with 12-month analyst target path
As of February 28, 2026, Bread Financial Holdings, Inc. (BFH) has a Wall Street consensus price target of $79.17, based on estimates from 37 covering analysts. With the stock currently trading at $70.86, this represents a potential upside of +11.7%. The company has a market capitalization of $3.06B.
Analyst price targets range from a low of $62.00 to a high of $92.00, representing a 38% spread in expectations. The median target of $83.50 differs from the mean, suggesting potential outlier estimates.
The current analyst consensus rating is Hold, with 14 analysts rating the stock as a Buy or Strong Buy,19 rating it Hold, and 4 rating it Sell or Strong Sell. The mixed ratings reflect uncertainty about near-term direction.
From a valuation perspective, BFH trades at a trailing P/E of 12.9x and forward P/E of 7.0x. Analysts expect EPS to grow +1.5% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $115.03, with bear and bull scenarios of $44.10 and $439.74 respectively. Model confidence stands at 50/100, reflecting moderate uncertainty in projections.
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Start ComparisonBread Financial Holdings, Inc. (BFH) has a consensus 12-month price target of $79.17, implying 11.7% upside from $70.86. The 37 analysts covering BFH see moderate appreciation potential.
BFH has a consensus rating of "Hold" based on 37 Wall Street analysts. The rating breakdown is mixed, with 19 Hold ratings making up the largest segment. The consensus 12-month price target of $79.17 implies 11.7% upside from current levels.
With a forward P/E of 7.0256x, BFH trades at a relatively low valuation. The consensus target of $79.17 implies 11.7% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $92 for BFH, while the most conservative target is $62. The consensus of $79.17 represents the median expectation. Our quantitative valuation model projects a bull case target of $440 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
BFH is heavily covered by Wall Street, with 37 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 14 have Buy ratings, 19 recommend Hold, and 4 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month BFH stock forecast based on 37 Wall Street analysts shows a consensus price target of $79.17, with estimates ranging from $62 (bear case) to $92 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $115, with bear/bull scenarios of $44/$440.
Our quantitative valuation model calculates BFH's fair value at $115 (base case), with a bear case of $44 and bull case of $440. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 50/100.
BFH trades at a forward P/E ratio of 7.0x based on next-twelve-months earnings estimates compared to a trailing P/E of 12.9x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are optimistic on BFH, with a "Hold" consensus rating and $79.17 price target (11.7% upside). 14 of 37 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
BFH analyst price targets range from $62 to $92, a 38% moderate spread showing some variance in outlooks. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $79.17 consensus represents the middle ground. Our model's $44-$440 range provides an independent fundamental perspective.