Bread Financial stock gained 1.15 percent on October 2

Published on 10/05/2026 at 13:27 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

Bread Financial stock stood at USD 98.05 on October 2, 2026, with a USD 3.96 billion market capitalization. Q2 revenue reached USD 993 million, up 6.9 percent year over year.

BFH, US0185811082, Illustration mit AI erstellt.

Bread Financial (US0185811082) was last at USD 98.05 on the NYSE on October 2, 2026 at 4:00 p.m. ET, after gaining 1.15 percent. Evercore ISI cut its price target from USD 120 to USD 118 on October 1 while keeping an Outperform rating, according to Markets Insider. The move puts the upcoming third-quarter report at the center of the valuation debate.

Q2 revenue reached USD 993 million

Bread Financial reported USD 993 million of second-quarter 2026 revenue, a 6.9 percent year-over-year increase, while GAAP EPS came in at USD 3.55 against a USD 2.74 consensus estimate, according to StockStory. The EPS figure was 29.5 percent above consensus, giving the latest report a stronger earnings signal than the revenue growth alone suggests.

Net interest income reached USD 1.04 billion in Q2, matching estimates, while net interest margin was 18.5 percent against an 18.8 percent estimate, according to StockStory. The 48.6 percent efficiency ratio beat the 50.9 percent estimate, but the margin comparison identifies credit economics as the more important watch point.

Consensus target stays above the share price

MarketScreener lists an Outperform consensus from 17 analysts and an average price target of USD 114.81, according to MarketScreener. The target lies 17.1 percent above the October 2 price of USD 98.05, while Evercore ISI's separate USD 118 target stands above that average.

Bread Financial also amended its credit agreement on September 3 to permit the planned merger of Comenity Bank with Comenity Capital Bank. The transaction was expected to close on October 1, and the USD 700 million senior unsecured revolving credit facility remained in place, as reported by MarketScreener. The banking integration adds an operational checkpoint alongside the earnings outlook.

Third-quarter results arrive October 22

Bread Financial is scheduled to report third-quarter 2026 results on October 22, 2026 before the market opens, with a consensus EPS estimate of USD 3.41, according to MarketBeat. That release will test whether the Q2 combination of 6.9 percent revenue growth and a 29.5 percent EPS consensus beat is continuing into the second half.

Market value and trading range

Bread Financial's market capitalization was USD 4.0 billion on October 2, 2026, with a 52-week range of USD 53.83 to USD 114.53 and volume of 445,559 shares. The USD 98.05 price sits USD 16.48 below the 52-week high and USD 44.22 above the low, keeping the stock closer to its annual peak than its floor.