Universal Beteiligungs und Servicegesellschaft mbH Cuts Stock Position in Bread Financial Holdings, Inc. $BFH

Universal Beteiligungs und Servicegesellschaft mbH trimmed its position in shares of Bread Financial Holdings, Inc. (NYSE:BFH) by 50.1% during the third quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The institutional investor owned 25,802 shares of the company’s stock after selling 25,893 shares during the period. Universal Beteiligungs und Servicegesellschaft mbH’s holdings in Bread Financial were worth $1,439,000 as of its most recent SEC filing.

Other hedge funds also recently bought and sold shares of the company. EverSource Wealth Advisors LLC boosted its stake in Bread Financial by 127.2% in the second quarter. EverSource Wealth Advisors LLC now owns 711 shares of the company’s stock worth $41,000 after buying an additional 398 shares in the last quarter. BOK Financial Private Wealth Inc. purchased a new stake in shares of Bread Financial during the second quarter valued at approximately $42,000. Salomon & Ludwin LLC grew its holdings in Bread Financial by 136.2% in the 3rd quarter. Salomon & Ludwin LLC now owns 888 shares of the company’s stock worth $49,000 after acquiring an additional 512 shares during the last quarter. Strs Ohio bought a new position in shares of Bread Financial during the first quarter valued at about $65,000. Finally, CWM LLC boosted its holdings in shares of Bread Financial by 18.3% during the third quarter. CWM LLC now owns 2,978 shares of the company’s stock worth $166,000 after purchasing an additional 461 shares during the period. Institutional investors own 99.52% of the company’s stock.

Bread Financial Trading Down 0.6%

BFH opened at $72.60 on Friday. The company has a quick ratio of 1.19, a current ratio of 1.17 and a debt-to-equity ratio of 0.27. Bread Financial Holdings, Inc. has a 52 week low of $38.21 and a 52 week high of $82.03. The stock has a market cap of $3.31 billion, a PE ratio of 6.70, a PEG ratio of 0.49 and a beta of 1.27. The business has a 50 day moving average of $73.11 and a 200-day moving average of $65.54.

Bread Financial (NYSE:BFH) last posted its quarterly earnings data on Thursday, January 29th. The company reported $2.07 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $0.40 by $1.67. The business had revenue of $975.00 million during the quarter, compared to the consensus estimate of $954.74 million. Bread Financial had a return on equity of 17.92% and a net margin of 11.02%.During the same quarter in the prior year, the company earned $0.41 earnings per share. Equities research analysts predict that Bread Financial Holdings, Inc. will post 6.45 earnings per share for the current fiscal year.

Bread Financial declared that its board has initiated a stock buyback plan on Thursday, October 23rd that allows the company to buyback $200.00 million in shares. This buyback authorization allows the company to purchase up to 7.1% of its stock through open market purchases. Stock buyback plans are typically a sign that the company’s board believes its shares are undervalued.

Bread Financial Dividend Announcement

The firm also recently declared a quarterly dividend, which will be paid on Monday, March 16th. Investors of record on Friday, February 27th will be given a dividend of $0.23 per share. This represents a $0.92 dividend on an annualized basis and a yield of 1.3%. The ex-dividend date of this dividend is Friday, February 27th. Bread Financial’s dividend payout ratio (DPR) is 8.49%.

More Bread Financial News

Here are the key news stories impacting Bread Financial this week:

• Positive Sentiment: Q4 results materially beat expectations — strong EPS and revenue, with management highlighting improved credit metrics and solid margins, which supports near-term profitability. MarketBeat Earnings Summary
• Positive Sentiment: BTIG reaffirmed a “buy” rating and maintained a $98 price target (significant upside vs. the current share level), offering a bullish analyst counterpoint that may support the stock. TickerReport: BTIG Coverage
• Positive Sentiment: Company commentary and investor materials indicate low single-digit loan growth guidance for 2026 and improving credit metrics (delinquencies down year-over-year), which reduces downside risk from credit cycles. Seeking Alpha: Credit Metrics Update
• Neutral Sentiment: Bread declared a quarterly common dividend of $0.23 per share (payable March 16, ex-dividend Feb 27), providing modest income but not a large yield. GlobeNewswire: Dividend Notice
• Neutral Sentiment: Company performance update published December metrics (net loss rate 7.4%, delinquency ~5.8%) — shows improvement vs. prior year but still-elevated loss levels that investors will monitor. GlobeNewswire: Performance Update
• Neutral Sentiment: Earnings call materials and transcript are available for deeper read — useful for investors assessing forward commentary on losses, loan growth and buyback/dividend plans. Seeking Alpha: Earnings Call Transcript
• Negative Sentiment: Morgan Stanley raised its price target to $68 but kept an “underweight” stance — the PT implies downside from current levels and signals caution from a major institutional shop, which can weigh on sentiment. Benzinga: Analyst Note

Analyst Ratings Changes

A number of research analysts recently issued reports on BFH shares. UBS Group assumed coverage on Bread Financial in a report on Thursday, January 8th. They set a “buy” rating and a $92.00 price target on the stock. Weiss Ratings reiterated a “buy (b-)” rating on shares of Bread Financial in a research report on Monday, December 29th. Wall Street Zen upgraded Bread Financial from a “buy” rating to a “strong-buy” rating in a report on Friday, January 23rd. BTIG Research reaffirmed a “buy” rating and issued a $98.00 price target on shares of Bread Financial in a research note on Friday. Finally, Zacks Research cut shares of Bread Financial from a “strong-buy” rating to a “hold” rating in a report on Monday, December 22nd. Four research analysts have rated the stock with a Buy rating, seven have given a Hold rating and three have given a Sell rating to the company. According to MarketBeat.com, Bread Financial presently has a consensus rating of “Hold” and an average target price of $79.27.

Bread Financial Company Profile

Bread Financial, formerly known as Alliance Data Systems, is a Columbus, Ohio–based financial services company that specializes in providing private label credit programs, co-brand credit cards and digital payment solutions for retail partners. The company designs, issues and services proprietary credit products, enabling merchants to offer branded financing options that drive customer loyalty and increase basket sizes at the point of sale. Through its Bread technology platform, Bread Financial delivers installment-based payment options that integrate directly into e-commerce and in-store checkout experiences.

In addition to its core credit offerings, Bread Financial provides analytics, marketing and loyalty services to help merchants better understand consumer behavior and optimize promotional strategies.