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BFH Quote, Financials, Valuation and Earnings

Last price:
$61.93
Seasonality move :
1.05%
Day range:
$60.10 - $61.71
52-week range:
$28.00 - $66.71
Dividend yield:
1.39%
P/E ratio:
9.58x
P/S ratio:
0.77x
P/B ratio:
0.97x
Volume:
614.7K
Avg. volume:
661.8K
1-year change:
83.3%
Market cap:
$3B
Revenue:
$4.3B
EPS (TTM):
$6.31

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
BFH
Bread Financial Holdings
$966.1M $0.40 -4.73% -60.56% $59.34
AXP
American Express
$17.2B $3.02 9.61% 15.11% $288.44
CACC
Credit Acceptance
$566.2M $7.93 15.86% 5.58% $484.67
COF
Capital One Financial
$10.2B $2.73 6.5% 59.91% $187.40
DFS
Discover Financial Services
$4.4B $3.00 5.1% 94.89% $174.83
SYF
Synchrony Financial
$3.8B $1.89 5.36% 82.01% $71.96
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
BFH
Bread Financial Holdings
$60.47 $59.34 $3B 9.58x $0.21 1.39% 0.77x
AXP
American Express
$298.43 $288.44 $210.2B 21.96x $0.70 0.91% 3.33x
CACC
Credit Acceptance
$465.20 $484.67 $5.6B 31.24x $0.00 0% 2.83x
COF
Capital One Financial
$178.71 $187.40 $68.2B 16.88x $0.60 1.34% 1.78x
DFS
Discover Financial Services
$174.20 $174.83 $43.8B 12.32x $0.70 1.61% 2.52x
SYF
Synchrony Financial
$65.25 $71.96 $25.4B 8.52x $0.25 1.53% 1.77x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
BFH
Bread Financial Holdings
59.56% 0.959 193.94% --
AXP
American Express
64.93% 0.725 28.81% 3.33x
CACC
Credit Acceptance
79.15% 1.223 116.36% 21.85x
COF
Capital One Financial
43.69% 0.959 85.46% 45.77x
DFS
Discover Financial Services
51.51% 1.688 50.08% 18.27x
SYF
Synchrony Financial
49.45% 0.973 75.75% --
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
BFH
Bread Financial Holdings
-- -- 4.04% 10.33% 28.48% $453M
AXP
American Express
-- -- 12.39% 34.49% 32.14% -$2.3B
CACC
Credit Acceptance
$336.6M $99.8M 2.62% 11.41% 18.36% $317.3M
COF
Capital One Financial
-- -- 4.08% 7.51% 59.94% $6.1B
DFS
Discover Financial Services
-- -- 10.32% 23.64% 59.49% $2B
SYF
Synchrony Financial
-- -- 10.34% 21.25% 57.79% $2.8B

Bread Financial Holdings vs. Competitors

  • Which has Higher Returns BFH or AXP?

    American Express has a net margin of 0.2% compared to Bread Financial Holdings's net margin of 15.07%. Bread Financial Holdings's return on equity of 10.33% beat American Express's return on equity of 34.49%.

    Company Gross Margin Earnings Per Share Invested Capital
    BFH
    Bread Financial Holdings
    -- $0.05 $7.7B
    AXP
    American Express
    -- $3.49 $84.7B
  • What do Analysts Say About BFH or AXP?

    Bread Financial Holdings has a consensus price target of $59.34, signalling upside risk potential of 2.66%. On the other hand American Express has an analysts' consensus of $288.44 which suggests that it could fall by -3.35%. Given that Bread Financial Holdings has higher upside potential than American Express, analysts believe Bread Financial Holdings is more attractive than American Express.

    Company Buy Ratings Hold Ratings Sell Ratings
    BFH
    Bread Financial Holdings
    4 10 1
    AXP
    American Express
    5 14 3
  • Is BFH or AXP More Risky?

    Bread Financial Holdings has a beta of 1.941, which suggesting that the stock is 94.064% more volatile than S&P 500. In comparison American Express has a beta of 1.232, suggesting its more volatile than the S&P 500 by 23.226%.

  • Which is a Better Dividend Stock BFH or AXP?

    Bread Financial Holdings has a quarterly dividend of $0.21 per share corresponding to a yield of 1.39%. American Express offers a yield of 0.91% to investors and pays a quarterly dividend of $0.70 per share. Bread Financial Holdings pays 5.85% of its earnings as a dividend. American Express pays out 21.26% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios BFH or AXP?

    Bread Financial Holdings quarterly revenues are $983M, which are smaller than American Express quarterly revenues of $16.6B. Bread Financial Holdings's net income of $2M is lower than American Express's net income of $2.5B. Notably, Bread Financial Holdings's price-to-earnings ratio is 9.58x while American Express's PE ratio is 21.96x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Bread Financial Holdings is 0.77x versus 3.33x for American Express. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    BFH
    Bread Financial Holdings
    0.77x 9.58x $983M $2M
    AXP
    American Express
    3.33x 21.96x $16.6B $2.5B
  • Which has Higher Returns BFH or CACC?

    Credit Acceptance has a net margin of 0.2% compared to Bread Financial Holdings's net margin of 14.5%. Bread Financial Holdings's return on equity of 10.33% beat Credit Acceptance's return on equity of 11.41%.

    Company Gross Margin Earnings Per Share Invested Capital
    BFH
    Bread Financial Holdings
    -- $0.05 $7.7B
    CACC
    Credit Acceptance
    61.92% $6.35 $7.9B
  • What do Analysts Say About BFH or CACC?

    Bread Financial Holdings has a consensus price target of $59.34, signalling upside risk potential of 2.66%. On the other hand Credit Acceptance has an analysts' consensus of $484.67 which suggests that it could fall by -8.32%. Given that Bread Financial Holdings has higher upside potential than Credit Acceptance, analysts believe Bread Financial Holdings is more attractive than Credit Acceptance.

    Company Buy Ratings Hold Ratings Sell Ratings
    BFH
    Bread Financial Holdings
    4 10 1
    CACC
    Credit Acceptance
    0 2 1
  • Is BFH or CACC More Risky?

    Bread Financial Holdings has a beta of 1.941, which suggesting that the stock is 94.064% more volatile than S&P 500. In comparison Credit Acceptance has a beta of 1.460, suggesting its more volatile than the S&P 500 by 45.99%.

  • Which is a Better Dividend Stock BFH or CACC?

    Bread Financial Holdings has a quarterly dividend of $0.21 per share corresponding to a yield of 1.39%. Credit Acceptance offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Bread Financial Holdings pays 5.85% of its earnings as a dividend. Credit Acceptance pays out -- of its earnings as a dividend. Bread Financial Holdings's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios BFH or CACC?

    Bread Financial Holdings quarterly revenues are $983M, which are larger than Credit Acceptance quarterly revenues of $543.6M. Bread Financial Holdings's net income of $2M is lower than Credit Acceptance's net income of $78.8M. Notably, Bread Financial Holdings's price-to-earnings ratio is 9.58x while Credit Acceptance's PE ratio is 31.24x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Bread Financial Holdings is 0.77x versus 2.83x for Credit Acceptance. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    BFH
    Bread Financial Holdings
    0.77x 9.58x $983M $2M
    CACC
    Credit Acceptance
    2.83x 31.24x $543.6M $78.8M
  • Which has Higher Returns BFH or COF?

    Capital One Financial has a net margin of 0.2% compared to Bread Financial Holdings's net margin of 17.75%. Bread Financial Holdings's return on equity of 10.33% beat Capital One Financial's return on equity of 7.51%.

    Company Gross Margin Earnings Per Share Invested Capital
    BFH
    Bread Financial Holdings
    -- $0.05 $7.7B
    COF
    Capital One Financial
    -- $4.41 $111.7B
  • What do Analysts Say About BFH or COF?

    Bread Financial Holdings has a consensus price target of $59.34, signalling upside risk potential of 2.66%. On the other hand Capital One Financial has an analysts' consensus of $187.40 which suggests that it could grow by 4.86%. Given that Capital One Financial has higher upside potential than Bread Financial Holdings, analysts believe Capital One Financial is more attractive than Bread Financial Holdings.

    Company Buy Ratings Hold Ratings Sell Ratings
    BFH
    Bread Financial Holdings
    4 10 1
    COF
    Capital One Financial
    5 12 1
  • Is BFH or COF More Risky?

    Bread Financial Holdings has a beta of 1.941, which suggesting that the stock is 94.064% more volatile than S&P 500. In comparison Capital One Financial has a beta of 1.464, suggesting its more volatile than the S&P 500 by 46.364%.

  • Which is a Better Dividend Stock BFH or COF?

    Bread Financial Holdings has a quarterly dividend of $0.21 per share corresponding to a yield of 1.39%. Capital One Financial offers a yield of 1.34% to investors and pays a quarterly dividend of $0.60 per share. Bread Financial Holdings pays 5.85% of its earnings as a dividend. Capital One Financial pays out 23.72% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios BFH or COF?

    Bread Financial Holdings quarterly revenues are $983M, which are smaller than Capital One Financial quarterly revenues of $10B. Bread Financial Holdings's net income of $2M is lower than Capital One Financial's net income of $1.8B. Notably, Bread Financial Holdings's price-to-earnings ratio is 9.58x while Capital One Financial's PE ratio is 16.88x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Bread Financial Holdings is 0.77x versus 1.78x for Capital One Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    BFH
    Bread Financial Holdings
    0.77x 9.58x $983M $2M
    COF
    Capital One Financial
    1.78x 16.88x $10B $1.8B
  • Which has Higher Returns BFH or DFS?

    Discover Financial Services has a net margin of 0.2% compared to Bread Financial Holdings's net margin of 19.54%. Bread Financial Holdings's return on equity of 10.33% beat Discover Financial Services's return on equity of 23.64%.

    Company Gross Margin Earnings Per Share Invested Capital
    BFH
    Bread Financial Holdings
    -- $0.05 $7.7B
    DFS
    Discover Financial Services
    -- $3.32 $35.3B
  • What do Analysts Say About BFH or DFS?

    Bread Financial Holdings has a consensus price target of $59.34, signalling upside risk potential of 2.66%. On the other hand Discover Financial Services has an analysts' consensus of $174.83 which suggests that it could grow by 0.36%. Given that Bread Financial Holdings has higher upside potential than Discover Financial Services, analysts believe Bread Financial Holdings is more attractive than Discover Financial Services.

    Company Buy Ratings Hold Ratings Sell Ratings
    BFH
    Bread Financial Holdings
    4 10 1
    DFS
    Discover Financial Services
    3 12 0
  • Is BFH or DFS More Risky?

    Bread Financial Holdings has a beta of 1.941, which suggesting that the stock is 94.064% more volatile than S&P 500. In comparison Discover Financial Services has a beta of 1.458, suggesting its more volatile than the S&P 500 by 45.81%.

  • Which is a Better Dividend Stock BFH or DFS?

    Bread Financial Holdings has a quarterly dividend of $0.21 per share corresponding to a yield of 1.39%. Discover Financial Services offers a yield of 1.61% to investors and pays a quarterly dividend of $0.70 per share. Bread Financial Holdings pays 5.85% of its earnings as a dividend. Discover Financial Services pays out 26.9% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios BFH or DFS?

    Bread Financial Holdings quarterly revenues are $983M, which are smaller than Discover Financial Services quarterly revenues of $4.5B. Bread Financial Holdings's net income of $2M is lower than Discover Financial Services's net income of $870M. Notably, Bread Financial Holdings's price-to-earnings ratio is 9.58x while Discover Financial Services's PE ratio is 12.32x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Bread Financial Holdings is 0.77x versus 2.52x for Discover Financial Services. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    BFH
    Bread Financial Holdings
    0.77x 9.58x $983M $2M
    DFS
    Discover Financial Services
    2.52x 12.32x $4.5B $870M
  • Which has Higher Returns BFH or SYF?

    Synchrony Financial has a net margin of 0.2% compared to Bread Financial Holdings's net margin of 20.69%. Bread Financial Holdings's return on equity of 10.33% beat Synchrony Financial's return on equity of 21.25%.

    Company Gross Margin Earnings Per Share Invested Capital
    BFH
    Bread Financial Holdings
    -- $0.05 $7.7B
    SYF
    Synchrony Financial
    -- $1.94 $31.6B
  • What do Analysts Say About BFH or SYF?

    Bread Financial Holdings has a consensus price target of $59.34, signalling upside risk potential of 2.66%. On the other hand Synchrony Financial has an analysts' consensus of $71.96 which suggests that it could grow by 8.83%. Given that Synchrony Financial has higher upside potential than Bread Financial Holdings, analysts believe Synchrony Financial is more attractive than Bread Financial Holdings.

    Company Buy Ratings Hold Ratings Sell Ratings
    BFH
    Bread Financial Holdings
    4 10 1
    SYF
    Synchrony Financial
    10 7 0
  • Is BFH or SYF More Risky?

    Bread Financial Holdings has a beta of 1.941, which suggesting that the stock is 94.064% more volatile than S&P 500. In comparison Synchrony Financial has a beta of 1.641, suggesting its more volatile than the S&P 500 by 64.125%.

  • Which is a Better Dividend Stock BFH or SYF?

    Bread Financial Holdings has a quarterly dividend of $0.21 per share corresponding to a yield of 1.39%. Synchrony Financial offers a yield of 1.53% to investors and pays a quarterly dividend of $0.25 per share. Bread Financial Holdings pays 5.85% of its earnings as a dividend. Synchrony Financial pays out 20.02% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios BFH or SYF?

    Bread Financial Holdings quarterly revenues are $983M, which are smaller than Synchrony Financial quarterly revenues of $3.8B. Bread Financial Holdings's net income of $2M is lower than Synchrony Financial's net income of $789M. Notably, Bread Financial Holdings's price-to-earnings ratio is 9.58x while Synchrony Financial's PE ratio is 8.52x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Bread Financial Holdings is 0.77x versus 1.77x for Synchrony Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    BFH
    Bread Financial Holdings
    0.77x 9.58x $983M $2M
    SYF
    Synchrony Financial
    1.77x 8.52x $3.8B $789M

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