Financhill
Buy
53

BFH Quote, Financials, Valuation and Earnings

Last price:
$47.39
Seasonality move :
6.24%
Day range:
$46.05 - $47.58
52-week range:
$36.31 - $66.71
Dividend yield:
1.73%
P/E ratio:
8.60x
P/S ratio:
0.64x
P/B ratio:
0.73x
Volume:
701.9K
Avg. volume:
1.2M
1-year change:
28.56%
Market cap:
$2.3B
Revenue:
$3.8B
EPS (TTM):
$5.63

Analysts' Opinion

  • Consensus Rating
    Bread Financial Holdings has received a consensus rating of Hold. The company's average rating is a Hold based on 4 Buy ratings, 8 Hold ratings, and 1 Sell rating.
  • Price Target Upside
    According to analysts' consensus price target of $57.14, Bread Financial Holdings has an estimated upside of 17.97% from its current price of $47.45.
  • Price Target Downside
    According to analysts, the lowest downside price target is $36.00 representing 100% downside risk from its current price of $47.45.

Fair Value

  • According to the consensus of 13 analysts, Bread Financial Holdings has 17.97% upside to fair value with a price target of $57.14 per share.

BFH vs. S&P 500

  • Over the past 5 trading days, Bread Financial Holdings has overperformed the S&P 500 by 1.89% suggesting its relative strength compared to the major market average is strong at this time.

Share Buyback

  • Bread Financial Holdings does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Bread Financial Holdings revenues have been falling on a year-over-year basis for 6 quarters in a row. In the most recent quarter Bread Financial Holdings reported revenues of $970M.

Earnings Growth

  • Bread Financial Holdings has grown year-over-year earnings for 1 quarter straight. In the most recent quarter Bread Financial Holdings reported earnings per share of $2.78.
Enterprise value:
3.2B
EV / Invested capital:
0.39x
Price / LTM sales:
0.64x
EV / EBIT:
2.38x
EV / Revenue:
0.83x
PEG ratio (5yr expected):
--
EV / Free cash flow:
1.75x
Price / Operating cash flow:
1.35x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.26%
Net Income Margin (TTM):
7.34%
Return On Equity:
9.07%
Return On Invested Capital:
3.49%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Income Statement
Revenue $4.2B $4B $3.8B $991M $970M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $9.33 $7.97 $5.63 $2.70 $2.78
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Balance Sheet
Current Assets $18.3B $3.2B $3.7B $4B $4.4B
Total Assets $21.2B $20.9B $22B $22.3B $22.4B
Current Liabilities $10.7B -- -- -- --
Total Liabilities $19.4B $18.7B $19.3B $19.3B $19.3B
Total Equity $1.8B $2.3B $2.7B $3B $3.1B
Total Debt $6.6B $6.8B $4.9B $4.7B $5.1B
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Cash Flow Statement
Cash Flow Operations $1.7B $2B $1.8B $447M $393M
Cash From Investing -$2.3B -$1.6B -$1.2B $720M $691M
Cash From Financing $529M -$227M -$179M -$975M -$562M
Free Cash Flow $1.7B $2B $1.8B $447M $393M
BFH
Sector
Market Cap
$2.3B
$603.7M
Price % of 52-Week High
72.61%
84.45%
Dividend Yield
1.73%
2.05%
Shareholder Yield
9.29%
3.98%
1-Year Price Total Return
27.44%
9.07%
Beta (5-Year)
1.585
0.555
Dividend yield:
1.73%
Annualized payout:
$0.84
Payout ratio:
15.71%
Growth streak:
0 years

Technicals

8-day SMA
Sell
Level $47.78
200-day SMA
Sell
Level $54.18
Bollinger Bands (100)
Sell
Level 0 - 0
Chaikin Money Flow
Sell
Level --
20-day SMA
Buy
Level $46.36
Relative Strength Index (RSI14)
Sell
Level 48.36
ADX Line
Neutral
Level 0
Williams %R
Neutral
Level -31.1725
50-day SMA
Sell
Level $49.83
MACD (12, 26)
Sell
Level -0.46
25-day Aroon Oscillator
Sell
Level -36
On Balance Volume
Neutral
Level --

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.6765)
Sell
CA Score (Annual)
Level (-1.838)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (9)
Sell
Ohlson Score
Level (2.1792)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Sell
Fundamental Score
Level (5)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Formed by a combination of JCPenney’s credit card processing unit and The Limited’s credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company’s most financially significant unit is its credit card business that partners with retailers to jointly market Bread’s credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.

Stock Forecast FAQ

In the current month, BFH has received 4 Buy ratings 8 Hold ratings, and 1 Sell ratings. The BFH average analyst price target in the past 3 months is $57.14.

  • Where Will Bread Financial Holdings Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Bread Financial Holdings share price will rise to $57.14 per share over the next 12 months.

  • What Do Analysts Say About Bread Financial Holdings?

    Analysts are divided on their view about Bread Financial Holdings share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Bread Financial Holdings is a Sell and believe this share price will drop from its current level to $36.00.

  • What Is Bread Financial Holdings's Price Target?

    The price target for Bread Financial Holdings over the next 1-year time period is forecast to be $57.14 according to 13 Wall Street analysts, 4 of them rate the stock a Buy, 1 rates the stock a Sell, and 8 analysts rate the stock a Hold.

  • Is BFH A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Bread Financial Holdings is a Hold. 8 of 13 analysts rate the stock a Hold at this time.

  • How Can I Buy Shares Of BFH?

    You can purchase shares of Bread Financial Holdings via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, tastytrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Bread Financial Holdings shares.

  • What Is The Bread Financial Holdings Share Price Today?

    Bread Financial Holdings was last trading at $47.39 per share. This represents the most recent stock quote for Bread Financial Holdings. Yesterday, Bread Financial Holdings closed at $47.45 per share.

  • How To Buy Bread Financial Holdings Stock Online?

    In order to purchase Bread Financial Holdings stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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