Is DocuSign Stock Undervalued?
Digital signature software business DocuSign (NASDAQ:DOCU) has been struggling over…
Buy
79
BFH Quote, Financials, Valuation and Earnings
Last price:
$76.71
Seasonality move
:
-1.12%
Day range:
$76.30 - $77.50
52-week range:
$38.21 - $78.98
Dividend yield:
1.12%
P/E ratio:
7.81x
P/S ratio:
0.80x
P/B ratio:
1.05x
Volume:
536.3K
Avg. volume:
775.4K
1-year change:
21.81%
Market cap:
$3.5B
Revenue:
$4.8B
EPS (TTM):
$9.82
Analysts' Opinion
-
Consensus RatingBread Financial Holdings, Inc. has received a consensus rating of Hold. The company's average rating is a Hold based on 4 Buy ratings, 7 Hold ratings, and 2 Sell ratings.
-
Price Target DownsideAccording to analysts' consensus price target of $72.57, Bread Financial Holdings, Inc. has an estimated downside of -5.27% from its current price of $76.68.
-
Price Target UpsideAccording to analysts, the highest upside price target is $98.00 representing -100% upside increase from its current price of $76.68.
Fair Value
-
According to the consensus of 13 analysts, Bread Financial Holdings, Inc. has -5.27% downside to fair value with a price target of $72.57 per share.
BFH vs. S&P 500
-
Over the past 5 trading days, Bread Financial Holdings, Inc. has underperformed the S&P 500 by -0.37% suggesting its relative strength compared to the major market average is weak at this time.
Share Buyback
-
Bread Financial Holdings, Inc. 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, Inc. revenues have been falling on a year-over-year basis for 5 quarters in a row. In the most recent quarter Bread Financial Holdings, Inc. reported revenues of $1.2B.
Earnings Growth
-
Bread Financial Holdings, Inc. has grown year-over-year earnings for 3 quarters straight. In the most recent quarter Bread Financial Holdings, Inc. reported earnings per share of $3.96.
Enterprise value:
7.3B
EV / Invested capital:
1.02x
Price / LTM sales:
0.80x
EV / EBIT:
5.11x
EV / Revenue:
1.56x
PEG ratio (5yr expected):
0.14x
EV / Free cash flow:
3.68x
Price / Operating cash flow:
1.89x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
2.15%
Net Income Margin (TTM):
10.18%
Return On Equity:
15.15%
Return On Invested Capital:
6.08%
Operating Margin:
16.6%
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Income Statement | ||||||
| Revenue | $4.9B | $4.9B | $4.7B | $1.2B | $1.2B | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Operating Income | $741M | $426M | $540M | $40M | $196M | |
| EBITDA | -- | -- | -- | -- | -- | |
| Diluted EPS | $10.76 | $6.25 | $9.82 | $0.04 | $3.96 | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $19.4B | $3.6B | $3.4B | $3.5B | $3.8B | |
| Total Assets | $22.3B | $22B | $21.6B | $21.7B | $21.7B | |
| Current Liabilities | $12.9B | -- | $803M | $761M | $2.5B | |
| Total Liabilities | $20B | $19.6B | $18.7B | $18.6B | $18.4B | |
| Total Equity | $2.2B | $2.4B | $2.9B | $3.1B | $3.3B | |
| Total Debt | $17.5B | $5.9B | $4.2B | $4.6B | $3.8B | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | $1.9B | $2B | $2B | $456M | $605M | |
| Cash From Investing | -$1B | -$1.6B | -$1.2B | -$569M | -$338M | |
| Cash From Financing | -$1B | -$312M | -$476M | -$488M | -$306M | |
| Free Cash Flow | $1.8B | $1.9B | $2B | $453M | $597M | |
BFH
Sector
Market Cap
$3.5B
$570M
Price % of 52-Week High
97.13%
92.18%
Dividend Yield
1.12%
1.57%
Shareholder Yield
18.17%
3.12%
1-Year Price Total Return
22.99%
7.87%
Beta (5-Year)
1.279
0.478
Dividend yield:
1.12%
Annualized payout:
$0.84
Payout ratio:
5.31%
Growth streak:
0 years
Technicals
8-day SMA
Buy
Level
$76.65
200-day SMA
Buy
Level
$58.39
Bollinger Bands (100)
Buy
Level
58.04 - 69.72
Chaikin Money Flow
Buy
Level
219.5M
20-day SMA
Buy
Level
$73.50
Relative Strength Index (RSI14)
Buy
Level
73.97
ADX Line
Buy
Level
42.96
Williams %R
Neutral
Level
-25.4839
50-day SMA
Buy
Level
$67.01
MACD (12, 26)
Buy
Level
3.23
25-day Aroon Oscillator
Buy
Level
92
On Balance Volume
Sell
Level
-26.5M
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (0.1467)
Sell
CA Score
(Annual)
Level (-1.8246)
--
Beneish M-Score
(Annual)
Level (--)
Buy
Momentum Score
Level (8)
Sell
Ohlson Score
Level (3.6959)
Buy
Piotroski F Score
(Annual)
Level (5)
Buy
Quality Ratio Score
Level (2)
Sell
Fundamental Score
Level (5)
Revenue Forecast
Earnings per Share Forecast
Company Profile
Bread Financial Holdings, Inc. is a tech-forward financial services company, which engages in the provision of payment, lending, and saving solutions. It offers private labels and co-brand credit cards and buy now, pay later products such as installment loans and split-pay offerings. The company was founded in 1996 and is headquartered in Columbus, OH.
Stock Forecast FAQ
In the current month, BFH has received 4 Buy ratings 7 Hold ratings, and 2 Sell ratings. The BFH average analyst price target in the past 3 months is $72.57.
-
Where Will Bread Financial Holdings, Inc. Stock Be In 1 Year?
According to analysts, the consensus estimate is that Bread Financial Holdings, Inc. share price will drop to $72.57 per share over the next 12 months.
-
What Do Analysts Say About Bread Financial Holdings, Inc.?
Analysts are divided on their view about Bread Financial Holdings, Inc. 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, Inc. is a Sell and believe this share price will rise from its current level to $52.00.
-
What Is Bread Financial Holdings, Inc.'s Price Target?
The price target for Bread Financial Holdings, Inc. over the next 1-year time period is forecast to be $72.57 according to 13 Wall Street analysts, 4 of them rate the stock a Buy, 2 rate the stock a Sell, and 7 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, Inc. is a Hold. 7 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, Inc. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Bread Financial Holdings, Inc. shares.
-
What Is The Bread Financial Holdings, Inc. Share Price Today?
Bread Financial Holdings, Inc. was last trading at $76.71 per share. This represents the most recent stock quote for Bread Financial Holdings, Inc.. Yesterday, Bread Financial Holdings, Inc. closed at $76.68 per share.
-
How To Buy Bread Financial Holdings, Inc. Stock Online?
In order to purchase Bread Financial Holdings, Inc. 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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Financial Ratios
BFH
Sector
P/E ratio
7.81x
12.24x
PEG ratio
0.14x
0.31x
P/B ratio
1.05x
1.11x
Price / LTM sales
0.80x
1.84x
Growth Metrics
BFH
Sector
Revenue growth
-3.12%
5.54%
Earnings growth
9996.68%
14.85%
Revenue (5-year growth)
-3.02%
8.84%
Earnings forecast
$2.11
$0.62
Profitability
BFH
Sector
Profitability FY 2024
--
--
Return on invested capital
6.08%
5.01%
Return on assets
2.15%
1.01%
Return on equity
15.15%
9.68%
Earnings Date
Last Earnings Date
Oct
23
Next Earnings Date
Jan
29
Estimated Next Earnings Date
Jan
22
Balance Sheet
BFH
Sector
Total cash
$4B
$431.4M
Short term investments
$170M
$211.3M
Total assets
$22.9B
$3.1B
Long term debt
$3.8B
$79M
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