Financhill
Buy
65

BFH Quote, Financials, Valuation and Earnings

Last price:
$74.21
Seasonality move :
3.37%
Day range:
$73.07 - $75.06
52-week range:
$38.21 - $82.03
Dividend yield:
1.15%
P/E ratio:
6.92x
P/S ratio:
0.76x
P/B ratio:
0.97x
Volume:
769K
Avg. volume:
1M
1-year change:
22.93%
Market cap:
$3.2B
Revenue:
$4.7B
EPS (TTM):
$10.84

Analysts' Opinion

  • Consensus Rating
    Bread Financial Holdings, Inc. has received a consensus rating of Hold. The company's average rating is a Hold based on 6 Buy ratings, 7 Hold ratings, and 1 Sell rating.
  • Price Target Upside
    According to analysts' consensus price target of $83.47, Bread Financial Holdings, Inc. has an estimated upside of 11.27% from its current price of $75.01.
  • Price Target Downside
    According to analysts, the lowest downside price target is $64.00 representing 14.68% downside risk from its current price of $75.01.

Fair Value

  • According to the consensus of 14 analysts, Bread Financial Holdings, Inc. has 11.27% upside to fair value with a price target of $83.47 per share.

BFH vs. S&P 500

  • Over the past 5 trading days, Bread Financial Holdings, Inc. has underperformed the S&P 500 by -1.71% 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. has grown year-over-year revenues for 1 quarter straight. 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 4 quarters straight. In the most recent quarter Bread Financial Holdings, Inc. reported earnings per share of $1.15.
Enterprise value:
7.6B
EV / Invested capital:
0.99x
Price / LTM sales:
0.76x
EV / EBIT:
5.20x
EV / Revenue:
1.62x
PEG ratio (5yr expected):
0.07x
EV / Free cash flow:
3.69x
Price / Operating cash flow:
1.73x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
2.34%
Net Income Margin (TTM):
11.12%
Return On Equity:
16.39%
Return On Invested Capital:
6.67%
Operating Margin:
4%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-12-31 2024-12-31 2025-12-31 2024-12-31 2025-12-31
Income Statement
Revenue $4.9B $4.8B $4.7B $1.2B $1.2B
Gross Profit -- -- -- -- --
Operating Income $967M $381M $614M -$27M $47M
EBITDA -- -- -- -- --
Diluted EPS $14.32 $5.52 $10.84 $0.14 $1.15
Period Ending 2021-12-31 2022-12-31 2023-12-31 2024-12-31 2025-12-31
Balance Sheet
Current Assets $1.4B $618M $830M $782M $584M
Total Assets $22B $25.6B $23.2B $22.9B $22.7B
Current Liabilities $9.8B $11.3B $5.5B $8.6B $6.6B
Total Liabilities $20B $23.3B $20.3B $19.9B $19.4B
Total Equity $2.1B $2.3B $2.9B $3.1B $3.3B
Total Debt $7.6B $2B $5.4B $5.7B $4.4B
Trailing 12 Months Fiscal Quarters
Period Ending 2023-12-31 2024-12-31 2025-12-31 2024-12-31 2025-12-31
Cash Flow Statement
Cash Flow Operations $2B $1.9B $2.1B $479M $568M
Cash From Investing $788M -$1.2B -$1.4B -$1.4B -$1.5B
Cash From Financing -$3.1B -$592M -$807M $1.1B $784M
Free Cash Flow $1.9B $1.8B $2.1B $472M $564M
BFH
Sector
Market Cap
$3.2B
$542.8M
Price % of 52-Week High
91.44%
91.06%
Dividend Yield
1.15%
1.44%
Shareholder Yield
9.74%
2.98%
1-Year Price Total Return
22.93%
7.81%
Beta (5-Year)
1.261
0.446
Dividend yield:
1.15%
Annualized payout:
$0.86
Payout ratio:
19.96%
Growth streak:
1 years

Technicals

8-day SMA
Buy
Level $74.79
200-day SMA
Buy
Level $63.12
Bollinger Bands (100)
Buy
Level 60.63 - 75.51
Chaikin Money Flow
Buy
Level 221.4M
20-day SMA
Buy
Level $73.66
Relative Strength Index (RSI14)
Buy
Level 52.64
ADX Line
Sell
Level 15.16
Williams %R
Neutral
Level -56.8781
50-day SMA
Buy
Level $74.42
MACD (12, 26)
Buy
Level 0.41
25-day Aroon Oscillator
Buy
Level 64
On Balance Volume
Sell
Level -24.5M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.2935)
Sell
CA Score (Annual)
Level (-1.749)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (7)
Sell
Ohlson Score
Level (2.3888)
Buy
Piotroski F Score (Annual)
Level (6)
Buy
Quality Ratio Score
Level (3)
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 6 Buy ratings 7 Hold ratings, and 1 Sell ratings. The BFH average analyst price target in the past 3 months is $83.47.

  • 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 rise to $83.47 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 drop from its current level to $64.00.

  • 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 $83.47 according to 14 Wall Street analysts, 6 of them rate the stock a Buy, 1 rates 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 14 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 $74.21 per share. This represents the most recent stock quote for Bread Financial Holdings, Inc.. Yesterday, Bread Financial Holdings, Inc. closed at $75.01 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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