Financhill
Buy
76

BFH Quote, Financials, Valuation and Earnings

Last price:
$80.35
Seasonality move :
-2.62%
Day range:
$80.00 - $82.03
52-week range:
$38.21 - $82.03
Dividend yield:
1.07%
P/E ratio:
8.18x
P/S ratio:
0.84x
P/B ratio:
1.10x
Volume:
685.2K
Avg. volume:
721.8K
1-year change:
35.56%
Market cap:
$3.7B
Revenue:
$4.8B
EPS (TTM):
$9.82

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, Inc.
$957.7M $0.39 -17.15% 95.89% $78.87
AXP
American Express Co.
$18.9B $3.56 -2% 8.4% $370.85
CACC
Credit Acceptance Corp.
$584M $9.85 2.96% -19.67% $465.50
COF
Capital One Financial Corp.
$15.5B $4.17 17.05% 57.48% $279.57
SLM
SLM Corp.
$383.4M $0.92 -44.9% 85.45% $31.82
SYF
Synchrony Financial
$3.8B $2.01 -21.97% 5.47% $89.87
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
BFH
Bread Financial Holdings, Inc.
$80.36 $78.87 $3.7B 8.18x $0.23 1.07% 0.84x
AXP
American Express Co.
$375.61 $370.85 $258.7B 25.22x $0.82 0.87% 3.34x
CACC
Credit Acceptance Corp.
$476.32 $465.50 $5.3B 12.61x $0.00 0% 2.48x
COF
Capital One Financial Corp.
$249.20 $279.57 $158.4B 105.69x $0.80 1.04% 1.90x
SLM
SLM Corp.
$27.61 $31.82 $5.6B 9.73x $0.13 1.88% 1.91x
SYF
Synchrony Financial
$86.89 $89.87 $31.3B 9.50x $0.30 1.32% 1.73x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
BFH
Bread Financial Holdings, Inc.
53.31% 1.394 147.62% 0.00x
AXP
American Express Co.
64.63% 1.704 25.88% 3.39x
CACC
Credit Acceptance Corp.
80.14% -0.105 123.54% 1.02x
COF
Capital One Financial Corp.
31.15% 1.324 38.09% 0.00x
SLM
SLM Corp.
74.5% 0.283 116.48% --
SYF
Synchrony Financial
45.82% 2.085 53.83% 2.90x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
BFH
Bread Financial Holdings, Inc.
-- $196M 6.08% 15.15% 34.38% $597M
AXP
American Express Co.
$12.7B $4.6B 12.07% 33.57% 28.56% $5.6B
CACC
Credit Acceptance Corp.
$575.6M $265.2M 5.62% 27.54% 71.64% $298.8M
COF
Capital One Financial Corp.
-- $4.4B 1.04% 1.64% 44.4% $8.8B
SLM
SLM Corp.
$627.6M $272.7M 7.2% 27.31% 54.08% -$52.8M
SYF
Synchrony Financial
$3.9B $1.6B 11.05% 21.5% 57.39% $2.6B

Bread Financial Holdings, Inc. vs. Competitors

  • Which has Higher Returns BFH or AXP?

    American Express Co. has a net margin of 15.92% compared to Bread Financial Holdings, Inc.'s net margin of 14.01%. Bread Financial Holdings, Inc.'s return on equity of 15.15% beat American Express Co.'s return on equity of 33.57%.

    Company Gross Margin Earnings Per Share Invested Capital
    BFH
    Bread Financial Holdings, Inc.
    -- $3.96 $7.1B
    AXP
    American Express Co.
    61.53% $4.14 $91.7B
  • What do Analysts Say About BFH or AXP?

    Bread Financial Holdings, Inc. has a consensus price target of $78.87, signalling downside risk potential of -1.86%. On the other hand American Express Co. has an analysts' consensus of $370.85 which suggests that it could fall by -1.27%. Given that Bread Financial Holdings, Inc. has more downside risk than American Express Co., analysts believe American Express Co. is more attractive than Bread Financial Holdings, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    BFH
    Bread Financial Holdings, Inc.
    5 7 1
    AXP
    American Express Co.
    7 17 1
  • Is BFH or AXP More Risky?

    Bread Financial Holdings, Inc. has a beta of 1.277, which suggesting that the stock is 27.656% more volatile than S&P 500. In comparison American Express Co. has a beta of 1.148, suggesting its more volatile than the S&P 500 by 14.811%.

  • Which is a Better Dividend Stock BFH or AXP?

    Bread Financial Holdings, Inc. has a quarterly dividend of $0.23 per share corresponding to a yield of 1.07%. American Express Co. offers a yield of 0.87% to investors and pays a quarterly dividend of $0.82 per share. Bread Financial Holdings, Inc. pays 15.28% of its earnings as a dividend. American Express Co. pays out 19.97% 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, Inc. quarterly revenues are $1.2B, which are smaller than American Express Co. quarterly revenues of $20.6B. Bread Financial Holdings, Inc.'s net income of $188M is lower than American Express Co.'s net income of $2.9B. Notably, Bread Financial Holdings, Inc.'s price-to-earnings ratio is 8.18x while American Express Co.'s PE ratio is 25.22x. 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, Inc. is 0.84x versus 3.34x for American Express Co.. 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, Inc.
    0.84x 8.18x $1.2B $188M
    AXP
    American Express Co.
    3.34x 25.22x $20.6B $2.9B
  • Which has Higher Returns BFH or CACC?

    Credit Acceptance Corp. has a net margin of 15.92% compared to Bread Financial Holdings, Inc.'s net margin of 18.58%. Bread Financial Holdings, Inc.'s return on equity of 15.15% beat Credit Acceptance Corp.'s return on equity of 27.54%.

    Company Gross Margin Earnings Per Share Invested Capital
    BFH
    Bread Financial Holdings, Inc.
    -- $3.96 $7.1B
    CACC
    Credit Acceptance Corp.
    98.83% $9.43 $7.9B
  • What do Analysts Say About BFH or CACC?

    Bread Financial Holdings, Inc. has a consensus price target of $78.87, signalling downside risk potential of -1.86%. On the other hand Credit Acceptance Corp. has an analysts' consensus of $465.50 which suggests that it could fall by -2.27%. Given that Credit Acceptance Corp. has more downside risk than Bread Financial Holdings, Inc., analysts believe Bread Financial Holdings, Inc. is more attractive than Credit Acceptance Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    BFH
    Bread Financial Holdings, Inc.
    5 7 1
    CACC
    Credit Acceptance Corp.
    0 4 0
  • Is BFH or CACC More Risky?

    Bread Financial Holdings, Inc. has a beta of 1.277, which suggesting that the stock is 27.656% more volatile than S&P 500. In comparison Credit Acceptance Corp. has a beta of 1.239, suggesting its more volatile than the S&P 500 by 23.861%.

  • Which is a Better Dividend Stock BFH or CACC?

    Bread Financial Holdings, Inc. has a quarterly dividend of $0.23 per share corresponding to a yield of 1.07%. Credit Acceptance Corp. offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Bread Financial Holdings, Inc. pays 15.28% of its earnings as a dividend. Credit Acceptance Corp. pays out -- of its earnings as a dividend. Bread Financial Holdings, Inc.'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, Inc. quarterly revenues are $1.2B, which are larger than Credit Acceptance Corp. quarterly revenues of $582.4M. Bread Financial Holdings, Inc.'s net income of $188M is higher than Credit Acceptance Corp.'s net income of $108.2M. Notably, Bread Financial Holdings, Inc.'s price-to-earnings ratio is 8.18x while Credit Acceptance Corp.'s PE ratio is 12.61x. 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, Inc. is 0.84x versus 2.48x for Credit Acceptance Corp.. 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, Inc.
    0.84x 8.18x $1.2B $188M
    CACC
    Credit Acceptance Corp.
    2.48x 12.61x $582.4M $108.2M
  • Which has Higher Returns BFH or COF?

    Capital One Financial Corp. has a net margin of 15.92% compared to Bread Financial Holdings, Inc.'s net margin of 16.05%. Bread Financial Holdings, Inc.'s return on equity of 15.15% beat Capital One Financial Corp.'s return on equity of 1.64%.

    Company Gross Margin Earnings Per Share Invested Capital
    BFH
    Bread Financial Holdings, Inc.
    -- $3.96 $7.1B
    COF
    Capital One Financial Corp.
    -- $4.83 $165.3B
  • What do Analysts Say About BFH or COF?

    Bread Financial Holdings, Inc. has a consensus price target of $78.87, signalling downside risk potential of -1.86%. On the other hand Capital One Financial Corp. has an analysts' consensus of $279.57 which suggests that it could grow by 12.19%. Given that Capital One Financial Corp. has higher upside potential than Bread Financial Holdings, Inc., analysts believe Capital One Financial Corp. is more attractive than Bread Financial Holdings, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    BFH
    Bread Financial Holdings, Inc.
    5 7 1
    COF
    Capital One Financial Corp.
    14 5 0
  • Is BFH or COF More Risky?

    Bread Financial Holdings, Inc. has a beta of 1.277, which suggesting that the stock is 27.656% more volatile than S&P 500. In comparison Capital One Financial Corp. has a beta of 1.131, suggesting its more volatile than the S&P 500 by 13.109%.

  • Which is a Better Dividend Stock BFH or COF?

    Bread Financial Holdings, Inc. has a quarterly dividend of $0.23 per share corresponding to a yield of 1.07%. Capital One Financial Corp. offers a yield of 1.04% to investors and pays a quarterly dividend of $0.80 per share. Bread Financial Holdings, Inc. pays 15.28% of its earnings as a dividend. Capital One Financial Corp. pays out 20.71% 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, Inc. quarterly revenues are $1.2B, which are smaller than Capital One Financial Corp. quarterly revenues of $19.7B. Bread Financial Holdings, Inc.'s net income of $188M is lower than Capital One Financial Corp.'s net income of $3.2B. Notably, Bread Financial Holdings, Inc.'s price-to-earnings ratio is 8.18x while Capital One Financial Corp.'s PE ratio is 105.69x. 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, Inc. is 0.84x versus 1.90x for Capital One Financial Corp.. 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, Inc.
    0.84x 8.18x $1.2B $188M
    COF
    Capital One Financial Corp.
    1.90x 105.69x $19.7B $3.2B
  • Which has Higher Returns BFH or SLM?

    SLM Corp. has a net margin of 15.92% compared to Bread Financial Holdings, Inc.'s net margin of 16.25%. Bread Financial Holdings, Inc.'s return on equity of 15.15% beat SLM Corp.'s return on equity of 27.31%.

    Company Gross Margin Earnings Per Share Invested Capital
    BFH
    Bread Financial Holdings, Inc.
    -- $3.96 $7.1B
    SLM
    SLM Corp.
    75.07% $0.63 $9.2B
  • What do Analysts Say About BFH or SLM?

    Bread Financial Holdings, Inc. has a consensus price target of $78.87, signalling downside risk potential of -1.86%. On the other hand SLM Corp. has an analysts' consensus of $31.82 which suggests that it could grow by 15.24%. Given that SLM Corp. has higher upside potential than Bread Financial Holdings, Inc., analysts believe SLM Corp. is more attractive than Bread Financial Holdings, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    BFH
    Bread Financial Holdings, Inc.
    5 7 1
    SLM
    SLM Corp.
    5 3 1
  • Is BFH or SLM More Risky?

    Bread Financial Holdings, Inc. has a beta of 1.277, which suggesting that the stock is 27.656% more volatile than S&P 500. In comparison SLM Corp. has a beta of 1.121, suggesting its more volatile than the S&P 500 by 12.081%.

  • Which is a Better Dividend Stock BFH or SLM?

    Bread Financial Holdings, Inc. has a quarterly dividend of $0.23 per share corresponding to a yield of 1.07%. SLM Corp. offers a yield of 1.88% to investors and pays a quarterly dividend of $0.13 per share. Bread Financial Holdings, Inc. pays 15.28% of its earnings as a dividend. SLM Corp. pays out 17.15% 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 SLM?

    Bread Financial Holdings, Inc. quarterly revenues are $1.2B, which are larger than SLM Corp. quarterly revenues of $836.1M. Bread Financial Holdings, Inc.'s net income of $188M is higher than SLM Corp.'s net income of $135.9M. Notably, Bread Financial Holdings, Inc.'s price-to-earnings ratio is 8.18x while SLM Corp.'s PE ratio is 9.73x. 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, Inc. is 0.84x versus 1.91x for SLM Corp.. 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, Inc.
    0.84x 8.18x $1.2B $188M
    SLM
    SLM Corp.
    1.91x 9.73x $836.1M $135.9M
  • Which has Higher Returns BFH or SYF?

    Synchrony Financial has a net margin of 15.92% compared to Bread Financial Holdings, Inc.'s net margin of 22.28%. Bread Financial Holdings, Inc.'s return on equity of 15.15% beat Synchrony Financial's return on equity of 21.5%.

    Company Gross Margin Earnings Per Share Invested Capital
    BFH
    Bread Financial Holdings, Inc.
    -- $3.96 $7.1B
    SYF
    Synchrony Financial
    81.34% $2.86 $31.5B
  • What do Analysts Say About BFH or SYF?

    Bread Financial Holdings, Inc. has a consensus price target of $78.87, signalling downside risk potential of -1.86%. On the other hand Synchrony Financial has an analysts' consensus of $89.87 which suggests that it could grow by 3.43%. Given that Synchrony Financial has higher upside potential than Bread Financial Holdings, Inc., analysts believe Synchrony Financial is more attractive than Bread Financial Holdings, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    BFH
    Bread Financial Holdings, Inc.
    5 7 1
    SYF
    Synchrony Financial
    11 8 0
  • Is BFH or SYF More Risky?

    Bread Financial Holdings, Inc. has a beta of 1.277, which suggesting that the stock is 27.656% more volatile than S&P 500. In comparison Synchrony Financial has a beta of 1.435, suggesting its more volatile than the S&P 500 by 43.489%.

  • Which is a Better Dividend Stock BFH or SYF?

    Bread Financial Holdings, Inc. has a quarterly dividend of $0.23 per share corresponding to a yield of 1.07%. Synchrony Financial offers a yield of 1.32% to investors and pays a quarterly dividend of $0.30 per share. Bread Financial Holdings, Inc. pays 15.28% of its earnings as a dividend. Synchrony Financial pays out 11.69% 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, Inc. quarterly revenues are $1.2B, which are smaller than Synchrony Financial quarterly revenues of $4.8B. Bread Financial Holdings, Inc.'s net income of $188M is lower than Synchrony Financial's net income of $1.1B. Notably, Bread Financial Holdings, Inc.'s price-to-earnings ratio is 8.18x while Synchrony Financial's PE ratio is 9.50x. 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, Inc. is 0.84x versus 1.73x 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, Inc.
    0.84x 8.18x $1.2B $188M
    SYF
    Synchrony Financial
    1.73x 9.50x $4.8B $1.1B

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