Financhill
Buy
80

BFH Quote, Financials, Valuation and Earnings

Last price:
$72.01
Seasonality move :
0.04%
Day range:
$69.31 - $71.66
52-week range:
$38.21 - $71.66
Dividend yield:
1.21%
P/E ratio:
7.25x
P/S ratio:
0.74x
P/B ratio:
0.98x
Volume:
711.7K
Avg. volume:
796K
1-year change:
16.5%
Market cap:
$3.2B
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.
$967.2M $2.11 -17.17% 101.35% $70.20
AXP
American Express Co.
$18B $3.98 -1.67% 17.7% $351.87
CACC
Credit Acceptance Corp.
$592.8M $9.45 2.96% -19.67% $458.00
COF
Capital One Financial Corp.
$15.1B $4.36 17.21% 56.28% $260.24
SLM
SLM Corp.
$382.7M $0.81 -44.85% 75.27% $34.73
UPST
Upstart Holdings, Inc.
$279.6M $0.42 31.8% -98.3% $55.38
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
BFH
Bread Financial Holdings, Inc.
$71.24 $70.20 $3.2B 7.25x $0.23 1.21% 0.74x
AXP
American Express Co.
$368.13 $351.87 $253.6B 24.72x $0.82 0.86% 3.27x
CACC
Credit Acceptance Corp.
$474.41 $458.00 $5.2B 12.56x $0.00 0% 2.47x
COF
Capital One Financial Corp.
$227.24 $260.24 $144.5B 96.37x $0.80 1.14% 1.73x
SLM
SLM Corp.
$30.10 $34.73 $6.1B 10.61x $0.13 1.73% 2.08x
UPST
Upstart Holdings, Inc.
$45.30 $55.38 $4.4B 198.95x $0.00 0% 4.67x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
BFH
Bread Financial Holdings, Inc.
53.31% 1.278 147.62% 0.00x
AXP
American Express Co.
64.63% 1.667 25.88% 3.39x
CACC
Credit Acceptance Corp.
80.14% 0.027 123.54% 1.02x
COF
Capital One Financial Corp.
31.15% 1.561 38.09% 0.00x
SLM
SLM Corp.
74.5% 0.155 116.48% --
UPST
Upstart Holdings, Inc.
72.41% 2.956 39.49% 4.50x
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
UPST
Upstart Holdings, Inc.
$271M $23.7M 1.48% 4.78% 8.54% -$126.6M

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 $70.20, signalling downside risk potential of -1.46%. On the other hand American Express Co. has an analysts' consensus of $351.87 which suggests that it could fall by -4.42%. Given that American Express Co. has more downside risk than Bread Financial Holdings, Inc., analysts believe Bread Financial Holdings, Inc. is more attractive than American Express Co..

    Company Buy Ratings Hold Ratings Sell Ratings
    BFH
    Bread Financial Holdings, Inc.
    5 7 2
    AXP
    American Express Co.
    7 17 1
  • Is BFH or AXP More Risky?

    Bread Financial Holdings, Inc. has a beta of 1.279, which suggesting that the stock is 27.891% more volatile than S&P 500. In comparison American Express Co. has a beta of 1.141, suggesting its more volatile than the S&P 500 by 14.096%.

  • 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 1.21%. American Express Co. offers a yield of 0.86% 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 7.25x while American Express Co.'s PE ratio is 24.72x. 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 0.74x versus 3.27x 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.
    0.74x 7.25x $1.2B $188M
    AXP
    American Express Co.
    3.27x 24.72x $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 $70.20, signalling downside risk potential of -1.46%. On the other hand Credit Acceptance Corp. has an analysts' consensus of $458.00 which suggests that it could fall by -3.46%. 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 2
    CACC
    Credit Acceptance Corp.
    0 3 1
  • Is BFH or CACC More Risky?

    Bread Financial Holdings, Inc. has a beta of 1.279, which suggesting that the stock is 27.891% more volatile than S&P 500. In comparison Credit Acceptance Corp. has a beta of 1.262, suggesting its more volatile than the S&P 500 by 26.171%.

  • 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 1.21%. 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 7.25x while Credit Acceptance Corp.'s PE ratio is 12.56x. 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 0.74x versus 2.47x 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.
    0.74x 7.25x $1.2B $188M
    CACC
    Credit Acceptance Corp.
    2.47x 12.56x $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 $70.20, signalling downside risk potential of -1.46%. On the other hand Capital One Financial Corp. has an analysts' consensus of $260.24 which suggests that it could grow by 14.52%. 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 2
    COF
    Capital One Financial Corp.
    14 6 0
  • Is BFH or COF More Risky?

    Bread Financial Holdings, Inc. has a beta of 1.279, which suggesting that the stock is 27.891% more volatile than S&P 500. In comparison Capital One Financial Corp. has a beta of 1.165, suggesting its more volatile than the S&P 500 by 16.547%.

  • 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 1.21%. Capital One Financial Corp. offers a yield of 1.14% 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 7.25x while Capital One Financial Corp.'s PE ratio is 96.37x. 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 0.74x versus 1.73x 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.
    0.74x 7.25x $1.2B $188M
    COF
    Capital One Financial Corp.
    1.73x 96.37x $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 $70.20, signalling downside risk potential of -1.46%. On the other hand SLM Corp. has an analysts' consensus of $34.73 which suggests that it could grow by 15.37%. 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 2
    SLM
    SLM Corp.
    6 2 0
  • Is BFH or SLM More Risky?

    Bread Financial Holdings, Inc. has a beta of 1.279, which suggesting that the stock is 27.891% more volatile than S&P 500. In comparison SLM Corp. has a beta of 1.140, suggesting its more volatile than the S&P 500 by 13.996%.

  • 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 1.21%. SLM Corp. offers a yield of 1.73% 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 7.25x while SLM Corp.'s PE ratio is 10.61x. 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 0.74x versus 2.08x 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.
    0.74x 7.25x $1.2B $188M
    SLM
    SLM Corp.
    2.08x 10.61x $836.1M $135.9M
  • Which has Higher Returns BFH or UPST?

    Upstart Holdings, Inc. has a net margin of 15.92% compared to Bread Financial Holdings, Inc.'s net margin of 11.48%. Bread Financial Holdings, Inc.'s return on equity of 15.15% beat Upstart Holdings, Inc.'s return on equity of 4.78%.

    Company Gross Margin Earnings Per Share Invested Capital
    BFH
    Bread Financial Holdings, Inc.
    -- $3.96 $7.1B
    UPST
    Upstart Holdings, Inc.
    97.79% $0.23 $2.7B
  • What do Analysts Say About BFH or UPST?

    Bread Financial Holdings, Inc. has a consensus price target of $70.20, signalling downside risk potential of -1.46%. On the other hand Upstart Holdings, Inc. has an analysts' consensus of $55.38 which suggests that it could grow by 22.26%. Given that Upstart Holdings, Inc. has higher upside potential than Bread Financial Holdings, Inc., analysts believe Upstart Holdings, Inc. is more attractive than Bread Financial Holdings, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    BFH
    Bread Financial Holdings, Inc.
    5 7 2
    UPST
    Upstart Holdings, Inc.
    4 6 2
  • Is BFH or UPST More Risky?

    Bread Financial Holdings, Inc. has a beta of 1.279, which suggesting that the stock is 27.891% more volatile than S&P 500. In comparison Upstart Holdings, Inc. has a beta of 0.000, suggesting its less volatile than the S&P 500 by 100%.

  • Which is a Better Dividend Stock BFH or UPST?

    Bread Financial Holdings, Inc. has a quarterly dividend of $0.23 per share corresponding to a yield of 1.21%. Upstart Holdings, Inc. 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. Upstart Holdings, Inc. 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 UPST?

    Bread Financial Holdings, Inc. quarterly revenues are $1.2B, which are larger than Upstart Holdings, Inc. quarterly revenues of $277.1M. Bread Financial Holdings, Inc.'s net income of $188M is higher than Upstart Holdings, Inc.'s net income of $31.8M. Notably, Bread Financial Holdings, Inc.'s price-to-earnings ratio is 7.25x while Upstart Holdings, Inc.'s PE ratio is 198.95x. 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 0.74x versus 4.67x for Upstart Holdings, Inc.. 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.
    0.74x 7.25x $1.2B $188M
    UPST
    Upstart Holdings, Inc.
    4.67x 198.95x $277.1M $31.8M

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