Bread Financial Holdings (BFH) Panoramica del titolo
Bread Financial Holdings, Inc. fornisce soluzioni di pagamento e di prestito tecnologicamente avanzate a clienti e industrie di consumo in Nord America. Maggiori dettagli
| Punteggio fiocco di neve | |
|---|---|
| Valutazione | 5/6 |
| Crescita futura | 0/6 |
| Prestazioni passate | 4/6 |
| Salute finanziaria | 5/6 |
| Dividendi | 2/6 |
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Analisi del rischio
BFH Community Fair Values
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Analyst Price Targets
Top Community Narratives
Bread Financial Holdings
114.8% sopravvalutato sconto intrinseco
Highly profitable bank. Overvaluated / Hold.
View narrativeRO
Published 20 Aug 2024
Concorrenti di Bread Financial Holdings, Inc.
Storia dei prezzi e prestazioni
| Prezzi storici delle azioni | |
|---|---|
| Prezzo attuale dell'azione | US$107.40 |
| Massimo di 52 settimane | US$114.53 |
| Minimo di 52 settimane | US$53.83 |
| Beta | 1.13 |
| Variazione di 1 mese | -0.93% |
| Variazione a 3 mesi | 5.68% |
| Variazione di 1 anno | 67.63% |
| Variazione a 3 anni | 207.38% |
| Variazione a 5 anni | 10.73% |
| Variazione dall'IPO | 667.14% |
Notizie e aggiornamenti recenti
Aggiornamento narrativa • Aug 19
BFH: Improving Credit And Loan Trends Will Test Fair Value Expectations
The analyst price target for Bread Financial Holdings has been raised by about $4 to $114.47. Analysts are factoring in slightly higher modeled revenue growth, a modestly lower discount rate, and a reduced future P/E multiple supported by recent research that highlights stronger loan growth, improving credit trends, and solid recent earnings reports.Seeking Alpha • Aug 11
Bread Financial: 8.6% Yield Opportunity On Series A Preferred Shares
Summary Bread Financial offers compelling income opportunities through its Series A preferred shares, currently yielding 8.6%. BFH's robust net interest margin of 18.5% and high asset yields are supported by strong deposit and loan growth. Deposit growth outpaces loans, reducing reliance on external financing and improving the loan-to-deposit ratio to 111%. Given the common stock's sharp rally, I favor BFH.PA preferreds for stable income amid flat net interest income. Read the full article on Seeking Alpha
Aggiornamento narrativa • Aug 05
BFH: Improving Credit Trends May Not Offset Rising Execution Risk
The analyst price target for Bread Financial Holdings has been revised higher to $88.50 from $70.81, as analysts point to stronger Q2 earnings, improving credit trends, accelerating loan growth, and updated guidance as key supports for the stock's valuation. Analyst Commentary Recent research on Bread Financial Holdings has turned more constructive overall, with multiple firms lifting their price targets following Q2 results and updated guidance.Recent updates
Aggiornamento narrativa • Aug 19
BFH: Improving Credit And Loan Trends Will Test Fair Value Expectations
The analyst price target for Bread Financial Holdings has been raised by about $4 to $114.47. Analysts are factoring in slightly higher modeled revenue growth, a modestly lower discount rate, and a reduced future P/E multiple supported by recent research that highlights stronger loan growth, improving credit trends, and solid recent earnings reports.Seeking Alpha • Aug 11
Bread Financial: 8.6% Yield Opportunity On Series A Preferred Shares
Summary Bread Financial offers compelling income opportunities through its Series A preferred shares, currently yielding 8.6%. BFH's robust net interest margin of 18.5% and high asset yields are supported by strong deposit and loan growth. Deposit growth outpaces loans, reducing reliance on external financing and improving the loan-to-deposit ratio to 111%. Given the common stock's sharp rally, I favor BFH.PA preferreds for stable income amid flat net interest income. Read the full article on Seeking AlphaAggiornamento narrativa • Aug 05
BFH: Improving Credit Trends May Not Offset Rising Execution Risk
The analyst price target for Bread Financial Holdings has been revised higher to $88.50 from $70.81, as analysts point to stronger Q2 earnings, improving credit trends, accelerating loan growth, and updated guidance as key supports for the stock's valuation. Analyst Commentary Recent research on Bread Financial Holdings has turned more constructive overall, with multiple firms lifting their price targets following Q2 results and updated guidance.Aggiornamento narrativa • Jul 22
BFH: Credit Trends And Loan Growth Will Face Q2 Execution Test
Analysts have raised the fair value estimate for Bread Financial Holdings to $110.00 from $105.75. The change reflects Street research that generally points to better credit trends, improving loan growth, and updated earnings expectations that support a slightly higher long-term valuation multiple, despite a modestly higher discount rate.Aggiornamento narrativa • Jul 08
BFH: Improving Credit Trends And Loan Growth Are Expected To Support Steady Upside
The analyst price target for Bread Financial Holdings has been raised from $96.19 to $105.75, with analysts citing better credit performance, improving loan growth, and updated earnings assumptions reflected in slightly higher revenue growth, profit margin, and future P/E inputs. Analyst Commentary Recent research on Bread Financial Holdings points to a cluster of higher price targets and rating changes, giving you a clearer picture of how Wall Street is sizing up the stock on credit quality, loan growth, and earnings power.Articolo di analisi • Jun 20
Bread Financial Holdings (BFH) Stock Could Be 6.5% Overvalued After Analyst Upgrade
Bread Financial Holdings (BFH) has drawn fresh attention after an upgrade to a top analyst rating, supported by more optimistic earnings estimates, stronger institutional participation, and reinforcing signals from several technical indicators. See our latest analysis for Bread Financial Holdings. The recent upgrade comes after a strong run in Bread Financial Holdings' share price, with a 30-day share price return of 19.39% and a 90-day share price return of 37.24%. The 1-year total...Aggiornamento narrativa • Jun 17
BFH: Improving Credit Trends May Not Sustain Enthusiasm For Larger Share Repurchases
Bread Financial Holdings' analyst price target has been nudged higher by $0.18 as analysts point to recent price target increases across the Street and supportive commentary around improving credit trends, loan growth, and management's constructive May card data update. Analyst Commentary Recent research updates on Bread Financial Holdings highlight a mix of optimism around credit trends and loan growth, alongside pockets of caution on execution and the durability of the current improvement.Aggiornamento narrativa • Jun 03
BFH: Capital Returns And Auto Partnership Are Expected To Support Steady Upside
The analyst price target for Bread Financial Holdings has been revised higher to $96.19 from $95.67 as analysts factor in slightly lower discount rates, modestly higher revenue growth and profit margin forecasts, and a small adjustment to the future P/E assumption, supported by recent research pointing to improving fundamentals and operating leverage. Analyst Commentary Recent Street research on Bread Financial Holdings has centered on how quickly the company can execute on its plan and how much of that progress is already reflected in the stock price.Aggiornamento narrativa • May 19
BFH: Future Credit Normalization Will Test Optimism Around Larger Share Repurchases
Analysts have lifted the Bread Financial Holdings price target by about $3.63 to $70.63, citing adjusted fair value estimates and updated assumptions around the discount rate, profit margin, and future P/E as key drivers of the change. Analyst Commentary Street research on Bread Financial Holdings in recent months has included a mix of higher price targets and more cautious resets, giving you a split picture of how professionals view the stock.Aggiornamento narrativa • May 05
BFH: Capital Returns And New Auto Partnership Will Support Future Upside
Bread Financial Holdings' updated analyst price target rises from $85.53 to $95.67, with analysts citing recent target changes and rating shifts across several firms as support for revisiting upside and risk assumptions. Analyst Commentary Recent Street research on Bread Financial Holdings reflects a mix of optimism and caution as analysts reassess their price targets and ratings.Aggiornamento narrativa • Apr 21
BFH: Credit And Capital Actions Will Support Balanced Risk Reward Outlook
The analyst price target for Bread Financial Holdings has been raised by about $2, as analysts factor in updated assumptions for fair value, discount rate, revenue growth, profit margin, and future P/E following a series of recent target changes across major firms. Analyst Commentary Recent Street research on Bread Financial Holdings shows a mix of price target increases and reductions in quick succession, reflecting active debate around valuation, execution, and growth durability.Aggiornamento narrativa • Apr 07
BFH: Future Credit Normalization Will Challenge Optimism Around Expanded Share Repurchases
The updated analyst price target for Bread Financial moves to $67, reflecting modestly higher revenue growth and a slightly lower discount rate, even as recent Street research shows mixed target changes across firms. Analyst Commentary Recent Street research on Bread Financial highlights a mix of higher and lower price targets, with some firms adjusting their views multiple times over the past few months.Aggiornamento narrativa • Mar 23
BFH: Credit Improvements And Capital Returns Will Support Measured Upside Potential
Narrative Update The analyst price target for Bread Financial Holdings has been adjusted slightly higher to about $83.53 from roughly $83.13, as analysts factor in updated views on revenue growth, profit margins, discount rates, and future P/E multiples following a series of recent upgrades and target increases across the Street. Analyst Commentary Recent research on Bread Financial Holdings has featured a cluster of target increases and rating changes, giving you a clearer picture of how the Street is weighing upside potential against execution and credit risk.Aggiornamento narrativa • Mar 09
BFH: Future Credit Normalization May Overturn Optimism From Expanded Share Repurchases
Analysts have raised their price targets for Bread Financial by a few dollars into the low to mid $80s, citing expectations for steadier credit trends, resilient consumer fundamentals, and incremental loan growth across the specialty finance group. Analyst Commentary Recent Street research on Bread Financial reflects a mix of optimism around credit normalization and capital returns, alongside a clear thread of caution on execution, growth durability, and where the stock is trading relative to perceived risks.Aggiornamento narrativa • Feb 23
BFH: Future Credit Trends May Undermine Recent Share Repurchase Support
The analyst fair value estimate for Bread Financial has been updated from $51.00 to $64.00. Analysts attribute this change to recent price target increases, an improved profit margin outlook, and expectations for steadier credit trends in consumer finance as key drivers of the shift.Aggiornamento narrativa • Feb 09
BFH: Credit And Capital Improvements Set Stage For Measured Future Upside
Analysts have modestly lifted their fair value estimate for Bread Financial Holdings from about $80 to about $83, citing updated sector outlooks, recent price target increases across multiple firms, and expectations for stable fundamentals alongside improving credit metrics. Analyst Commentary Recent Street research on Bread Financial Holdings shows a mix of optimism around credit trends and capital structure, balanced by ongoing caution on the business model and sector risks.Aggiornamento narrativa • Jan 25
BFH: Credit Execution And Capital Returns Will Drive Future Upside Potential
Analysts have nudged their price expectations for Bread Financial higher, with the fair value estimate moving from about US$78.87 to roughly US$80.07, citing recent target increases across the Street that reflect steady views on credit quality, loan growth, and the broader specialty finance outlook. Analyst Commentary Recent research on Bread Financial points to a mix of optimism and caution, with price targets generally reset higher but ratings spread across the spectrum from Underweight to Neutral and Hold.Aggiornamento narrativa • Jan 11
BFH: Credit And Capital Actions Will Support Balanced But Cautious Outlook
Analysts have raised their implied fair value estimate for Bread Financial to about $78.87 from $71.14, reflecting higher published price targets across the Street as they factor in sector level adjustments in specialty finance, a slightly higher assumed future P/E multiple near 10.8x, and modest tweaks to discount rate, revenue growth, and profit margin inputs. Analyst Commentary Recent research updates around Bread Financial point to a mixed but generally constructive reset of expectations, with multiple firms revising price targets and reassessing risk and reward across the specialty finance space.Aggiornamento narrativa • Dec 15
BFH: Credit Improvements Will Support Resilient Earnings Amid Persistent Consumer And Macro Risks
Analysts have nudged their average price target for Bread Financial Holdings higher to approximately $71.14 from about $70.20, citing improving credit trends, modest reserve releases, and a more stable outlook that support slightly stronger profitability and valuation assumptions. Analyst Commentary Analyst reactions following the latest quarterly results point to a more balanced but still risk aware stance on Bread Financial, with incremental optimism on credit quality offset by persistent concerns around the more vulnerable ends of its customer base.Aggiornamento narrativa • Nov 28
BFH: Future Credit Performance Will Remain Resilient Amid Consumer and Macro Risks
The analyst price target for Bread Financial Holdings has increased, with estimates rising from $64 to $70 per share. Analysts cite improving credit trends and stable quarterly performance as key reasons for their updated outlook.Aggiornamento narrativa • Nov 13
BFH: Improving Credit Trends Will Drive Further Stability In 2024
Bread Financial Holdings received an updated analyst price target, rising by $6 to $70. Analysts cite stable outlooks and improving credit trends following the company’s recent earnings results.Aggiornamento narrativa • Oct 30
BFH: Improving Credit Trends And Dividend Hike Will Drive Shareholder Value
Bread Financial Holdings has seen its analyst price target increase from $67.33 to $70.20. Analysts point to improved credit trends and a stable earnings outlook as supporting factors for the upward revision.Aggiornamento narrativa • Oct 13
Technology Modernization And Digital Expansion Will Secure Future Resilience
Bread Financial Holdings' analyst price target has been revised downward from approximately $69.40 to $67.33. This reflects analysts' cautious view on slightly weaker near-term growth, balanced by improving credit and capital positions in the sector.Articolo di analisi • Aug 04
Bread Financial Holdings (NYSE:BFH) Has Announced A Dividend Of $0.21
Bread Financial Holdings, Inc. ( NYSE:BFH ) will pay a dividend of $0.21 on the 12th of September. This means the...Articolo di analisi • Apr 27
Bread Financial Holdings (NYSE:BFH) Has Announced A Dividend Of $0.21
The board of Bread Financial Holdings, Inc. ( NYSE:BFH ) has announced that it will pay a dividend on the 13th of June...Articolo di analisi • Feb 02
Bread Financial Holdings' (NYSE:BFH) Dividend Will Be $0.21
The board of Bread Financial Holdings, Inc. ( NYSE:BFH ) has announced that it will pay a dividend of $0.21 per share...Seeking Alpha • Nov 11
Bread Financial Holdings: TBV Has Nearly Tripled, Trading At Nearly 57% Discount To Peers
Summary Bread Financial Holdings, formerly Alliance Data Systems, partners with retailers to offer credit cards and buy now/pay later products, focusing on small-to-medium businesses for growth. Despite near-term headwinds, Bread targets mid-to-high single-digit loan growth and ROTCE in the mid-to-high 20% range, with a strong capital position. Management has significantly reduced debt, increased CET1 ratio, and grown DTC deposits, aiming for 50% of total funding to lower capital costs. Future capital allocation focuses on debt management, core business investment, and potential shareholder returns through buybacks or dividends, currently yielding ~1.7%. Read the full article on Seeking AlphaArticolo di analisi • Oct 27
Bread Financial Holdings (NYSE:BFH) Has Announced A Dividend Of $0.21
The board of Bread Financial Holdings, Inc. ( NYSE:BFH ) has announced that it will pay a dividend of $0.21 per share...
Nuova narrativa • Sep 24
CFPB Regulations And Economic Pressures Darken Revenue Prospects For Company Financial
Regulatory challenges and economic pressures are leading to changes in pricing, fee structures, and credit policies, potentially reducing consumer borrowing and spending.Seeking Alpha • Aug 22
Bread Financial: Still Bullish Via Put Option Sales
Summary Bread Financial, a consumer lender, saw a 30% rally in shares since May. Second quarter results showed a decline in net interest income due to weak loan demand, but the company has a strong cash balance. Instead of buying shares, consider selling cash secured puts with a $50 strike price to earn income and potentially buy shares at a lower price. Read the full article on Seeking AlphaArticolo di analisi • Jul 28
Bread Financial Holdings (NYSE:BFH) Has Affirmed Its Dividend Of $0.21
Bread Financial Holdings, Inc. ( NYSE:BFH ) will pay a dividend of $0.21 on the 13th of September. Including this...Seeking Alpha • May 28
Bread Financial: Upside Potential Beyond 52 Week High
Summary Bread Financial specializes in consumer loans and has experienced a strong appreciation in share price. The bank's first-quarter earnings performance showed a decline in net interest income but the lender managed to control expenses. Despite potential risks such as delinquencies and losses, analysts project Bread Financial's earnings to rise in the future. Read the full article on Seeking AlphaRendimenti per gli azionisti
| BFH | US Consumer Finance | US Mercato | |
|---|---|---|---|
| 7D | 0.9% | -2.1% | -0.2% |
| 1Y | 67.6% | -3.0% | 14.8% |
Ritorno vs Industria: BFH ha superato il US Consumer Finance che ha restituito -3 % nell'ultimo anno.
Rendimento vs Mercato: BFH ha superato il mercato US che ha restituito 14.8 % nell'ultimo anno.
Volatilità dei prezzi
| BFH volatility | |
|---|---|
| BFH Average Weekly Movement | 4.8% |
| Consumer Finance Industry Average Movement | 7.1% |
| Market Average Movement | 6.9% |
| 10% most volatile stocks in US Market | 15.5% |
| 10% least volatile stocks in US Market | 2.9% |
Prezzo delle azioni stabile: BFH non ha avuto una volatilità dei prezzi significativa negli ultimi 3 mesi rispetto al mercato US.
Volatilità nel tempo: La volatilità settimanale ( 5% ) di BFH è rimasta stabile nell'ultimo anno.
Informazioni sull'azienda
| Fondato | I dipendenti | AMMINISTRATORE DELEGATO | Sito web |
|---|---|---|---|
| 1995 | 6,000 | Ralph Andretta | www.breadfinancial.com |
Bread Financial Holdings, Inc. fornisce soluzioni di pagamento e di prestito tecnologicamente avanzate a clienti e industrie basate sul consumo in Nord America. Offre servizi di finanziamento per carte di credito e altri prestiti, tra cui soluzioni di gestione del rischio, sottoscrizione e servizi di finanziamento per programmi di carte di credito private label e co-brand, nonché attraverso le partnership di Bread Pay. L'azienda gestisce e assiste anche i prestiti da essa originati per programmi di carte di credito private label, co-brand e generici, nonché per prestiti rateali e prodotti split-pay; fornisce inoltre servizi di marketing, dati e analisi.
Bread Financial Holdings, Inc. Riepilogo dei fondamenti
| BFH statistiche fondamentali | |
|---|---|
| Capitalizzazione di mercato | US$4.16b |
| Utili (TTM) | US$565.00m |
| Ricavi(TTM) | US$2.67b |
7.3x
Rapporto P/E1.5x
Rapporto P/SBFH è sopravvalutato?
Vedi Fair Value e analisi di valutazioneUtili e ricavi
| BFH Conto economico (TTM) | |
|---|---|
| Ricavi | US$2.67b |
| Costo del fatturato | US$0 |
| Profitto lordo | US$2.67b |
| Altre spese | US$2.10b |
| Utili | US$565.00m |
Ultimi utili riportati
Jun 30, 2026
Prossima data di guadagno
n/a
| Utile per azione (EPS) | 14.71 |
| Margine lordo | 100.00% |
| Margine di profitto netto | 21.18% |
| Rapporto debito/patrimonio netto | 97.6% |
Come si è comportato BFH nel lungo periodo?
Vedi performance storica e confrontoDividendi
0.9%
Rendimento attuale del dividendo7%
Rapporto di remunerazioneBFH paga dividendi affidabili?
Vedere la storia dei dividendi e i benchmark di BFH| Bread Financial Holdings date dei dividendi | |
|---|---|
| Data di stacco del dividendo | Aug 31 2026 |
| Data di pagamento dei dividendi | Sep 15 2026 |
| Giorni fino al dividendo Ex | 11 days |
| Giorni prima della data di pagamento dei dividendi | 4 days |
BFH paga dividendi affidabili?
Vedere la storia dei dividendi e i benchmark di BFHAnalisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/09/09 12:42 |
| Prezzo dell'azione a fine giornata | 2026/09/09 00:00 |
| Utili | 2026/06/30 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
|
|
| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
| |
| Sviluppi principali | 10 anni |
|
* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina GitHub; abbiamo anche delle guide su come utilizzare i nostri report e dei tutorial su YouTube.
Scoprite il che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
Bread Financial Holdings, Inc. è coperta da 42 analisti. 14 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| Jeffrey Meuler | Baird |
| Darrin Peller | Barclays |
| Terry Ma | Barclays |