Bread Financial Holdings Future Growth

Future criteria checks 2/6

Bread Financial Holdings is forecast to grow earnings and revenue by 9.5% and 12% per annum respectively. EPS is expected to grow by 9.4% per annum. Return on equity is forecast to be 10.8% in 3 years.

Key information

9.5%

Earnings growth rate

9.4%

EPS growth rate

Consumer Finance earnings growth	15.2%
Revenue growth rate	12.0%
Future return on equity	10.8%
Analyst coverage	Good
Last updated	18 Nov 2024

Recent future growth updates

Recent updates

Earnings and Revenue Growth Forecasts

BMV:BFH * - Analysts future estimates and past financials data (USD Millions)
Date	Revenue	Earnings	Free Cash Flow	Cash from Op	Avg. No. Analysts
12/31/2026	4,121	442	451	2,041	13
12/31/2025	3,901	303	410	2,056	14
12/31/2024	3,872	313	212	1,845	14
9/30/2024	2,467	316	1,997	1,997	N/A
6/30/2024	2,579	487	2,170	2,170	N/A
3/31/2024	2,548	417	2,036	2,036	N/A
12/31/2023	3,060	737	1,987	1,987	N/A
9/30/2023	2,867	559	1,867	1,867	N/A
6/30/2023	2,815	519	1,846	1,846	N/A
3/31/2023	2,686	468	1,749	1,749	N/A
12/31/2022	2,232	224	1,848	1,848	N/A
9/30/2022	2,383	418	1,661	1,686	N/A
6/30/2022	2,397	490	1,504	1,553	N/A
3/31/2022	2,687	740	1,451	1,523	N/A
12/31/2021	2,728	797	1,543	1,543	N/A
9/30/2021	2,352	743	1,527	1,602	N/A
6/30/2021	2,390	671	1,486	1,549	N/A
3/31/2021	2,206	446	1,777	1,828	N/A
12/31/2020	2,032	208	1,829	1,883	N/A
9/30/2020	2,861	331	1,115	1,176	N/A
6/30/2020	3,134	319	1,119	1,196	N/A
3/31/2020	3,488	415	1,060	1,179	N/A
12/31/2019	2,862	497	1,076	1,218	N/A
9/30/2019	4,036	687	2,090	2,260	N/A
6/30/2019	4,126	855	2,329	2,523	N/A
3/31/2019	4,130	944	2,522	2,716	N/A
12/31/2018	4,108	946	2,555	2,755	N/A
9/30/2018	4,576	964	2,668	2,866	N/A
6/30/2018	5,049	908	N/A	2,898	N/A
3/31/2018	5,493	822	N/A	2,777	N/A
12/31/2017	3,879	769	N/A	2,599	N/A
9/30/2017	5,818	528	N/A	2,518	N/A
6/30/2017	5,781	502	N/A	2,382	N/A
3/31/2017	5,802	438	N/A	2,306	N/A
12/31/2016	5,769	432	N/A	2,127	N/A
9/30/2016	5,802	566	N/A	2,029	N/A
6/30/2016	5,611	487	N/A	1,897	N/A
3/31/2016	5,458	545	N/A	1,811	N/A
12/31/2015	5,441	552	N/A	1,760	N/A
9/30/2015	5,262	460	N/A	1,407	N/A
6/30/2015	5,070	495	N/A	1,320	N/A
3/31/2015	4,911	502	N/A	1,186	N/A
12/31/2014	4,617	492	N/A	1,344	N/A
9/30/2014	4,289	557	N/A	1,173	N/A
6/30/2014	4,077	526	N/A	1,061	N/A
3/31/2014	3,858	505	N/A	1,058	N/A
12/31/2013	3,668	496	N/A	1,003	N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: BFH *'s forecast earnings growth (9.5% per year) is above the savings rate (8.1%).

Earnings vs Market: BFH *'s earnings (9.5% per year) are forecast to grow slower than the MX market (11.5% per year).

High Growth Earnings: BFH *'s earnings are forecast to grow, but not significantly.

Revenue vs Market: BFH *'s revenue (12% per year) is forecast to grow faster than the MX market (7.2% per year).

High Growth Revenue: BFH *'s revenue (12% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: BFH *'s Return on Equity is forecast to be low in 3 years time (10.8%).

Bread Financial Holdings Future Growth

Future criteria checks 2/6

Key information

Recent future growth updates

Bread Financial Holdings, Inc. Provides Earnings Guidance for the Full Year 2023

Bread Financial Holdings, Inc. Provides Earnings Guidance for the First Half and Full Year of 2023

Bread Financial Holdings, Inc. Provides Earnings Guidance for the Full Year 2022

Recent updates

Bread Financial Holdings, Inc. Declares Dividend on Common Stock, Payable on December 13, 2024

Bread Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock, Payable on September 13, 2024

Praniti Lakhwara Joins the Bread Financial Holdings, Inc.’s Board as an Independent Director

Bread Financial Holdings, Inc. Elects John J. Fawcett as Director

Bread Financial Holdings, Inc. Declares Quarterly Cash Dividend, Payable on June 14, 2024

Bread Financial Holdings, Inc., Annual General Meeting, May 14, 2024

Bread Financial Holdings, Inc., Annual General Meeting, May 14, 2024

Bread Financial Holdings, Inc. (NYSE:BFH) announces an Equity Buyback for $30 million worth of its shares.

Bread Financial Holdings, Inc. (NYSE:BFH) announces an Equity Buyback for $300 million worth of its shares.

Upcoming dividend of US$0.21 per share at 2.3% yield

Fourth quarter dividend of US$0.21 announced

Insufficient new directors

Bread Financial Holdings, Inc. Declares Dividend on Common Stock, Payable on March 15, 2024

Bread Financial™ Announces Appointment of Allegra Driscoll as Executive Vice President and Chief Technology Officer

Bread Financial Holdings, Inc. Declares Dividend on Common Stock, Payable on Dec. 15, 2023

Bread Financial Holdings, Inc. Appoints Joyce St. Clair as Independent Director, Member of the Board's Compensation Human Capital Committee and Risk Committee

Bread Financial Holdings, Inc. Provides Earnings Guidance for the Full Year 2023

Bread Financial Holdings, Inc. (NYSE:BFH) entered into a definitive agreement to acquire Consumer Credit Portfolio of Dell Technologies Inc. (NYSE:DELL).

Bread Financial Holdings, Inc. Appoints Joyce St. Clair as Independent Director and Member of Risk Committee and Compensation & Human Capital Committee

Upcoming dividend of US$0.21 per share at 2.2% yield

Bread Financial Holdings, Inc. Provides Earnings Guidance for the First Half and Full Year of 2023

Upcoming dividend of US$0.21 per share

Bread Financial Holdings, Inc.(NYSE:BFH) dropped from S&P 400 Financials (Sector)

Bread Financial Declares Dividend on Common Stock, Payable on December 16, 2022

Bread Financial Holdings, Inc.(NYSE:BFH) dropped from S&P Software & Services Select Industry Index

Bread Financial Holdings, Inc. Provides Earnings Guidance for the Full Year 2022

Independent Director recently bought Mex$3.9m worth of stock

High number of new directors

Bread Financial Declares Dividend on Common Stock, Payable on September 16, 2022

High number of new directors

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings per Share Growth Forecasts

Future Return on Equity

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