Bread Financial Holdings Future Growth

Future criteria checks 1/6

Bread Financial Holdings's earnings are forecast to decline at 1% per annum while its annual revenue is expected to grow at 11.8% per year. EPS is expected to decline by 2% per annum. Return on equity is forecast to be 10.8% in 3 years.

Key information

-1.0%

Earnings growth rate

-2.0%

EPS growth rate

Consumer Finance earnings growth	12.5%
Revenue growth rate	11.8%
Future return on equity	10.8%
Analyst coverage	Good
Last updated	02 May 2024

Recent future growth updates

Recent updates

Consumer Spending Remains Strong, Sticking With Bread Financial

Feb 14

Bread Financial Holdings (NYSE:BFH) Is Paying Out A Dividend Of $0.21

Jan 28

There's No Escaping Bread Financial Holdings, Inc.'s (NYSE:BFH) Muted Earnings Despite A 28% Share Price Rise

Dec 22

Bread Financial: A Spooky Macro, But A Continued Strong Valuation With A Better Chart

Sep 08

Bread Financial Holdings (NYSE:BFH) Will Pay A Dividend Of $0.21

Jul 30

Bread Financial Holdings: Weathering The Storm

Jun 21

Bread Financial delinquency rate climbs closer to pre-pandemic levels

Feb 14

Bread Financial Holdings (NYSE:BFH) Is Due To Pay A Dividend Of $0.21

Jan 29

Bread: Sustaining Growth Remains Uncertain, But Stability Assured

Jan 25

Bread Financial's credit card metrics hold steady in November

Dec 15

Bread Financial net charge-off rate jumps in October, delinquencies edge down

Nov 15

Bread Financial Holdings Q3 2022 Earnings Preview

Oct 26

Bread Financial August delinquency rate, net charge offs rise M/M, Y/Y

Sep 15

Bread Financial Holdings (NYSE:BFH) Will Pay A Dividend Of $0.21

Aug 01

Bread Financial, AAA sign multi-year agreement for delivering credit card program

Jul 28

Bread Financial Holdings' (NYSE:BFH) Dividend Will Be US$0.21

May 01

Alliance Data Systems (NYSE:ADS) Has Re-Affirmed Its Dividend Of US$0.21

Feb 05

Alliance Data Systems (NYSE:ADS) Has A Somewhat Strained Balance Sheet

Feb 05

Alliance Data Systems: M&A And New Enhanced Digital Suite Justify Upside Potential In The Stock Price

Jan 23

Earnings and Revenue Growth Forecasts

NYSE: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	3,982	432	213	1,057	4
12/31/2025	3,859	315	13	930	11
12/31/2024	3,745	196	-82	948	11
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	1,799	1,867	N/A
6/30/2023	2,815	519	1,778	1,846	N/A
3/31/2023	2,686	468	1,681	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	2,691	2,898	N/A
3/31/2018	5,493	822	2,553	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
9/30/2013	3,514	462	N/A	1,071	N/A
6/30/2013	3,338	449	N/A	1,247	N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: BFH's earnings are forecast to decline over the next 3 years (-1% per year).

Earnings vs Market: BFH's earnings are forecast to decline over the next 3 years (-1% per year).

High Growth Earnings: BFH's earnings are forecast to decline over the next 3 years.

Revenue vs Market: BFH's revenue (11.8% per year) is forecast to grow faster than the US market (8.2% per year).

High Growth Revenue: BFH's revenue (11.8% 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 1/6

Key information

Recent future growth updates

Consensus EPS estimates fall by 11%

Consensus EPS estimates fall by 10%

Price target decreased by 7.2% to US$38.91

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

Price target increased by 9.8% to US$43.73

Price target decreased by 8.3% to US$38.58

Recent updates

First quarter dividend of US$0.21 announced

Consensus EPS estimates fall by 11%

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

Consensus EPS estimates fall by 10%

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.

Consumer Spending Remains Strong, Sticking With Bread Financial

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

Bread Financial Holdings (NYSE:BFH) Is Paying Out A Dividend Of $0.21

Fourth quarter dividend of US$0.21 announced

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

There's No Escaping Bread Financial Holdings, Inc.'s (NYSE:BFH) Muted Earnings Despite A 28% Share Price Rise

Bread Financial: Dirt Cheap With Some Caveats

Upcoming dividend of US$0.21 per share at 2.9% yield

Bread Financial Holdings' (NYSE:BFH) Dividend Will Be $0.21

Price target decreased by 7.2% to US$38.91

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

Here's Why We Think Bread Financial Holdings (NYSE:BFH) Is Well Worth Watching

Bread Financial: A Spooky Macro, But A Continued Strong Valuation With A Better Chart

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

Upcoming dividend of US$0.21 per share at 2.1% yield

Bread Financial Holdings (NYSE:BFH) Will Pay A Dividend Of $0.21

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

Price target increased by 9.8% to US$43.73

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

Investor sentiment improves as stock rises 16%

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

Insufficient new directors

Bread Financial Holdings: Weathering The Storm

Investor sentiment improves as stock rises 16%

Price target decreased by 8.3% to US$38.58

Upcoming dividend of US$0.21 per share at 3.4% yield

Consensus EPS estimates increase by 23%

Price target decreased by 8.0% to US$42.08

Price target decreased by 10% to US$48.17

Investor sentiment deteriorates as stock falls 17%

Bread Financial delinquency rate climbs closer to pre-pandemic levels

Price target increased by 10% to US$53.54

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

Bread Financial Holdings (NYSE:BFH) Is Due To Pay A Dividend Of $0.21

Consensus EPS estimates fall by 10%

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

Investor sentiment improves as stock rises 18%

Bread: Sustaining Growth Remains Uncertain, But Stability Assured

Bread Financial's credit card metrics hold steady in November

Bread Financial net charge-off rate jumps in October, delinquencies edge down

Investor sentiment improved over the past week

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

Investor sentiment improved over the past week

Bread Financial Holdings Q3 2022 Earnings Preview

Price target decreased to US$55.18

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

Bread Financial August delinquency rate, net charge offs rise M/M, Y/Y

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

Investor sentiment improved over the past week

Independent Director recently bought US$193k worth of stock

Upcoming dividend of US$0.21 per share

Bread Financial Holdings (NYSE:BFH) Will Pay A Dividend Of $0.21

High number of new directors

Consensus forecasts updated

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

Bread Financial, AAA sign multi-year agreement for delivering credit card program

Investor sentiment improved over the past week

Price target decreased to US$67.14

Investor sentiment deteriorated over the past week