Bread Financial Holdings, Inc.
General ticker "BFH" information:
- Sector: Financials
- Industry: Consumer Finance
- Capitalization: $2.8B (TTM average)
Bread Financial Holdings, Inc. follows the US Stock Market performance with the rate: 71.3%.
Estimated limits based on current volatility of 1.4%: low 69.62$, high 71.65$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-11-07, amount 0.23$ (Y1.28%)
- Total employees count: 6000 as of 2024
- Top business risk factors: Fraud risk, Ineffective risk management, Model inaccuracies, Reputation and brand risks, Transition risks
- Price in estimated range
- Earnings for 9 months up through Q3 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [50.73$, 81.12$]
- 2025-12-31 to 2026-12-31 estimated range: [55.15$, 87.96$]
Financial Metrics affecting the BFH estimates:
- Negative: with PPE of 8.1 at the end of fiscal year the price was very high
- Positive: 7.86 < Operating profit margin, % of 7.94
- Positive: Operating cash flow per share per price, % of 60.47 > 13.24
- Positive: Industry operating cash flow per share per price (median), % of 12.45 > 10.33
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 1.20
- Positive: 0 < Industry earnings per price (median), % of 3.52
- Negative: Shareholder equity ratio, % of 13.33 <= 18.93
- Negative: -0.15 < Industry inventory ratio change (median), % of 0
Short-term BFH quotes
Long-term BFH plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $4,373.00MM | $5,174.00MM | $4,798.00MM |
| Operating Expenses | $4,073.00MM | $4,206.00MM | $4,417.00MM |
| Operating Income | $300.00MM | $968.00MM | $381.00MM |
| Interest Expense | $503.00MM | $879.00MM | $960.00MM |
| Income(Loss) | $300.00MM | $968.00MM | $381.00MM |
| Taxes | $76.00MM | $231.00MM | $102.00MM |
| Other Income(Loss) | $-1.00MM | $-19.00MM | $-2.00MM |
| Profit(Loss)* | $222.00MM | $699.00MM | $275.00MM |
| Stockholders Equity | $2,265.00MM | $2,918.00MM | $3,051.00MM |
| Inventory | $0.00MM | $974.00MM | $0.00MM |
| Assets | $25,407.00MM | $23,141.00MM | $22,891.00MM |
| Operating Cash Flow | $1,848.00MM | $1,987.00MM | $1,859.00MM |
| Capital expenditure | $68.00MM | $0.00MM | $0.00MM |
| Investing Cash Flow | $-5,111.00MM | $788.00MM | $-1,169.00MM |
| Financing Cash Flow | $3,267.00MM | $-3,086.00MM | $-592.00MM |
| Earnings Per Share** | $4.45 | $14.04 | $5.54 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.