Throughout the last three months, 9 analysts have evaluated Bread Finl Hldgs (NYSE:BFH), offering a diverse set of opinions from bullish to bearish.
The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 2 | 1 | 3 | 2 | 1 |
| Last 30D | 0 | 1 | 0 | 0 | 0 |
| 1M Ago | 0 | 0 | 0 | 0 | 1 |
| 2M Ago | 1 | 0 | 2 | 1 | 0 |
| 3M Ago | 1 | 0 | 1 | 1 | 0 |
Analysts have set 12-month price targets for Bread Finl Hldgs, revealing an average target of $53.78, a high estimate of $88.00, and a low estimate of $34.00. This upward trend is evident, with the current average reflecting a 3.2% increase from the previous average price target of $52.11.
Diving into Analyst Ratings: An In-Depth Exploration
A clear picture of Bread Finl Hldgs's perception among financial experts is painted with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Sanjay Sakhrani | Keefe, Bruyette & Woods | Raises | Outperform | $88.00 | $67.00 |
| Ryan Nash | Goldman Sachs | Raises | Sell | $58.00 | $52.00 |
| John Pancari | Evercore ISI Group | Raises | In-Line | $54.00 | $52.00 |
| Bill Ryan | Seaport Global | Lowers | Buy | $56.00 | $58.00 |
| Moshe Orenbuch | TD Cowen | Raises | Hold | $50.00 | $48.00 |
| Terry Ma | Barclays | Lowers | Underweight | $34.00 | $35.00 |
| Terry Ma | Barclays | Lowers | Underweight | $35.00 | $37.00 |
| John Pancari | Evercore ISI Group | Lowers | In-Line | $52.00 | $59.00 |
| Mihir Bhatia | B of A Securities | Lowers | Buy | $57.00 | $61.00 |
Key Insights:
- Action Taken: Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Bread Finl Hldgs. This information provides a snapshot of how analysts perceive the current state of the company.
- Rating: Analysts unravel qualitative evaluations for stocks, ranging from 'Outperform' to 'Underperform'. These ratings offer insights into expectations for the relative performance of Bread Finl Hldgs compared to the broader market.
- Price Targets: Understanding forecasts, analysts offer estimates for Bread Finl Hldgs's future value. Examining the current and prior targets provides insight into analysts' changing expectations.
Considering these analyst evaluations in conjunction with other financial indicators can offer a comprehensive understanding of Bread Finl Hldgs's market position. Stay informed and make well-informed decisions with our Ratings Table.
Stay up to date on Bread Finl Hldgs analyst ratings.
Unveiling the Story Behind Bread Finl Hldgs
Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Financial is a provider of private label and co-branded credit cards, loyalty programs, and marketing services. The company's most financially significant unit is its credit card business that partners with retailers to jointly market Bread's credit cards to their customers. The company also retains minority interest in its recently spun-off LoyaltyOne division, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.
Financial Milestones: Bread Finl Hldgs's Journey
Market Capitalization Analysis: Positioned below industry benchmarks, the company's market capitalization faces constraints in size. This could be influenced by factors such as growth expectations or operational capacity.
Negative Revenue Trend: Examining Bread Finl Hldgs's financials over 3 months reveals challenges. As of 30 September, 2024, the company experienced a decline of approximately -4.66% in revenue growth, reflecting a decrease in top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: Bread Finl Hldgs's net margin is below industry standards, pointing towards difficulties in achieving strong profitability. With a net margin of 0.2%, the company may encounter challenges in effective cost control.
Return on Equity (ROE): Bread Finl Hldgs's ROE is below industry standards, pointing towards difficulties in efficiently utilizing equity capital. With an ROE of 0.06%, the company may encounter challenges in delivering satisfactory returns for shareholders.
Return on Assets (ROA): Bread Finl Hldgs's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of 0.01%, the company may encounter challenges in delivering satisfactory returns from its assets.
Debt Management: Bread Finl Hldgs's debt-to-equity ratio is below the industry average. With a ratio of 1.47, the company relies less on debt financing, maintaining a healthier balance between debt and equity, which can be viewed positively by investors.
Analyst Ratings: Simplified
Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.
Beyond their standard evaluations, some analysts contribute predictions for metrics like growth estimates, earnings, and revenue, furnishing investors with additional guidance. Users of analyst ratings should be mindful that this specialized advice is shaped by human perspectives and may be subject to variability.
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