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BREAD FINANCIAL HOLDINGS, INC. (BFH) Stock Forecast 2025 - AI Price Prediction & Analysis


BREAD FINANCIAL HOLDINGS, INC. (BFH) AI Stock Price Forecast & Investment Analysis

BREAD FINANCIAL HOLDINGS, INC. Stock Price Chart and Technical Analysis

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BREAD FINANCIAL HOLDINGS, INC. (BFH) - Comprehensive Stock Analysis & Investment Research

Deep dive into BREAD FINANCIAL HOLDINGS, INC.'s business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Understanding Company Overview

What this section covers: Essential business information about BREAD FINANCIAL HOLDINGS, INC., including sector classification, industry positioning, and organizational structure.

How to interpret: Company size, sector, and employee count provide context for market position and growth potential. Leadership and founding date indicate stability and experience.

For BREAD FINANCIAL HOLDINGS, INC.: BREAD FINANCIAL HOLDINGS, INC. operates in the Finance sector, establishing it as a mid-cap growth opportunity.

BREAD FINANCIAL HOLDINGS, INC. (Stock Symbol: BFH) is a leading company in the Finance sector , specifically operating within the Personal Credit Institutions industry.

The organization employs approximately 7546 professionals worldwide .

The company has established itself as a growing mid-cap opportunity with strong fundamentals.

Understanding Financial Performance

What these metrics mean: Key financial indicators showing BREAD FINANCIAL HOLDINGS, INC.'s revenue scale, profitability, market value, and shareholder returns.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For BREAD FINANCIAL HOLDINGS, INC.: With $4723M in annual revenue and 28.5% net margin, the company demonstrates exceptional profitability.

Annual Revenue: $4723 million generating a 28.5% net profit margin .

Market Capitalization: $3119 million - Classified as a mid-cap growth stock with balanced risk-reward profile.

Return on Equity (ROE): 36.0% - Exceptional shareholder return efficiency, indicating strong management effectiveness.

Understanding AI Stock Predictions

What these predictions mean: AI-powered forecasts for BREAD FINANCIAL HOLDINGS, INC. stock using machine learning algorithms trained on historical market data and technical indicators.

How to interpret: Positive percentages indicate expected price increases, negative values suggest potential declines. Accuracy scores show historical prediction reliability.

For BREAD FINANCIAL HOLDINGS, INC.: Unlock premium access to view detailed AI predictions and price targets.

🚀 Unlock Premium AI Predictions to access our advanced machine learning forecasts for BREAD FINANCIAL HOLDINGS, INC. stock, including 7-day, 30-day, and 90-day price targets with confidence intervals and risk assessments.

Understanding Market Position

What this analysis covers: BREAD FINANCIAL HOLDINGS, INC.'s competitive positioning, market dynamics, operational efficiency, and strategic advantages within its industry.

How to evaluate: Strong cash flow generation, healthy margins, and market leadership indicate competitive advantages. Growth rates show expansion potential.

For BREAD FINANCIAL HOLDINGS, INC.: Strong free cash flow generation demonstrates exceptional operational efficiency.

BREAD FINANCIAL HOLDINGS, INC. strategically competes in the highly dynamic Personal Credit Institutions marketplace, establishing itself as a promising mid-cap growth opportunity with strong fundamentals and expanding market share .

The company demonstrates robust operational efficiency through strong free cash flow generation of $1431 million annually.

The company maintains a healthy 15.3% gross margin, indicating strong pricing power and operational efficiency.

BREAD FINANCIAL HOLDINGS, INC. (BFH) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for BREAD FINANCIAL HOLDINGS, INC. stock analysis.

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Deep dive into BREAD FINANCIAL HOLDINGS, INC.'s financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if BREAD FINANCIAL HOLDINGS, INC. stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For BREAD FINANCIAL HOLDINGS, INC.: With a P/E ratio of 10.94, the market sees the stock as potentially undervalued.

P/E Ratio 10.94x
P/B Ratio 0.98x
Market Cap $3119M
Dividend Yield 1.30%
EPS $5.96
Book Value/Share $65.42
Revenue/Share $97.58
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently BREAD FINANCIAL HOLDINGS, INC. converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For BREAD FINANCIAL HOLDINGS, INC.: An ROE of 36.0% demonstrates excellent shareholder value creation.

ROE 36.0%
ROA 3.4%
ROIC 8.9%
Gross Margin 15.3%
Operating Margin 34.8%
Net Margin 28.5%
EBT Margin 28.8%
Tax Rate 24.4%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess BREAD FINANCIAL HOLDINGS, INC.'s ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For BREAD FINANCIAL HOLDINGS, INC.: A current ratio of 1.69 shows adequate liquidity.

Current Ratio 1.69x
Quick Ratio 1.60x
D/E Ratio 2.99x
Financial Leverage 9.23x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal BREAD FINANCIAL HOLDINGS, INC.'s ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For BREAD FINANCIAL HOLDINGS, INC.: Free cash flow of $1431M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $1523M
Free Cash Flow $1431M
Capital Spending $-92M
FCF/Sales 42.1%
CapEx/Sales 2.7%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively BREAD FINANCIAL HOLDINGS, INC. uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For BREAD FINANCIAL HOLDINGS, INC.: An asset turnover of 0.16x suggests room for improvement in asset utilization.

Asset Turnover 0.16x
Receivables Turnover 13.7x
Fixed Assets Turnover 9.3x
Days Sales Outstanding 27 days
Payables Period 71 days
Understanding Financial Statement Data

What these metrics mean: Key figures from BREAD FINANCIAL HOLDINGS, INC.'s income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For BREAD FINANCIAL HOLDINGS, INC.: With annual revenue of $4723M, BREAD FINANCIAL HOLDINGS, INC. operates at significant scale.

Income Statement ($ Millions)
Total Revenue $4723M
SG&A Expense $25M
Cost of Goods Sold $-506M
Balance Sheet Highlights (% Of Assets)
Total Current Assets 91%
Cash & Short-term Investments 15%
Total Liabilities 89%
Accounts Receivable 1%
Dividend & Shareholder Information
Dividends Per Share $0.84
Payout Ratio 0.1%
Shares Outstanding 48M
Growth Metrics (YoY)
EPS Growth 10.2%

Latest BREAD FINANCIAL HOLDINGS, INC. Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting BREAD FINANCIAL HOLDINGS, INC. (BFH) stock price and investment outlook.

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BREAD FINANCIAL HOLDINGS, INC. Competitors & Peer Analysis - Finance Sector

Comparative analysis of BREAD FINANCIAL HOLDINGS, INC. against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Frequently Asked Questions - BREAD FINANCIAL HOLDINGS, INC. Stock Forecast

How accurate are BREAD FINANCIAL HOLDINGS, INC. stock predictions?

Our AI model demonstrates 69% historical accuracy for BFH predictions, based on advanced machine learning algorithms trained on over 10 years of market data.

What factors influence BREAD FINANCIAL HOLDINGS, INC. stock price forecasts?

Our analysis considers BREAD FINANCIAL HOLDINGS, INC.'s financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is BREAD FINANCIAL HOLDINGS, INC. a good investment in 2025?

Based on our AI analysis, BREAD FINANCIAL HOLDINGS, INC. shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are BREAD FINANCIAL HOLDINGS, INC. forecasts updated?

BREAD FINANCIAL HOLDINGS, INC. stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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