Across the recent three months, 8 analysts have shared their insights on Bread Finl Hldgs (NYSE:BFH), expressing a variety of opinions spanning from bullish to bearish.
The following table encapsulates their recent ratings, offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 0 | 3 | 4 | 1 | 0 |
| Last 30D | 0 | 0 | 1 | 0 | 0 |
| 1M Ago | 0 | 1 | 2 | 0 | 0 |
| 2M Ago | 0 | 1 | 1 | 0 | 0 |
| 3M Ago | 0 | 1 | 0 | 1 | 0 |
In the assessment of 12-month price targets, analysts unveil insights for Bread Finl Hldgs, presenting an average target of $47.5, a high estimate of $67.00, and a low estimate of $26.00. Observing a 15.46% increase, the current average has risen from the previous average price target of $41.14.
Deciphering Analyst Ratings: An In-Depth Analysis
A comprehensive examination of how financial experts perceive Bread Finl Hldgs is derived from recent analyst actions. The following is a detailed summary of key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| John Pancari | Evercore ISI Group | Raises | In-Line | $49.00 | $45.00 |
| Jon Arfstrom | RBC Capital | Raises | Sector Perform | $45.00 | $38.00 |
| John Pancari | Evercore ISI Group | Raises | In-Line | $45.00 | $42.00 |
| Sanjay Sakhrani | Keefe, Bruyette & Woods | Maintains | Outperform | $67.00 | $67.00 |
| Sanjay Sakhrani | Keefe, Bruyette & Woods | Raises | Outperform | $67.00 | $38.00 |
| James Fotheringham | BMO Capital | Raises | Market Perform | $33.00 | $31.00 |
| Terry Ma | Barclays | Lowers | Underweight | $26.00 | $27.00 |
| Bill Carcache | Wolfe Research | Announces | Outperform | $48.00 | - |
Key Insights:
- Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response 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 assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of Bread Finl Hldgs compared to the broader market.
- Price Targets: Gaining insights, analysts provide estimates for the future value of Bread Finl Hldgs's stock. This comparison reveals trends in analysts' expectations over time.
Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of Bread Finl Hldgs's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.
Stay up to date on Bread Finl Hldgs analyst ratings.
Get to Know Bread Finl Hldgs Better
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.
A Deep Dive into Bread Finl Hldgs's Financials
Market Capitalization Analysis: Below industry benchmarks, the company's market capitalization reflects a smaller scale relative to peers. This could be attributed to factors such as growth expectations or operational capacity.
Negative Revenue Trend: Examining Bread Finl Hldgs's financials over 3 months reveals challenges. As of 31 March, 2024, the company experienced a decline of approximately -23.47% in revenue growth, reflecting a decrease in top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.
Net Margin: The company's net margin is a standout performer, exceeding industry averages. With an impressive net margin of 13.52%, the company showcases strong profitability and effective cost control.
Return on Equity (ROE): The company's ROE is a standout performer, exceeding industry averages. With an impressive ROE of 4.5%, the company showcases effective utilization of equity capital.
Return on Assets (ROA): Bread Finl Hldgs's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of 0.59%, the company may face hurdles in achieving optimal financial returns.
Debt Management: Bread Finl Hldgs's debt-to-equity ratio is below industry norms, indicating a sound financial structure with a ratio of 1.53.
Analyst Ratings: What Are They?
Benzinga tracks 150 analyst firms and reports on their stock expectations. Analysts typically arrive at their conclusions by predicting how much money a company will make in the future, usually the upcoming five years, and how risky or predictable that company's revenue streams are.
Analysts attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish their ratings on stocks. Analysts typically rate each stock once per quarter or whenever the company has a major update.
Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.
This article was generated by Benzinga's automated content engine and reviewed by an editor.