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BFH Quote, Financials, Valuation and Earnings

Last price:
$49.78
Seasonality move :
8.82%
Day range:
$49.11 - $50.58
52-week range:
$32.10 - $66.71
Dividend yield:
1.69%
P/E ratio:
8.97x
P/S ratio:
0.65x
P/B ratio:
0.80x
Volume:
757.4K
Avg. volume:
893.3K
1-year change:
23.95%
Market cap:
$2.4B
Revenue:
$3.8B
EPS (TTM):
$5.55

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
BFH
Bread Financial Holdings
$963.7M $0.32 -3.62% -17.64% $69.07
AXP
American Express
$17.2B $3.05 7.85% 5.84% $315.54
COF
Capital One Financial
$10.2B $2.80 7.06% 16.06% $214.50
DFS
Discover Financial Services
$4.4B $3.31 1.88% 5.17% $210.38
OPFI
OppFi
$133.5M $0.15 8.14% 153.33% $13.00
SYF
Synchrony Financial
$3.8B $1.92 1.83% -47.89% $76.81
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
BFH
Bread Financial Holdings
$49.78 $69.07 $2.4B 8.97x $0.21 1.69% 0.65x
AXP
American Express
$270.83 $315.54 $189.9B 19.33x $0.70 1.03% 2.93x
COF
Capital One Financial
$172.60 $214.50 $65.8B 14.89x $0.60 1.39% 1.69x
DFS
Discover Financial Services
$162.21 $210.38 $40.8B 9.16x $0.70 1.73% 2.27x
OPFI
OppFi
$9.68 $13.00 $234.5M 46.10x $0.12 0% 0.68x
SYF
Synchrony Financial
$54.52 $76.81 $21.2B 6.38x $0.25 1.83% 1.45x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
BFH
Bread Financial Holdings
64.56% 1.499 185.35% 4.59x
AXP
American Express
62.8% 0.836 24.52% 2.21x
COF
Capital One Financial
42.53% 1.282 66.18% 40.40x
DFS
Discover Financial Services
47.55% 1.688 36.45% 18.27x
OPFI
OppFi
90.68% 4.321 86.1% 8.98x
SYF
Synchrony Financial
48.26% 1.404 58.44% --
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
BFH
Bread Financial Holdings
-- -- 3.44% 9.03% 22.05% $508M
AXP
American Express
-- -- 12.5% 34.61% 27.91% $5.3B
COF
Capital One Financial
-- -- 4.42% 7.98% 49.83% $2.1B
DFS
Discover Financial Services
-- -- 12.93% 28.32% 64.32% $1.9B
OPFI
OppFi
$110.2M $79.6M 1.38% 3.46% 58.63% $90.1M
SYF
Synchrony Financial
-- -- 11.21% 22.64% 55.01% $2.4B

Bread Financial Holdings vs. Competitors

  • Which has Higher Returns BFH or AXP?

    American Express has a net margin of 0.76% compared to Bread Financial Holdings's net margin of 12.63%. Bread Financial Holdings's return on equity of 9.03% beat American Express's return on equity of 34.61%.

    Company Gross Margin Earnings Per Share Invested Capital
    BFH
    Bread Financial Holdings
    -- $0.14 $8.6B
    AXP
    American Express
    -- $3.04 $81.4B
  • What do Analysts Say About BFH or AXP?

    Bread Financial Holdings has a consensus price target of $69.07, signalling upside risk potential of 38.75%. On the other hand American Express has an analysts' consensus of $315.54 which suggests that it could grow by 16.51%. Given that Bread Financial Holdings has higher upside potential than American Express, analysts believe Bread Financial Holdings is more attractive than American Express.

    Company Buy Ratings Hold Ratings Sell Ratings
    BFH
    Bread Financial Holdings
    4 8 0
    AXP
    American Express
    6 16 2
  • Is BFH or AXP More Risky?

    Bread Financial Holdings has a beta of 1.960, which suggesting that the stock is 95.97% more volatile than S&P 500. In comparison American Express has a beta of 1.211, suggesting its more volatile than the S&P 500 by 21.135%.

  • Which is a Better Dividend Stock BFH or AXP?

    Bread Financial Holdings has a quarterly dividend of $0.21 per share corresponding to a yield of 1.69%. American Express offers a yield of 1.03% to investors and pays a quarterly dividend of $0.70 per share. Bread Financial Holdings pays 15.52% of its earnings as a dividend. American Express pays out 19.74% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios BFH or AXP?

    Bread Financial Holdings quarterly revenues are $925M, which are smaller than American Express quarterly revenues of $17.2B. Bread Financial Holdings's net income of $7M is lower than American Express's net income of $2.2B. Notably, Bread Financial Holdings's price-to-earnings ratio is 8.97x while American Express's PE ratio is 19.33x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Bread Financial Holdings is 0.65x versus 2.93x for American Express. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    BFH
    Bread Financial Holdings
    0.65x 8.97x $925M $7M
    AXP
    American Express
    2.93x 19.33x $17.2B $2.2B
  • Which has Higher Returns BFH or COF?

    Capital One Financial has a net margin of 0.76% compared to Bread Financial Holdings's net margin of 10.76%. Bread Financial Holdings's return on equity of 9.03% beat Capital One Financial's return on equity of 7.98%.

    Company Gross Margin Earnings Per Share Invested Capital
    BFH
    Bread Financial Holdings
    -- $0.14 $8.6B
    COF
    Capital One Financial
    -- $2.67 $105.8B
  • What do Analysts Say About BFH or COF?

    Bread Financial Holdings has a consensus price target of $69.07, signalling upside risk potential of 38.75%. On the other hand Capital One Financial has an analysts' consensus of $214.50 which suggests that it could grow by 24.27%. Given that Bread Financial Holdings has higher upside potential than Capital One Financial, analysts believe Bread Financial Holdings is more attractive than Capital One Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    BFH
    Bread Financial Holdings
    4 8 0
    COF
    Capital One Financial
    10 8 0
  • Is BFH or COF More Risky?

    Bread Financial Holdings has a beta of 1.960, which suggesting that the stock is 95.97% more volatile than S&P 500. In comparison Capital One Financial has a beta of 1.474, suggesting its more volatile than the S&P 500 by 47.44%.

  • Which is a Better Dividend Stock BFH or COF?

    Bread Financial Holdings has a quarterly dividend of $0.21 per share corresponding to a yield of 1.69%. Capital One Financial offers a yield of 1.39% to investors and pays a quarterly dividend of $0.60 per share. Bread Financial Holdings pays 15.52% of its earnings as a dividend. Capital One Financial pays out 24.42% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios BFH or COF?

    Bread Financial Holdings quarterly revenues are $925M, which are smaller than Capital One Financial quarterly revenues of $10.2B. Bread Financial Holdings's net income of $7M is lower than Capital One Financial's net income of $1.1B. Notably, Bread Financial Holdings's price-to-earnings ratio is 8.97x while Capital One Financial's PE ratio is 14.89x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Bread Financial Holdings is 0.65x versus 1.69x for Capital One Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    BFH
    Bread Financial Holdings
    0.65x 8.97x $925M $7M
    COF
    Capital One Financial
    1.69x 14.89x $10.2B $1.1B
  • Which has Higher Returns BFH or DFS?

    Discover Financial Services has a net margin of 0.76% compared to Bread Financial Holdings's net margin of 27.13%. Bread Financial Holdings's return on equity of 9.03% beat Discover Financial Services's return on equity of 28.32%.

    Company Gross Margin Earnings Per Share Invested Capital
    BFH
    Bread Financial Holdings
    -- $0.14 $8.6B
    DFS
    Discover Financial Services
    -- $5.11 $34.2B
  • What do Analysts Say About BFH or DFS?

    Bread Financial Holdings has a consensus price target of $69.07, signalling upside risk potential of 38.75%. On the other hand Discover Financial Services has an analysts' consensus of $210.38 which suggests that it could grow by 29.7%. Given that Bread Financial Holdings has higher upside potential than Discover Financial Services, analysts believe Bread Financial Holdings is more attractive than Discover Financial Services.

    Company Buy Ratings Hold Ratings Sell Ratings
    BFH
    Bread Financial Holdings
    4 8 0
    DFS
    Discover Financial Services
    5 9 0
  • Is BFH or DFS More Risky?

    Bread Financial Holdings has a beta of 1.960, which suggesting that the stock is 95.97% more volatile than S&P 500. In comparison Discover Financial Services has a beta of 1.456, suggesting its more volatile than the S&P 500 by 45.588%.

  • Which is a Better Dividend Stock BFH or DFS?

    Bread Financial Holdings has a quarterly dividend of $0.21 per share corresponding to a yield of 1.69%. Discover Financial Services offers a yield of 1.73% to investors and pays a quarterly dividend of $0.70 per share. Bread Financial Holdings pays 15.52% of its earnings as a dividend. Discover Financial Services pays out 17% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios BFH or DFS?

    Bread Financial Holdings quarterly revenues are $925M, which are smaller than Discover Financial Services quarterly revenues of $4.8B. Bread Financial Holdings's net income of $7M is lower than Discover Financial Services's net income of $1.3B. Notably, Bread Financial Holdings's price-to-earnings ratio is 8.97x while Discover Financial Services's PE ratio is 9.16x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Bread Financial Holdings is 0.65x versus 2.27x for Discover Financial Services. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    BFH
    Bread Financial Holdings
    0.65x 8.97x $925M $7M
    DFS
    Discover Financial Services
    2.27x 9.16x $4.8B $1.3B
  • Which has Higher Returns BFH or OPFI?

    OppFi has a net margin of 0.76% compared to Bread Financial Holdings's net margin of -4.13%. Bread Financial Holdings's return on equity of 9.03% beat OppFi's return on equity of 3.46%.

    Company Gross Margin Earnings Per Share Invested Capital
    BFH
    Bread Financial Holdings
    -- $0.14 $8.6B
    OPFI
    OppFi
    81.23% -$0.26 $553M
  • What do Analysts Say About BFH or OPFI?

    Bread Financial Holdings has a consensus price target of $69.07, signalling upside risk potential of 38.75%. On the other hand OppFi has an analysts' consensus of $13.00 which suggests that it could grow by 34.3%. Given that Bread Financial Holdings has higher upside potential than OppFi, analysts believe Bread Financial Holdings is more attractive than OppFi.

    Company Buy Ratings Hold Ratings Sell Ratings
    BFH
    Bread Financial Holdings
    4 8 0
    OPFI
    OppFi
    1 1 0
  • Is BFH or OPFI More Risky?

    Bread Financial Holdings has a beta of 1.960, which suggesting that the stock is 95.97% more volatile than S&P 500. In comparison OppFi has a beta of 0.000, suggesting its less volatile than the S&P 500 by 100%.

  • Which is a Better Dividend Stock BFH or OPFI?

    Bread Financial Holdings has a quarterly dividend of $0.21 per share corresponding to a yield of 1.69%. OppFi offers a yield of 0% to investors and pays a quarterly dividend of $0.12 per share. Bread Financial Holdings pays 15.52% of its earnings as a dividend. OppFi pays out 616.77% of its earnings as a dividend. Bread Financial Holdings's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but OppFi's is not.

  • Which has Better Financial Ratios BFH or OPFI?

    Bread Financial Holdings quarterly revenues are $925M, which are larger than OppFi quarterly revenues of $135.7M. Bread Financial Holdings's net income of $7M is higher than OppFi's net income of -$5.6M. Notably, Bread Financial Holdings's price-to-earnings ratio is 8.97x while OppFi's PE ratio is 46.10x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Bread Financial Holdings is 0.65x versus 0.68x for OppFi. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    BFH
    Bread Financial Holdings
    0.65x 8.97x $925M $7M
    OPFI
    OppFi
    0.68x 46.10x $135.7M -$5.6M
  • Which has Higher Returns BFH or SYF?

    Synchrony Financial has a net margin of 0.76% compared to Bread Financial Holdings's net margin of 20.36%. Bread Financial Holdings's return on equity of 9.03% beat Synchrony Financial's return on equity of 22.64%.

    Company Gross Margin Earnings Per Share Invested Capital
    BFH
    Bread Financial Holdings
    -- $0.14 $8.6B
    SYF
    Synchrony Financial
    -- $1.91 $32B
  • What do Analysts Say About BFH or SYF?

    Bread Financial Holdings has a consensus price target of $69.07, signalling upside risk potential of 38.75%. On the other hand Synchrony Financial has an analysts' consensus of $76.81 which suggests that it could grow by 40.88%. Given that Synchrony Financial has higher upside potential than Bread Financial Holdings, analysts believe Synchrony Financial is more attractive than Bread Financial Holdings.

    Company Buy Ratings Hold Ratings Sell Ratings
    BFH
    Bread Financial Holdings
    4 8 0
    SYF
    Synchrony Financial
    9 7 0
  • Is BFH or SYF More Risky?

    Bread Financial Holdings has a beta of 1.960, which suggesting that the stock is 95.97% more volatile than S&P 500. In comparison Synchrony Financial has a beta of 1.675, suggesting its more volatile than the S&P 500 by 67.489%.

  • Which is a Better Dividend Stock BFH or SYF?

    Bread Financial Holdings has a quarterly dividend of $0.21 per share corresponding to a yield of 1.69%. Synchrony Financial offers a yield of 1.83% to investors and pays a quarterly dividend of $0.25 per share. Bread Financial Holdings pays 15.52% of its earnings as a dividend. Synchrony Financial pays out 13.43% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios BFH or SYF?

    Bread Financial Holdings quarterly revenues are $925M, which are smaller than Synchrony Financial quarterly revenues of $3.8B. Bread Financial Holdings's net income of $7M is lower than Synchrony Financial's net income of $774M. Notably, Bread Financial Holdings's price-to-earnings ratio is 8.97x while Synchrony Financial's PE ratio is 6.38x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Bread Financial Holdings is 0.65x versus 1.45x for Synchrony Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    BFH
    Bread Financial Holdings
    0.65x 8.97x $925M $7M
    SYF
    Synchrony Financial
    1.45x 6.38x $3.8B $774M

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