Bread Financial Holdings, Inc. BFH · NYSE
$101.60 +1.01% (+$1.02)
Summary
78 / 100 · Bulios Score
What speaks for it
- Earnings per share grew by 35% a year over the last 3 years.
- The share price is below the Bulios Fair Price.
- It bought back its own shares for $313.0M in the last fiscal year, 7.7% of its market value.
What to watch
- Analysts expect revenue to fall by 15% this fiscal year.
- Revenue growth is slowing: 2.4% a year over the last 3 years against 7.3% over 5 years.
Bulios Scoring describes a company's quality and track record, not its future return. A high score is not a buy signal. Learn more
Score in detailPrice
Is it expensive?
Looks cheapPrice against the Bulios Fair Price
P/E against its own last 5 years
P/E against the industry (Financial - Credit Services)
Bulios Fair Price is an estimate of a stock's fair value from the Bulios valuation model. It is an input for your own analysis, not investment advice. How does it work?
Today you pay 7.2 USD for 1 USD of yearly profit. Over the last five years it was 6.5 USD on average.
Valuation in detailIs it growing?
Yes, fastRevenue (USD)
Diluted EPS (USD)
- Analyst estimate
Revenue grew by 7.3% a year over 5 years. Over the last 3 years it grew by 2.4% a year. For the next fiscal year analysts expect revenue to fall by 15%.
Growth in detailDoes it make money?
ReasonablyWhere 100 USD of revenue goes
- Cost of sales 36 USD
- Sales and administration 50 USD
- Taxes and other 2.4 USD
- Net profit 12 USD
Net profit, industry median (Financial - Credit Services) 1.0 USD
Out of every 100 USD of revenue, 12 USD is left as net profit.
Profitability in detailIs it financially healthy?
Banks and insurers work with their customers' money, so their debt is judged differently; see the health section for their capital figures.
Financial health in detailDoes it pay a dividend?
Small, safe- Yield
- 0.91%
- Paid out of profit
- 6.5%
- Raised in a row
- 1 year
You receive $0.92 per share a year. The company covers the payout with ease.
Dividends in detailWhat do analysts expect?
Neutral- Buy 15
- Hold 21
- Sell 1
Today's price within the analysts' price targets
The average target of $116.82 is 15% above today's price. 41% of the analysts recommend buying.
Analysts in detailWhat does it earn on?
Fiscal year 2020By product
- Short Term Loyalty Programs 65%
- Coalition Loyalty Program 35%
- Other 0.3%
By region
- U 83%
- E M E A 7.4%
- C 6.3%
- Asia Pacific 1.8%
- Other Geographic Regions 1.2%
Short Term Loyalty Programs brings in 65% of revenue.
Segments in detail