(BFH) Bread Financial Holdings - Ratings and Ratios

Bread Financial Holdings, Inc. (NYSE:BFH) is a leading provider of tech-driven payment and lending solutions, serving consumers and consumer-based industries across North America. The company offers a comprehensive suite of financial products, including credit cards, loans, and risk management solutions. It specializes in private label and co-brand credit card programs, as well as general-purpose cash-back credit options under the Comenity brand. Additionally, Bread Financial manages and services loans for various credit card programs and installment loans, while also providing marketing, data analytics, and digital payment solutions.

The company’s digital payments platform, Bread, enables merchants and partners to integrate online point-of-sale financing and other payment products seamlessly. Its enhanced digital suite includes a unified software development kit (SDK) that simplifies access to its product offerings and promotes credit payment options earlier in the shopping experience. Bread Financial operates under several brands, including Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings. Formerly known as Alliance Data Systems Corporation, the company rebranded as Bread Financial Holdings, Inc. in March 2022. Headquartered in Columbus, Ohio, it has been in operation since its incorporation in 1995.

Ticker Symbol: BFH
Exchange: NYSE
Type: common stock
Country Origin: United States
GICS Sub Industry: Consumer Finance
Web URL: https://www.breadfinancial.com

Average Volume 20d: 1265750
Last Price: 48.44
SMA 20: 46.50
SMA 50: 49.67
SMA 200: 54.01
ATR: 2.72

Market Cap: 2274.31M USD
P/E: 8.62
P/E Forward: 7.46
P/B: 0.74
P/S: 0.93
RoE: 9.05

3-Month Forecast:
Based on current trends, BFH is expected to experience moderate volatility with potential upside due to its strong position in the consumer finance sector. The stock price may fluctuate between $45 and $52, influenced by its SMA 20 and SMA 50 levels. Support is anticipated around $46.50, with resistance near $49.67. The ATR of 2.72 suggests manageable volatility.
The forward P/E of 7.46 indicates potential undervaluation, supported by a P/B ratio of 0.74. With an RoE of 9.05%, the company is expected to maintain stable profitability, aligning with its focus on digital innovation and data-driven solutions.