Momentum investors typically don't time the market or "buy low and sell high." In other words, they avoid betting on cheap stocks and waiting long for them to recover. Instead, they believe that "buying high and selling higher" is the way to make far more money in lesser time.Who doesn't like betting on fast-moving trending stocks? But determining the right entry point isn't easy. Often, these stocks lose momentum once their valuation moves ahead of their future growth potential. In such a situation, invest ...

Bread Financial Holdings (BFH) is expected to deliver a year-over-year decline in earnings on lower revenues when it reports results for the quarter ended December 2024. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price.The earnings report, which is expected to be released on January 30, 2025, might help the stock move higher if these key numbers are ...

Stock Performance and Trends - BFH is trading above its 50-day simple moving average (SMA), indicating a short-term bullish trend [1] - The share price was $63.75 as of Jan 21, 2025, down 4.4% from its 52-week high of $66.71 [1] - Shares of BFH surged 107.3% in the past year, outperforming its industry (22.7%), the Finance sector (25%), and the S&P 500 (24.3%) [4][5] Valuation and Analyst Sentiment - BFH shares are trading at a forward P/E of 9.64X, lower than the industry average of 16.16X, with a Value Score of A [7] - Three out of seven analysts raised estimates for 2025, leading to a 0.7% increase in the Zacks Consensus Estimate over the past 30 days [8] Financial Metrics and Capital Efficiency - BFH's return on invested capital (ROIC) was 10% in the trailing 12 months, significantly higher than the industry average of 4.9% [9] - The company has been strengthening its balance sheet, lowering debt, and improving free cash flow conversion [13] Growth Drivers and Strategic Initiatives - Credit sales are expected to improve due to solid consumer spending, new partner additions, and holiday spending [10] - Credit metrics remain strong, with delinquency and net loss rates below historical averages [11] - BFH is investing in strategic growth areas, digital innovation, and technology enhancements, with partnerships including RBC, Fiserv, and Sezzle [12] Shareholder Value and Future Outlook - BFH focuses on returning value to shareholders through share repurchases and mergers and acquisitions [14] - The Zacks Consensus Estimate for 2025 revenues indicates a 3% year-over-year increase from 2024 [14] - The company has a solid track record of beating earnings estimates in two of the last four quarters, with an average beat of 70.23% [14]

COLUMBUS, Ohio, Jan. 07, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, will host a conference call on Thursday, Jan. 30, 2025, at 8:30 a.m. ET to discuss the company's fourth quarter and full year 2024 results. Conference Call/Webcast InformationParticipants can register in advance here, and the conference call will be available at the company's investor relations website. A ...

Bread Financial Holdings, Inc. (BFH) shares have surged 95.3% in the year-to-date (YTD) period compared with the industry's growth of 19.7%. The Finance sector and the Zacks S&P 500 index have returned 22.2% and 27.4% YTD, respectively. With a market capitalization of $3.20 billion, the average volume of shares traded in the last three months was 0.8 million.BFH Outperforms Industry, Sector, S&P YTDImage Source: Zacks Investment ResearchThe stock currently carries a Zacks Rank #3 (Hold) and is closed at $64 ...

COLUMBUS, Ohio, Dec. 04, 2024 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced the company’s participation in Goldman Sachs Financial Services Conference 2024 on Wednesday, Dec. 11. Bread Financial President and Chief Executive Officer Ralph Andretta, along with EVP and Chief Financial Officer Perry Beberman will participate in a fireside chat. The fireside chat ...

COLUMBUS, Ohio, Dec. 02, 2024 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced that its Board of Directors has approved a $25 million increase to its previously-announced 2024 share repurchase program, expanding the authorization from $30 million of common stock to $55 million of common stock through December 31, 2024. The Company had approximately $19 million r ...

COLUMBUS, Ohio, Nov. 07, 2024 (GLOBE NEWSWIRE) --  Bread Financial Holdings, Inc.® (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced the company’s participation in KBW’s Fintech & Payments Conference on Thursday, Nov. 14. Bread Financial EVP and Chief Financial Officer Perry Beberman will participate in a fireside chat. The fireside chat will take place at 10:15 a.m. ET and will be broadcast live here. The firesid ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001-15749 _______________________________________ BREAD FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware ...

Core Insights - Bread Financial Holdings (BFH) reported an operating income of $1.84 per share for Q3 2024, missing the Zacks Consensus Estimate of $1.88, with a significant year-over-year decline of 88% [1] - The company's revenues decreased by 4.7% year-over-year to $983 million, primarily due to lower late fees and reduced merchant discount fees, although it slightly beat the consensus estimate by 0.8% [2] - Credit sales fell to $6.5 billion, down 3% year-over-year, reflecting moderated consumer spending and strategic credit tightening [2] - Average loans increased by 1% to $17.8 billion, supported by new partner growth and stabilizing consumer spending [2] - Total non-interest expenses rose by 14% to $574 million, driven by increased employee compensation and other expenses [2] Financial Performance - The delinquency rate increased to 6.4%, worsening by 10 basis points year-over-year, while the net loss rate rose to 7.8%, deteriorating by 90 basis points [3] - Pre-tax pre-provision earnings decreased by 22.7% year-over-year to $409 million [3] - As of September 30, 2024, cash and cash equivalents were $3.5 billion, up 33.3% from the previous year, while long-term debt declined by 25.3% to $1 billion [4] - Tangible book value increased by 12% year-over-year to $47.48 per share, but return on average equity contracted to 0.4%, down 2440 basis points year-over-year [4] Capital Deployment - The board approved a quarterly dividend of 21 cents, payable on December 13 to stockholders of record as of November 8, and the company repurchased shares worth $11 million [5] 2024 Guidance - Management anticipates average receivables to decline in the low single-digit range from 2023 levels, with expectations for average credit card and other loans to also decrease in low single digits [6] - Total revenues are projected to decline in low-to-mid single digits, with total non-interest expenses expected to follow a similar trend [7] - The net loss rate is guided to be in the low 8% range [7] Zacks Rank - Bread Financial currently holds a Zacks Rank 3 (Hold) [8]