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Insights for Bread Financial Holdings
New York Stock Exchange: BFH
05 - Growing & Profitable but Heavily Leveraged
Sector: Financial Services & Legal
Industry: Credit Cards & Payment Gateways
Based on PEG Ratio: 03 - Over Valued
Today's Price
updated on: 		61.24 (-2.11%)
Open 61.95 (-1.15%)
High (Upside %) 61.95 (1.16%)
Low (Downside %) 60.9932 (0.4%)
P. Close 62.56 (-2.11%)
Open-High % 0.0%
Open-Low % 1.54%
Low-High % 1.57%
Active Buy Quantity 0
Active Sell Quantity 0
% Overtraded
Current Mood bearish
Previous Data
data from:
Open-High % 0.0%
Open-Low % 1.54%
Low-High % 1.57%
Open-Close % -1.15%
Low-Close % 0.4%
High-Close % 1.15%

BFH is a Stock listed in the US on the New York Stock Exchange under the ticker 'BFH'

Company Summary

Business Units or Product Lines

Bread Financial Holdings operates primarily through two business segments: Credit Services and Loyalty One. The Credit Services segment involves the provision of private label and co-branded credit card programs to retailers, facilitating consumer loans and receivables. Loyalty One offers customer loyalty programs primarily via its AIR MILES Reward Program, providing a medium for brand engagement and incentive-based spending.

Business Models for Each Product Line

For Credit Services, revenue is generated through interest charges on outstanding consumer loan balances, interchange fees from transactions, and service fees from retail partners. Major expenses include credit losses, funding costs, and operational expenses. In the Loyalty One segment, revenue is derived from fees paid by partners participating in the loyalty program. Expenses include marketing, technology, and program-related costs.

Future Opportunities for Growth

Bread Financial Holdings aims to expand its digital offerings and enhance personalization in customer interactions to drive growth. There's an opportunity in broadening partnerships with retailers and financial institutions to increase market share, as well as leveraging data analytics to optimize credit portfolio performance and customer acquisition strategies.

Potential Major Risks

The main risks include exposure to consumer credit risk, fluctuations in interest rates affecting loan profitability, increased regulatory scrutiny in financial services, and competitive pressures from other credit and loyalty program providers. Additionally, economic downturns can affect consumer spending and creditworthiness, impacting business performance.

Learn More about Bread Financial Holdings: Company Insights by Algobear (ChatGPT);

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Also read: https://finance.yahoo.com/BFH/profile

Predicted Prices
Key Low (open) Low (high) Close-Down (open) Close-Down (high) Close-Up (open) Close-Up (low) High (open) High (low)
Low Volatility 61.77
45.65% hit 		61.17
54.94% hit 		61.72
18.65% hit 		61.79
48.11% hit 		62.62
17.25% hit 		61.14
47.18% hit 		62.22
48.37% hit 		61.77
54.94% hit
Average Volatility 61.15
32.91% hit 		60.14
36.36% hit 		61.12
15.73% hit 		61.18
32.85% hit 		63.24
15.99% hit 		62.09
34.84% hit 		63.2
32.38% hit 		62.83
36.36% hit
High Volatility 59.47
3.45% hit 		56.57
3.32% hit 		59.84
3.72% hit 		59.36
4.18% hit 		66.06
3.38% hit 		65.58
3.38% hit 		67.28
3.25% hit 		66.79
3.32% hit

BFH's predicted prices using open from of 61.95 and data until date . Current Price is 61.24

Basic Stats
Market Cap-Display Market Cap-Actual Market Cap Enterprise Value-Display Enterprise Value-Actual Enterprise Value Trailing P/E Forward P/E PEG Ratio (5yr expected) Price/Sales Price/Book Enterprise Value/Revenue Profit Margin Operating Margin Return on Assets Return on Equity Revenue-Display Revenue-Actual Revenue Quarterly Revenue Growth EBITDA-Display Diluted EPS Quarterly Earnings Growth Total Cash-Display Total Cash-Actual Total Cash Total Debt-Display Total Debt-Actual Total Debt Operating Cash Flow-Display Operating Cash Flow-Actual Operating Cash Flow Levered Free Cash Flow-Display % Held by Insiders % Held by Institutions
2.76 B 2756985088.0 2.76 3.57 B 3567889152.0 3.57 10.46 10.55 2.05 1.13 0.92 1.46 11.49% 29.23% 1.28% 9.38% 2.44 B 2444999936.0 2.44 0.6% nan B 5.67 3.0% 4.21 B 4212000000.0 4.21 5.12 B 5120999936.0 5.12 1.8 B 1804999936.0 1.8 nan B 0.86% 108.27%

source:https://finance.yahoo.com/BFH/key-statistics

Reading Information

source:https://finance.yahoo.com/BFH/key-statistics

source:https://www.google.com/finance/quote/BFH:NYSE

source:https://finance.yahoo.com/BFH/analysis

source:https://finance.yahoo.com/BFH/fair-value

source:https://www.nasdaq.com/market-activity/stocks/BFH/price-earnings-peg-ratios

Upside-Downside Spread
Key Weighted 5D 1M 3M 6M 1Y 3Y 10Y
Upside % (high) 6.95% 2.59% (62.825) 2.59% (62.825) 2.59% (62.825) 7.61% (65.9) 8.93% (66.71) 8.93% (66.71) 301.1% (245.6345)
Downside % (low) 20.27% 3.61% (59.03) 17.33% (50.63) 37.61% (38.21) 37.61% (38.21) 37.61% (38.21) 62.13% (23.19) 73.27% (16.3687)
Spread % -13.32% -1.02% -14.74% -35.02% -30.0% -28.67% -53.2% 227.83%

BFH's price used for computing the stats is 61.24 as on date

Cumulative Return Percent
Key Today 5D 2W 1M 3M 6M 1Y 3Y 10Y
Last Price-Trend PrevClose 0.0% 1.39% 8.27% 19.59% 46.23% -1.11% 33.01% 66.01% -74.05%
Last Price 61.24 61.24 61.24 61.24 61.24 61.24 61.24 61.24 61.24
Trend-Previous Close 61.24 60.4 56.56 51.21 41.88 61.93 46.04 36.89 236.0096

BFH's symbol cumulative return percent is computed basis data from date

Return Velocity
5D 2W 1M 3M 6M 1Y
5D window
Metric Mean Median Stdev
Overall 3.83% 62.71 4.48% 63.1 1.41% 61.43 63.99
Up 4.94% 63.38 4.66% 63.22 1.05% 62.43 64.34
Down -0.56% 60.06 0% 60.4 0.83% 59.31 60.81
5D Opportunity:
returns: 1.39% (6.52%), p.close: 60.4
entry: 64.34, exit: 63.99, min.ret: 0.54%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 4.73% 63.26 4.73% 63.26 1.56% 61.84 64.68
Up 5.29% 63.59 5.01% 63.42 1.13% 62.57 64.62
Down -0.28% 60.23 0% 60.4 0.63% 59.66 60.8
5D Opportunity:
returns: 1.39% (6.98%), p.close: 60.4
entry: 64.62, exit: 64.68, min.ret: -0.09%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 4.2% 62.94 4.73% 63.26 3.47% 59.8 66.08
Up 5.42% 63.67 5.7% 63.84 2.61% 61.31 66.04
Down -1.29% 59.62 0% 60.4 2.02% 57.79 61.45
5D Opportunity:
returns: 1.39% (9.33%), p.close: 60.4
entry: 66.04, exit: 66.08, min.ret: -0.06%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 2.02% 61.62 2.57% 61.95 5.4% 56.73 66.51
Up 4.58% 63.17 4.33% 63.01 3.87% 59.66 66.67
Down -2.54% 58.87 -1.05% 59.76 3.93% 55.31 62.43
5D Opportunity:
returns: 1.39% (10.38%), p.close: 60.4
entry: 66.67, exit: 66.51, min.ret: 0.25%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.06% 60.43 0.06% 60.44 5.85% 55.13 65.74
Up 3.33% 62.41 2.0% 61.61 3.61% 59.14 65.68
Down -3.35% 58.38 -2.25% 59.04 3.93% 54.81 61.94
5D Opportunity:
returns: 1.39% (8.75%), p.close: 60.4
entry: 65.68, exit: 65.74, min.ret: -0.08%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.83% 60.9 1.3% 61.18 7.06% 54.51 67.3
Up 4.13% 62.89 3.07% 62.25 4.63% 58.7 67.09
Down -3.25% 58.44 -1.41% 59.55 4.42% 54.44 62.44
5D Opportunity:
returns: 1.39% (11.07%), p.close: 60.4
entry: 67.09, exit: 67.3, min.ret: -0.32%
Using: 5D trend, 0 Days Left
2W window
Metric Mean Median Stdev
Overall 10.88% 62.71 10.8% 62.67 2.97% 60.2 65.23
Up 11.47% 63.04 11.55% 63.09 2.64% 60.8 65.29
Down -0.69% 56.17 0% 56.56 1.71% 54.72 57.62
2W Opportunity:
returns: 8.27% (15.43%), p.close: 56.56
entry: 65.29, exit: 65.23, min.ret: 0.09%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall 7.25% 60.66 7.65% 60.89 4.67% 56.7 64.63
Up 8.54% 61.39 9.01% 61.66 3.79% 58.18 64.6
Down -2.14% 55.35 -1.36% 55.79 2.32% 53.38 57.31
2W Opportunity:
returns: 8.27% (14.22%), p.close: 56.56
entry: 64.6, exit: 64.63, min.ret: -0.04%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall 3.21% 58.38 4.28% 58.98 7.97% 51.61 65.14
Up 6.88% 60.45 6.54% 60.26 5.06% 56.16 64.74
Down -4.26% 54.15 -2.17% 55.33 5.73% 49.29 59.01
2W Opportunity: SELL-APPROACHING
returns: 8.27% (14.46%), p.close: 56.56
entry: 64.74, exit: 65.14, min.ret: -0.61%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall -0.06% 56.53 1.28% 57.28 8.59% 49.24 63.81
Up 4.98% 59.37 3.21% 58.38 4.9% 55.22 63.53
Down -5.59% 53.4 -4.6% 53.96 5.67% 48.59 58.21
2W Opportunity: SELL-APPROACHING
returns: 8.27% (12.32%), p.close: 56.56
entry: 63.53, exit: 63.81, min.ret: -0.44%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall 1.58% 57.46 2.45% 57.95 9.25% 49.61 65.3
Up 6.68% 60.34 5.87% 59.88 6.29% 55.0 65.67
Down -5.05% 53.7 -2.76% 55.0 5.84% 48.75 58.66
2W Opportunity: SELL-APPROACHING
returns: 8.27% (16.11%), p.close: 56.56
entry: 65.67, exit: 65.3, min.ret: 0.56%
Using: 2W trend, 0 Days Left
1M window
Metric Mean Median Stdev
Overall 8.65% 55.64 8.96% 55.8 9.24% 48.54 62.74
Up 10.44% 56.56 9.55% 56.1 7.81% 50.56 62.56
Down -4.77% 48.77 -3.94% 49.19 3.15% 46.35 51.19
1M Opportunity: SELL-APPROACHING
returns: 19.59% (22.16%), p.close: 51.21
entry: 62.56, exit: 62.74, min.ret: -0.29%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall 5.29% 53.92 5.72% 54.14 10.05% 46.2 61.63
Up 11.12% 56.91 11.25% 56.97 7.22% 51.36 62.46
Down -6.77% 47.74 -3.94% 49.19 6.49% 42.76 52.73
1M Opportunity: SELL-APPROACHING
returns: 19.59% (21.96%), p.close: 51.21
entry: 62.46, exit: 61.63, min.ret: 1.32%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall -1.02% 50.69 -0.19% 51.12 11.71% 41.69 59.69
Up 7.46% 55.03 5.89% 54.23 6.93% 49.71 60.35
Down -9.43% 46.38 -8.64% 46.78 7.75% 40.43 52.34
1M Opportunity: SELL-ACTIVE
returns: 19.59% (17.85%), p.close: 51.21
entry: 60.35, exit: 59.69, min.ret: 1.1%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall 3.24% 52.87 4.92% 53.73 12.63% 43.17 62.58
Up 11.17% 56.93 9.93% 56.29 8.8% 50.17 63.69
Down -7.84% 47.2 -5.77% 48.25 7.34% 41.56 52.84
1M Opportunity: SELL-APPROACHING
returns: 19.59% (24.37%), p.close: 51.21
entry: 63.69, exit: 62.58, min.ret: 1.75%
Using: 1M trend, 0 Days Left

BFH's symbol current price is 61.24 (0.0%) as on . Yesterday's close was 61.24. It's return velocities are computed basis data from date .

Win Percent
Key Weighted 5D 1M 3M 6M 1Y 3Y
Open-High (> 1.0%) 63.74% 60.0% 68.18% 65.15% 59.85% 65.08% 65.74%
Open-Low (> 1.0%) 52.96% 60.0% 36.36% 57.58% 66.67% 61.9% 67.33%
Open-Close-Up (> 0.5%) 49.25% 40.0% 63.64% 50.0% 41.67% 41.27% 41.8%
Open-Close-Down (> 0.5%) 31.42% 40.0% 18.18% 30.3% 38.64% 38.89% 40.08%
Low-Close-Up (> 1.0%) 57.45% 40.0% 63.64% 77.27% 70.45% 67.46% 68.12%
High-Close-Down (> 1.0%) 53.19% 60.0% 40.91% 54.55% 59.09% 60.32% 62.43%

BFH's symbol win percent is computed basis data from date

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