Stock Price & Analysis

Based on the provided data, here's an analysis of BFH stock:

Technical Analysis

The stock has recently entered oversold territory with an RSI reading of 28.1, significantly below the average RSI of 48.3 for dividend stocks. This technical indicator suggests potential buying opportunities as the heavy selling may be exhausting itself.

Financial Performance

Recent financial metrics show:

• Lending activity declined by 2.7%
• Significant improvement in delinquency and charge-off rates compared to peers
• Loan growth declined to -2% year-over-year

Valuation & Dividend

• Current dividend: $0.84 per share annually
• Dividend yield: 1.56% at $54.00 share price
• Share price has fallen to $51.33 recently

Analyst Sentiment

Morgan Stanley analyst Jeffrey Adelson noted that BFH showed the largest beat on net charge-offs versus their estimates, with losses and delinquencies outperforming seasonality.

Recommendation Based on the oversold technical conditions, improving credit metrics, and analyst optimism, BFH presents a potential buying opportunity at current levels. The stock's recent weakness appears to be creating an attractive entry point for investors.

Based on the provided data and recent market analysis, here is the price prediction for BFH stock in 2025:

Bread Financial Holdings (BFH) is expected to reach $70 by end of 2025, supported by improving credit metrics and operational efficiency, with analysts recently raising price targets. The stock shows strong potential for upward movement as recent data indicates stabilizing credit card delinquencies and charge-off rates, while the company's strategic improvements in operational expenses have exceeded expectations. However, loan growth remains a concern with a -2% year-over-year decline reported in recent metrics.

The S1 support level for BFH Stock is $50.22 ,The R1 resistant level for BFH Stock is $59.29.

As of the end of day on 2025-03-06, the price of BFH Stock was $50.46.

The target price for BFH Stock according to analyst rating is 73.44, with the highest price target at 88.00 and the lowest at 53.00. Analysts have a Moderate Buy rating on BFH Stock overall.

The market cap of BFH is $2.5B.

Based on the provided data, here's a concise analysis of BFH's valuation:

Current Market Position: BFH appears fairly valued considering recent market performance and financial metrics. The stock has shown significant volatility with RSI recently entering oversold territory at 28.1, suggesting potential buying opportunities.

Financial Performance: Credit card metrics remained stable in January 2025, with BFH showing notable improvements in delinquency and charge-off rates compared to peers. Lending activity declined 2.7%, with BFH specifically reporting a -2% year-over-year decline in loans.

Analyst Consensus: The stock currently maintains a "Hold" rating from major analysts. Recent price target adjustments include:

• TD Cowen: Raised to $70
• RBC Capital: Raised to $68
• Barclays: Maintains Sell rating with $51 target

Key Strengths:

• Improving delinquency rates and credit metrics
• Strong performance in charge-offs compared to expectations
• Management's optimistic outlook on credit improvements

Key Risks:

• Loan growth decline could pressure margins
• Higher operating expenses than anticipated
• Potential impact from new account acquisition strategy

Based on current metrics and market conditions, BFH appears appropriately valued at current levels, with mixed signals suggesting neither significant overvaluation nor undervaluation.

Bread Financial Holdings, Inc. is a tech-forward financial services company. The Company is engaged in providing simple, personalized payment, lending, and saving solutions. The Company through its data insights and white-label technology, it delivers a comprehensive product suite, including private label and co-brand credit cards and buy now, pay later products (split-pay). It also offers direct-to-consumer solutions that give customers more access, and freedom through its branded Bread Cashback American Express Credit Card and Bread Savings products. The Company offers both direct-to-consumer retail deposit products as well as deposits sourced through contractual arrangements with various financial counterparties (often referred to as wholesale deposits). Its products are supported by various services and capabilities, including risk management, account origination and funding services; loan processing and servicing; marketing and data and analytics; and its Enhanced Digital Suite.

Based on the available data and market analysis, here's a prediction for Bread Financial Holdings (BFH) stock price in 2030:

BFH stock is projected to reach approximately $95-105 by 2030, driven by the company's strong position in consumer finance and digital payment solutions. The growth trajectory is supported by improving credit metrics, with recent data showing significant improvements in delinquency and charge-off rates compared to industry peers. The company's strategic shift towards digital transformation and expansion in consumer lending services, coupled with its robust dividend policy and financial stability, suggests sustained long-term growth potential.

BFH has a total of 7000 employees.