BFH
NEUTRAL
$68.78
Live
Bread Financial Holdings, Inc. · NYSE
Target $80.07
(+16.4%)
$38.21
52W Range
$82.03
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
AI-powered fundamental assessment
Confidence
72%
BFH exhibits a mixed financial profile with a weak Piotroski F-Score of 4/9 indicating marginal financial health, and no available Altman Z-Score limits distress risk assessment. The stock appears undervalued with a P/E of 7.19 versus sector average of 21.34 and trades below both the Graham Number ($124.61) and intrinsic value estimate ($282.31), suggesting significant upside potential. Strong earnings growth (YoY EPS +118.5%, Earnings Growth YoY 9703.90%) and consistent analyst target support ($80.07) contrast with deteriorating technical trend (0/100) and lack of insider activity. Key risks include incomplete financial data (missing debt, cash, EV metrics), volatile earnings surprises, and declining short-term price momentum.
Key Strengths
Significantly lower valuation multiples (P/E 7.19) compared to sector average (21.34), indicating potential undervaluation
Exceptional year-over-year earnings growth (9703.90%) and strong recent EPS progression, signaling robust profitability rebound
Attractive dividend payout ratio of 8.50%, providing sustainability and room for future increases despite low yield
High ROE of 14.78% in a sector with negative average ROE (-10.81%), demonstrating superior capital efficiency
Analyst target price of $80.07 implies ~16.4% upside from current levels, with consensus 'hold' suggesting stability
Key Risks
Low Piotroski F-Score of 4/9 indicates weak operating performance and financial stability concerns
Missing Altman Z-Score and key leverage metrics (Debt/Equity, Total Debt) create uncertainty around financial distress risk
Technical trend score of 0/100 signals strong bearish momentum, with recent 1-month (-10.3%) and 1-week (-6.7%) declines
Extreme volatility in earnings surprises (e.g., +2722.2% in 2023-Q2 to -80.5% in 2020-Q2) raises predictability concerns
Incomplete data (missing EV, cash, debt, ROIC, current ratio) limits comprehensive financial health assessment
AI Fair Value Estimate
Based on comprehensive analysis
$124.61
+81.2% above current price
Performance Snowflake
Multi-dimensional AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare BFH against industry averages and similar companies
Insider Trading & Analyst Ratings
Track insider transactions and Wall Street analyst recommendations
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