Bread Financial Posts Strong Q1 but Analysts See Limited Upside

Earnings
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Summary · why it matters

Bread Financial Holdings reported first-quarter earnings that blew past analyst forecasts, with adjusted earnings per share of $4.18 versus the $3 consensus and revenue of $1.02 billion, up 5% year-over-year. Net income climbed 32% to $181 million, while credit quality improved as delinquency and net charge-off rates fell 34 and 83 basis points respectively. The company launched new credit card programs with Ford and Ethan Allen, added installment loan partners including AAA and Dell, and grew direct-to-consumer deposits 10% to $8.7 billion, now funding 48% of the balance sheet. Despite the strong results and a stock rally of more than 35% year-to-date, analysts have an average 12-month price target of $96.42, roughly 5% below current levels, with a Moderate Buy consensus rating. Economic uncertainty and a richer valuation leave the remaining upside in question.

Impact on stocks 6

Consumer Discretionary▲ · 2 stocks
Digital Finance & Tokenization▲ · 1 stocks
Bread Financial Holdings, Inc.
BFH
▲ PositiveCapitalrelevance

Q1 earnings beat estimates with EPS $4.18 vs $3 consensus, revenue up 5%, net income up 32%, and credit quality improved.

Artificial Intelligence▲ · 1 stocks
Electrification & Mobility▲ · 1 stocks
Ford Motor Company
F
▲ PositiveDemandrelevance

Bread Financial launched a new credit card program with Ford

Financials▲ · 1 stocks

Off-coverage companies 1

American Automobile Association (AAA)Private± Mixed
relevance

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