TD Cowen analyst Moshe Orenbuch maintains $Bread Financial (BFH.US)$ with a hold rating, and adjusts the target price from $57 to $50.
According to TipRanks data, the analyst has a success rate of 68.5% and a total average return of 20.8% over the past year.
Furthermore, according to the comprehensive report, the opinions of $Bread Financial (BFH.US)$'s main analysts recently are as follows:
The Q3 results of Bread Financial held few surprises, with the company maintaining its full-year guidance. The moderate underperformance of the shares is believed to be due to the ongoing uncertainty regarding the timing of credit loss rate improvements. It is anticipated that a gentle economic downturn, coupled with the industry's recent tightening of credit and a deceleration in loan growth, will positively impact loss rates, particularly in the latter half of 2025. Furthermore, Bread Financial's reserve rate projections suggest that the loss rates in 2025 could align with or surpass the levels seen in 2024.
Bread Financial's Q3 earnings surpassed expectations predominantly due to reduced expenditures, and the credit outlook for fiscal 2024 seems to align with existing projections. However, preliminary insights into 2025 suggest only modest enhancements in credit performance.
Bread Financial reported a third-quarter miss in Net Interest Income, although operational expenses were more favorable; guidance remained steady with management observing stability.
Note:
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Success rate is the number of the analyst's successful ratings, divided by his/her total number of ratings over the past year. A successful rating is one based on if TipRanks' virtual portfolio earned a positive return from the stock. Total average return is the average rate of return that the TipRanks' virtual portfolio has earned over the past year. These portfolios are established based on the analyst's preliminary rating and are adjusted according to the changes in the rating.
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TD Cowen分析师Moshe Orenbuch维持$Bread Financial (BFH.US)$持有评级，并将目标价从57美元下调至50美元。
根据TipRanks数据显示，该分析师近一年总胜率为68.5%，总平均回报率为20.8%。
此外，综合报道，$Bread Financial (BFH.US)$近期主要分析师观点如下：
Bread Financial第三季度的业绩并不出人意料，该公司维持其全年预期。据信，这些股票表现适度不佳是由于信用损失率提高的时机仍然存在不确定性。预计温和的经济衰退，加上该行业最近的信贷紧缩和贷款增长的减速，将对损失率产生积极影响，尤其是在2025年下半年。此外，Bread Financial的储备利率预测表明，2025年的亏损率可能达到或超过2024年的水平。
Bread Financial第三季度的收益超出预期，这主要是由于支出减少，而2024财年的信贷前景似乎与现有预测一致。但是，对2025年的初步见解表明，信贷表现仅略有改善。
Bread Financial报告称，尽管运营支出较为有利，但第三季度净利息收入下滑；管理层保持稳定。
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