JMP Securities analyst David Scharf maintains $Bread Financial (BFH.US)$ with a hold rating.
According to TipRanks data, the analyst has a success rate of 50.4% and a total average return of 10.0% 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 from Bread Financial came with minimal surprises, and the company's guidance for the full year remained consistent. The shares' slight underperformance is attributed to ongoing uncertainties about the timing of credit loss rate improvements. The analyst suggests that a gentle economic downturn, recent industry-wide credit tightening, and deceleration in loan growth could foster better loss rates, particularly in the latter half of 2025. Additionally, Bread Financial's projection for their reserve rate suggests that losses in 2025 could align with or even improve upon those in 2024.
Bread Financial's third-quarter earnings surpassed expectations, primarily due to reduced expenses. Its credit performance for fiscal 2024 seems to align with existing projections. However, preliminary insights into 2025 suggest minimal improvement in credit metrics.
Note:
TipRanks, an independent third party, provides analysis data from financial analysts and calculates the Average Returns and Success Rates of the analysts' recommendations. The information presented is not an investment recommendation and is intended for informational purposes only.
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.
TipRanks provides a ranking of each analyst up to 5 stars, which is representative of all recommendations from the analyst. An analyst's past performance is evaluated on a scale of 1 to 5 stars, with more stars indicating better performance. The star level is determined by his/her total success rate and average return.
JMP Securities分析師David Scharf維持$Bread Financial (BFH.US)$持有評級。
根據TipRanks數據顯示，該分析師近一年總勝率為50.4%，總平均回報率為10.0%。
此外，綜合報道，$Bread Financial (BFH.US)$近期主要分析師觀點如下：
Bread Financial的第三季度業績出人意料微乎其微，該公司對全年的指導保持不變。這些股票的表現略有不佳，這是由於信貸損失率提高時機仍然存在不確定性。這位分析師認爲，溫和的經濟衰退、最近的全行業信貸緊縮以及貸款增長的減速可能會促進更好的虧損率，尤其是在2025年下半年。此外，Bread Financial對其存款利率的預測表明，2025年的虧損可能與2024年的虧損持平，甚至有所改善。
Bread Financial第三季度的收益超出預期，這主要是由於支出減少。其2024財年的信貸表現似乎與現有預測一致。但是，對2025年的初步見解表明，信貸指標的改善微乎其微。
提示:
TipRanks為獨立第三方，提供金融分析師的分析數據，並計算分析師推薦的平均回報率和勝率。提供的信息並非投資建議，僅供参考。本文不對評級數據和報告的完整性與準確性做出認可、聲明或保證。
TipRanks提供每位分析師的星級，分析師星級代表分析師所有推薦的過往表現，通過分析師的總勝率和平均回報率综合計算得出，星星越多，則該分析師過往表現越優異，最高爲5颗星。
分析師總勝率為近一年分析師的評級成功次數占總評級次數的比率。評级的成功與否，取決於TipRanks的虚擬投資組合是否從該股票中產生正回報。
總平均回報率為基於分析師的初始評級創建虚擬投資組合，並根據評級變化對組合進行調整，在近一年中該投資組合所獲得的回報率。
