Seaport Global analyst Bill Ryan maintains $Bread Financial (BFH.US)$ with a buy rating, and adjusts the target price from $58 to $56.
According to TipRanks data, the analyst has a success rate of 57.1% and a total average return of 4.1% 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 for Bread Financial held few surprises, and the company's outlook for the full year remained steady. The stocks' slight underperformance is linked to ongoing uncertainties regarding the timing of improvements in credit loss rates. Industry-wide factors such as a gradual economic downturn, recent credit tightening, and decelerated loan growth are anticipated to positively influence loss rates, especially in the latter half of 2025. Additionally, Bread Financial's projections for reserve rates suggest that the losses in 2025 should align with or outperform those of 2024.
Bread Financial's Q3 earnings surpassed expectations primarily due to reduced expenditures. While the credit performance for fiscal 2024 seems to align with the present guidance, preliminary insights into 2025 suggest minimal enhancement in credit quality.
The firm noted that Bread Financial reported a third-quarter shortfall in Net Interest Income, although operational expenditures were favorable; the guidance remained consistent with management observing stability.
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.
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Seaport Global分析師Bill Ryan維持$Bread Financial (BFH.US)$買入評級，並將目標價從58美元下調至56美元。
根據TipRanks數據顯示，該分析師近一年總勝率為57.1%，總平均回報率為4.1%。
此外，綜合報道，$Bread Financial (BFH.US)$近期主要分析師觀點如下：
Bread Financial第三季度的業績並不出人意料，該公司的全年前景保持穩定。這些股票的表現略有不佳，這與信貸損失率提高時機的持續不確定性有關。預計經濟逐步衰退、近期信貸緊縮和貸款增長減速等全行業因素將對損失率產生積極影響，尤其是在2025年下半年。此外，Bread Financial對儲備利率的預測表明，2025年的虧損應與2024年的虧損持平或優於2024年的虧損。
Bread Financial第三季度的收益超出預期，這主要是由於支出減少。儘管2024財年的信貸表現似乎與目前的指導一致，但對2025年的初步見解表明，信貸質量的改善微乎其微。
該公司指出，儘管運營支出良好，但Bread Financial報告稱，第三季度淨利息收入出現短缺；該指引與管理層保持穩定。
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