GURU.Markets stock price, segment price, and overall market index valuation
The company's share price Bread Financial
Bread Financial (formerly Alliance Data) is a provider of co-branded credit cards and loyalty programs for retailers. Its stock price is driven by consumer spending and the ability of its retail partners to attract customers, as well as the risks associated with consumer lending.
Share prices of companies in the market segment - Consumer lending
Bread Financial is a provider of co-branded credit cards and loyalty programs. We classify it as part of the consumer lending sector, and the chart below illustrates the overall dynamics of this market, which is dependent on consumer spending and risk.
Broad Market Index - GURU.Markets
Bread Financial is a technology-based financial company that provides co-branded credit cards, loyalty programs, and other lending solutions. Its focus on consumer lending makes it a prominent player in the GURU.Markets index. The chart below represents the entire market. Find out how Bread Financial compares to it.
Change in the price of a company, segment, and market as a whole per day
BFH - Daily change in the company's share price Bread Financial
Price fluctuations at Bread Financial, a co-branded credit card provider, reflect the state of consumer lending. Change_co demonstrates sensitivity to consumer spending and default rates. This metric is an important component of formulas at System.GURU.Markets that analyze the consumer finance sector.
Daily change in the price of a set of shares in a market segment - Consumer lending
Bread Financial Holdings, Inc. is a consumer finance company. This chart highlights the high volatility of the financial sector. Comparing it to BFH, which focuses on co-branded credit cards, helps assess its sensitivity to the state of the retail industry.
Daily change in the price of a broad market stock, index - GURU.Markets
Bread Financial (formerly Alliance Data) is a provider of loyalty programs and co-branded credit cards. Its business is highly dependent on the health of its retail sector and consumer creditworthiness. The chart below shows the volatility of the financial sector, reflecting these risks.
Dynamics of market capitalization of the company, segment and the market as a whole over 12 months
Annual dynamics of the company's market capitalization Bread Financial
Bread Financial is a financial services company specializing in co-branded credit cards and loyalty programs for retailers. Its year-over-year performance provides an accurate barometer of the financial health of the American consumer and the state of the retail industry.
Annual dynamics of market capitalization of the market segment - Consumer lending
Bread Financial Holdings, Inc. is a technology-based financial services company specializing in co-branded credit cards and loyalty programs for retailers. Its business is closely tied to the health of the retail industry and consumer creditworthiness, as reflected in the chart.
Annual dynamics of market capitalization of broad market stocks, index - GURU.Markets
Bread Financial, a co-branded credit card company, is a pure bet on consumer spending. Its stock performance is closely tied to employment and retail sales. The chart is a barometer of the financial health of the American consumer, increasingly reflecting all phases of the economic cycle.
Dynamics of market capitalization of the company, segment and the market as a whole for the month
Monthly dynamics of the company's market capitalization Bread Financial
Bread Financial (formerly Alliance Data), a provider of co-branded credit cards and loyalty programs for retailers. The monthly fluctuations on the chart reflect consumer spending, credit card delinquency rates, and the overall health of the retail industry.
Monthly dynamics of market capitalization of the market segment - Consumer lending
Bread Financial Holdings is a technology-based financial services company offering co-branded and private label credit cards, as well as loyalty programs. Its sector dynamics, shown in the chart, reflect consumer spending and credit risk. This allows us to assess how partnerships with established retailers and data analytics impact its business.
Monthly dynamics of market capitalization of broad market stocks, index - GURU.Markets
Bread Financial (formerly Alliance Data) is a provider of co-branded credit cards and loyalty programs for retailers. Its business is a barometer of consumer health. The chart below shows how sharply the company's shares, reflecting the risks of consumer lending, fell during periods of recession fears, outperforming the broader market.
Dynamics of market capitalization of the company, segment and the market as a whole for the week
Weekly dynamics of the company's market capitalization Bread Financial
Bread Financial, a provider of co-branded credit cards and loyalty programs, is a proxy for consumer spending. Weekly price movements are directly influenced by retail sales data, household debt levels, and news from partner retailers. The chart below shows how these short-term factors influence the company's valuation.
Weekly dynamics of market capitalization of the market segment - Consumer lending
Is Bread Financial outperforming its consumer lending sector? This chart compares the retail credit card company's weekly stock performance with the industry average. This allows us to assess whether it reacts more sharply to retail sales data than traditional banks or follows broader trends.
Weekly dynamics of market capitalization of stocks of the broad market, index - GURU.Markets
Bread Financial (formerly Alliance Data) manages loyalty programs and issues credit cards for retailers. Its business is highly dependent on the health of retailers and consumer creditworthiness. This chart compares its weekly performance to the market, demonstrating its high sensitivity to consumer sentiment.
Market capitalization of the company, segment and market as a whole
BFH - Market capitalization of the company Bread Financial
The chart below shows how investors view Bread Financial's co-branded credit card and loyalty program business. The company's market capitalization depends on consumer spending and the ability of its retail partners to attract customers. The dynamics reflect the health of the retail industry and the creditworthiness of the population.
BFH - Share of the company's market capitalization Bread Financial within the market segment - Consumer lending
Bread Financial is a technology-enabled financial services company that provides co-branded credit cards and loyalty programs to retailers. Its share of the consumer finance sector's market cap reflects its deep integration into the retail industry. The chart shows how investors view its brand partnerships and consumer spending.
Market capitalization of the market segment - Consumer lending
This chart shows the total value of companies specializing in consumer lending and loyalty programs. Bread Financial is a major player issuing credit cards for retailers. The dynamics in the chart reflect consumer health and their willingness to spend.
Market capitalization of all companies included in a broad market index - GURU.Markets
The chart below shows the market valuation of the company behind loyalty programs and credit cards for many well-known brands. Bread Financial's market capitalization reflects the weight of the technologies that help retailers retain customers. The dynamics demonstrate how "invisible" financial services are forming a significant share of the economy.
Book value capitalization of the company, segment and market as a whole
BFH - Book value capitalization of the company Bread Financial
Bread Financial's core asset is its loan portfolio. The chart below shows how the value of loans issued under loyalty programs and co-branded cards has changed. The growth of this line directly reflects the increase in consumer lending, which is the core of the company's business.
BFH - Share of the company's book capitalization Bread Financial within the market segment - Consumer lending
Unlike traditional banks, Bread Financial's physical infrastructure is minimal. Its business of providing credit solutions and co-branded cards relies on IT platforms rather than a branch network. The chart shows its small share of tangible assets, emphasizing its digital and partnership-based business model.
Market segment balance sheet capitalization - Consumer lending
Bread Financial is a company that provides co-branded credit cards and loyalty programs. Its business isn't about stores, but rather about data and financial technology. It's a "lightweight" model compared to partner retailers. The chart below shows the total material weight of the entire consumer lending industry.
Book value of all companies included in the broad market index - GURU.Markets
Bread Financial's assets include a large portfolio of loans issued through loyalty programs and co-branded credit cards. The company's book value reflects the amount of capital it provides to drive retail sales. The chart shows its weight in the consumer lending sector.
The ratio of market capitalization to book capitalization of a company, segment, and the market as a whole
Market capitalization to book capitalization ratio - Bread Financial
Bread Financial (formerly Alliance Data) provides private-label lending and loyalty programs. Its value lies not in its physical assets, but in its consumer data, retail partnerships, and technology platform. The chart shows how the market evaluates its ability to manage credit risk and monetize purchase data.
Market to book capitalization ratio in a market segment - Consumer lending
Bread Financial provides consumer lending services, including retail-branded credit cards. The company's value is determined by the quality of its loan portfolio and its technology platform. This chart shows how investors assess the risk and return of this portfolio in the current economic environment.
Market to book capitalization ratio for the market as a whole
Bread Financial (formerly Alliance Data) provides credit cards and loyalty programs to retailers. This chart shows how the market values this company, which operates at the intersection of finance and marketing. Its value is determined by the size of its loan portfolio, the quality of its borrowers, and the strength of its relationships with retail partners, which generates a premium to its net assets.
Debts of the company, segment and market as a whole
BFH - Company debts Bread Financial
Bread Financial provides co-branded credit cards and loyalty programs to retailers. The company's business model requires significant capital to finance its loan portfolio. Debt is a vital resource, allowing the company to grow alongside its partners, as demonstrated by the dynamics in this chart.
Market segment debts - Consumer lending
Bread Financial (formerly Alliance Data) provides consumer lending services, including retail-branded credit cards. For this business, access to capital is vital to funding its loan portfolio. This chart shows the typical debt load for financial companies, where managing leverage and default risk is a core competency.
Market debt in general
Debt to book value of the company, segment and market as a whole
The company's debt to book capitalization ratio Bread Financial
Bread Financial (formerly Alliance Data) provides consumer-focused financial services, including co-branded credit cards and loyalty programs. Lending is inherently risky and requires capital. This chart shows the company's leverage, which is critical for assessing its resilience to rising defaults.
Market segment debt to market segment book capitalization - Consumer lending
Bread Financial provides co-branded credit cards and loyalty programs to retailers. Its business model requires significant capital for lending. This chart compares the company's debt to the total capitalization of the entire consumer lending sector, clearly demonstrating the scale of its operations in partnership with retailers.
Debt to book value of all companies in the market
Bread Financial, operating in the consumer lending sector, is directly dependent on the financial health of the population. This chart compares the company's debt to the total book value of the entire economy. It clearly shows how this major lender's risks correlate with overall economic cycles and consumer sentiment.
P/E of the company, segment and market as a whole
P/E - Bread Financial
This chart shows the valuation of Bread Financial, a provider of financial services and loyalty programs for retailers. For a company whose business is focused on consumer lending, this metric is sensitive to the state of the economy and unemployment. It reflects investors' assessment of the risks associated with the loan portfolio and the growth potential of the partner network.
P/E of the market segment - Consumer lending
This chart shows the average valuation for the consumer lending sector, where Bread Financial competes. This metric is an indicator of how investors generally assess the risks and prospects of companies working with private borrowers. It helps us understand whether Bread Financial is valued at a premium or discount to its peers.
P/E of the market as a whole
Bread Financial is a technology-based financial services company that provides co-branded credit cards and loyalty programs for leading retailers. The company helps brands build relationships with customers. This sentiment chart provides insight into investor sentiment in the consumer finance sector.
Future P/E of the company, segment and market as a whole
Future (projected) P/E of the company Bread Financial
Bread Financial provides co-branded credit cards and loyalty programs to retailers. Its success depends on consumer spending and borrowers' creditworthiness. This chart shows how investors assess the company's future earnings, weighing the potential growth of the loan portfolio against the risk of potential defaults.
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Future (projected) P/E of the market segment - Consumer lending
Bread Financial is a technology company providing financial services, including co-branded and proprietary credit cards, as well as installment payment solutions and loyalty programs for retailers. This chart shows average profitability expectations in the consumer finance sector, helping to assess Bread Financial's position amid changes in the fintech industry.
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Future (projected) P/E of the market as a whole
Bread Financial (formerly Alliance Data) provides co-branded credit cards and loyalty programs to retailers. Its business is directly dependent on the health of the retail industry and consumer spending. This chart of overall market expectations is a good indicator of consumer confidence, which drives the company's business.
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Profit of the company, segment and market as a whole
Company profit Bread Financial
Bread Financial provides consumer lending services, including retail-branded credit cards and loyalty programs. The company's profitability is directly dependent on consumer spending and its ability to effectively manage credit risk. This chart shows how purchasing activity and delinquency levels impact financial results.
Profit of companies in the market segment - Consumer lending
Bread Financial Holdings provides personalized technology solutions in payments and lending, including co-branded credit cards and BNPL. This chart reflects the profitability of the consumer lending sector. The company's success depends on its partnerships with retailers and consumer activity. These results demonstrate how technology is changing the retail finance landscape.
Overall market profit
Bread Financial provides co-branded credit cards and loyalty programs to retailers. Its business is directly dependent on consumer spending. When the economy grows and corporate profits increase, as the graph shows, people spend more, leading to increased card transactions and increased revenue for Bread Financial.
Future (predicted) profit of the company, segment and market as a whole
Future (projected) profit of the company Bread Financial
Bread Financial is a technology-based financial company specializing in co-branded credit cards, loyalty programs, and payment plan solutions. This chart reflects analysts' earnings forecasts, which are influenced by consumer spending, retail partnerships, and credit risk. It is an indicator of the health of the retail industry.
%20profit%20of%20the%20company%20Bread%20Financial&width=1500&height=450&colorIndex=41&filename=GURU_Markets_-_Graph-of-future-projected-profit-of-the-company-Bread-Financial&v=1772361218366 "Graph of future (projected) profit of the company Bread Financial")
Future (predicted) profit of companies in the market segment - Consumer lending
Bread Financial Holdings provides personalized technology solutions for payments and lending, including co-branded credit cards and BNPL. This chart shows profitability forecasts for the consumer lending sector. It reflects expectations for consumer activity and demand for the lending products that form the core of Bread Financial's business.
%20profits%20of%20companies%20in%20a%20market%20segment%20-%20Consumer%20lending&width=1500&height=450&colorIndex=42&filename=GURU_Markets_-_Graph-of-future-predicted-profits-of-companies-in-a-market-segment-Consumer-lending&v=1772361218371 "Graph of future (predicted) profits of companies in a market segment - Consumer lending")
Future (predicted) profit of the market as a whole
Bread Financial provides co-branded credit cards and loyalty programs for retailers. The company's success is directly dependent on consumer spending. This graph, which reflects corporate profit expectations, is an indicator of consumer health. Rising forecasts signal an upcoming increase in retail sales, which translates into increased transactions on Bread cards.
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P/S of the company, segment and market as a whole
P/S - Bread Financial
Bread Financial is a technology-based financial company specializing in co-branded credit cards and loyalty programs. A company's P/S ratio reflects how investors value its retail partnerships and its ability to generate revenue from consumer lending. It's a valuation of every dollar earned at the intersection of finance and retail.
P/S market segment - Consumer lending
Bread Financial (formerly Alliance Data) provides payment and credit solutions, including co-branded credit cards for retailers and loyalty programs. Their revenue is driven by consumer spending and credit health. This chart shows how the market evaluates their partnerships and risk management capabilities compared to other card issuers.
P/S of the market as a whole
Bread Financial provides consumer lending services, including retail-branded credit cards and cashback programs. The company's revenue is driven by consumer spending and credit risk. This chart shows the average revenue estimate across the market, helping to understand the discount investors are factoring in for risk in the consumer lending sector.
Future P/S of the company, segment and market as a whole
Future (projected) P/S of the company Bread Financial
Bread Financial provides co-branded credit card and loyalty program solutions for retailers. Its revenue depends on consumer spending and partner health. This chart illustrates investor expectations for future card transaction volume and interest income, which are a barometer of consumer activity.
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Future (projected) P/S of the market segment - Consumer lending
Bread Financial Holdings, formerly Alliance Data, provides co-branded and proprietary credit cards, as well as loyalty marketing solutions, to major retailers. This chart shows how the market estimates the company's future interest and fee income compared to other firms in the consumer finance industry, reflecting the state of the retail industry and consumer credit health.
%20P%2FS%20market%20segment%20graph%20-%20Consumer%20lending&width=1500&height=450&colorIndex=48&filename=GURU_Markets_-_Future-projected-PS-market-segment-graph-Consumer-lending&v=1772361218383 "Future (projected) P/S market segment graph - Consumer lending")
Future (projected) P/S of the market as a whole
Bread Financial provides consumer finance services, including credit cards under retail brands. Its business is directly dependent on consumer activity and the ability of the population to service debt. This chart shows the aggregate market expectations for future revenue, and BFH serves as an indicator of consumer financial health, which is the foundation of the economy.
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Sales of the company, segment and market as a whole
Company sales Bread Financial
Bread Financial (formerly Alliance Data) provides consumer-focused financial services, including co-branded credit cards, loyalty programs, and payment plan solutions. This chart shows revenue, which consists of credit card interest income and retail partner fees. Growth is driven by consumer spending and new partnerships.
Sales of companies in the market segment - Consumer lending
Bread Financial is a technology-based financial company specializing in co-branded credit cards and loyalty programs. This chart breaks down its revenue, showing interest income from its loan portfolio and affiliate commissions. This helps assess both the credit risk and the profitability of its affiliate programs.
Overall market sales
Bread Financial provides consumer lending services, including retail-branded credit cards. Debt levels and consumer spending are directly linked to the state of the economy. This graph is a key indicator for the company: during periods of growth, people spend more, but during periods of recession, the risk of loan default increases.
Future sales volume of the company, segment and market as a whole
Future (projected) sales of the company Bread Financial
Bread Financial provides private label lending services to retailers (store credit cards) and loyalty programs. Its revenue forecast is closely tied to consumer spending and the health of the retail industry. This chart shows how analysts assess consumer willingness to purchase on credit.
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Future (projected) sales of companies in the market segment - Consumer lending
Bread Financial (formerly Alliance Data) provides credit and marketing services, including co-branded credit cards. This chart illustrates the revenue forecast for the entire consumer lending sector. It reflects expectations for consumer spending and demand for credit products, which directly impacts Bread Financial's transaction volumes and interest income.
%20sales%20of%20companies%20in%20the%20market%20segment%20-%20Consumer%20lending&width=1500&height=450&colorIndex=54&filename=GURU_Markets_-_Schedule-of-future-projected-sales-of-companies-in-the-market-segment-Consumer-lending&v=1772361218388 "Schedule of future (projected) sales of companies in the market segment - Consumer lending")
Future (projected) sales of the market as a whole
Bread Financial provides co-branded credit cards and loyalty programs for retailers. The company's success is directly dependent on consumer spending volumes. This chart serves as a barometer of purchasing activity. When consumers are confident about the future, they are more likely to purchase on credit, which increases transaction volume and interest income for Bread Financial.
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Marginality of the company, segment and market as a whole
Company marginality Bread Financial
Bread Financial provides consumer lending services, including co-branded credit cards for retailers. This chart reflects the profitability of the lending business. The company's ability to generate profit depends on the difference between interest income and the cost of funding, as well as on its ability to accurately assess and manage credit risk.
Market segment marginality - Consumer lending
Bread Financial provides co-branded and proprietary credit cards, as well as loyalty programs for retailers. This metric reflects its ability to manage consumer credit risk. Its higher profitability than competitors reflects its efficient underwriting, strong partnerships, and the value of its data.
Market marginality as a whole
Bread Financial provides consumer lending services, including retail-branded credit cards and loyalty programs. The company's business is directly dependent on consumer spending and creditworthiness. This graph of overall economic profitability is an indicator of consumer health, a key driver of Bread Financial's growth and risk.
Employees in the company, segment and market as a whole
Number of employees in the company Bread Financial
Bread Financial (formerly Alliance Data) provides consumer lending services, including co-branded credit cards for retailers. The company's growth is driven by the expansion of its partnership programs and the increase in the number of clients served. This chart reflects the scaling of its lending business and technology platform.
Share of the company's employees Bread Financial within the market segment - Consumer lending
Bread Financial is a technology-based financial services company specializing in co-branded credit cards and loyalty programs. This chart reflects its scale in the consumer lending sector through its team. It shows the proportion of data analysts, marketers, and partnership specialists Bread Financial brings together in this niche to serve large retailers.
Number of employees in the market segment - Consumer lending
Bread Financial provides co-branded and proprietary credit cards, as well as loyalty programs for retailers. This chart reflects employment in the consumer lending sector. The growing number of specialists here indicates strong demand from retailers for customer retention and sales promotion tools, the core of Bread Financial's business.
Number of employees in the market as a whole
Bread Financial provides co-branded and proprietary credit cards to retailers. The company's hiring of marketing and data analytics specialists is directly linked to the health of the retail industry and consumer lending. It's a barometer of how actively people are shopping and using credit products.
Market capitalization per employee (in thousands of dollars) of the company, segment, and market as a whole
Market capitalization per employee (in thousands of dollars) of the company Bread Financial (BFH)
Bread Financial provides co-branded credit cards and loyalty programs for retailers. Their business is a fintech company built on data analytics and technology platforms for managing millions of accounts. This chart demonstrates the effectiveness of their model: a small team can manage a huge loan portfolio, resulting in high cost per employee.
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Market capitalization per employee (in thousands of dollars) in the market segment - Consumer lending
Bread Financial (formerly Alliance Data) is a financial technology company. Their core business is issuing private label and co-branded credit cards for retailers. This chart shows the industry average. It helps assess how effective this B2B2C fintech model (risk assessment + marketing) is per employee.
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Market capitalization per employee (in thousands of dollars) for the overall market
Bread Financial provides consumer lending services, including retail-branded credit cards and loyalty programs. This business requires sophisticated technology to assess risks and process transactions. This chart reflects how investors view the company's ability to effectively leverage technology to scale its loan portfolio.
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Profit per employee (in thousands of dollars) for the company, segment, and market as a whole
Profit per employee (in thousands of dollars) of the company Bread Financial (BFH)
Bread Financial (formerly Alliance Data) specializes in co-branded credit cards (cards for specific retailers) and marketing solutions. It's a data analytics and consumer risk management business. This chart shows how effectively the company's analysts and marketers manage credit portfolios, profiting from partnerships with retailers.
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Profit per employee (in thousands of dollars) in the market segment - Consumer lending
Bread Financial is a B2B fintech. Behind the scenes, they issue and service co-branded credit cards for retailers. This chart shows the benchmark for Consumer Lending. In this sector (B2B2C), the benchmark is high. Revenue per employee is generated by the IT platform that manages millions of cards and credit risk.
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Profit per employee (in thousands of dollars) for the market as a whole
Bread Financial is a technology company providing financial services. Their core business is co-branded credit cards (for example, for retailers) and loyalty programs. They are a B2B fintech. This indicator, which shows the average contribution of one employee to profit, allows us to assess the efficiency of this consumer lending sector.
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Sales to employees of the company, segment and market as a whole
Sales per company employee Bread Financial (BFH)
Bread Financial provides lending services and loyalty programs for retailers. This chart demonstrates the effectiveness of its fintech platform. High revenue per employee is achieved through automated credit scoring and partnerships with major retail chains, enabling the company to process millions of transactions.
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Sales per employee in the market segment - Consumer lending
Bread Financial (formerly Alliance Data) specializes in co-branded credit cards and loyalty programs for retailers. Their business is fintech and marketing. This chart shows the average revenue per employee in this segment. It reflects how effectively the BFH team manages loan portfolios and partnerships compared to other card issuers.
Sales per employee for the market as a whole
Bread Financial (BFH) provides consumer financial solutions, including co-branded credit cards and BNPL. It's a fintech business built on data analytics and partnerships with retailers. This metric demonstrates how effectively their platform manages credit risk and generates interest income. High scores indicate a high degree of automation.
Short shares by company, segment and market as a whole
Shares shorted by company Bread Financial (BFH)
Bread Financial (formerly Alliance Data) specializes in co-branded credit cards (cards for specific retailers) and marketing solutions. This chart highlights concerns about their business model. Bears are betting that rising credit card delinquencies (especially in retail) and a general slowdown in consumer spending will hurt the company's revenue.
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Shares shorted by market segment - Consumer lending
Bread Financial (formerly Alliance Data) provides co-branded credit cards for retailers (in-store loans) and loyalty program solutions. This business is consumer debt. This chart shows the pessimism in the sector. The increase in short positions is a direct bet that consumers will be unable to service their credit card debt due to the recession, leading to increased losses.
Shares shorted by the overall market
Bread Financial (BFH) is a technology company that provides financial services, primarily co-branded credit cards for retailers. Their revenue depends on consumer spending. This chart measures overall market fear. A rise in this indicator signals that investors are worried about a decline in retail sales and rising unemployment. This is a double whammy: less card spending and more loan defaults.
RSI 14 indicator for a company, segment, and market as a whole
The company's RSI 14 indicator Bread Financial (BFH)
Bread Financial (formerly Alliance Data) provides co-branded credit cards to retailers. The business is extremely sensitive to consumer spending and credit risk. This chart shows a BFH above 70, which may reflect strong lending growth. A BFH below 30 is often associated with fears of a recession and rising defaults.
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RSI 14 Market Segment - Consumer lending
Bread Financial (formerly Alliance Data) is a technology company that provides co-branded credit cards and loyalty programs for retailers (such as Victoria's Secret). This metric measures the overall "temperature" of the consumer lending sector. It helps understand whether the entire segment is oversold due to concerns about rising delinquencies.
RSI 14 for the overall market
Bread Financial (BFH) manages loyalty programs and co-branded credit cards for retailers. This chart is an indicator of consumer spending and credit risk. In times of euphoria, people spend, but in times of panic, they not only stop spending but also stop paying their cards, which deals BFH a double whammy.
Analyst consensus forecast for the company's share price, the segment, and the market as a whole
Analyst consensus stock price forecast BFH (Bread Financial)
Bread Financial is a technology-based financial company specializing in co-branded credit cards (for retailers) and buy-now-pay-later solutions. This chart reflects the collective opinion of experts. Analysts assess loan portfolio growth, consumer spending, and default risks in the private credit card segment.
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The difference between the consensus estimate and the actual stock price BFH (Bread Financial)
Bread Financial (formerly Alliance Data) is a financial services company specializing in private label (PLCC) and co-branded credit cards for retailers. They issue cards for Victoria's Secret, Ulta, and others. This chart shows how analysts assess the credit risk in their portfolio, which is heavily weighted toward subprime borrowers. It reflects the gap between the target price and the current price.
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Analyst consensus forecast for stock prices by market segment - Consumer lending
Bread Financial (formerly Alliance Data) is the "invisible" bank behind your favorite retailers' credit cards (co-branded cards). Its business is consumer credit. This chart shows general expectations for the sector. It reflects whether experts believe consumers will be able to service their store-branded credit cards.
Analysts' consensus forecast for the overall market share price
Bread Financial (BFH) is a fintech company specializing in co-branded credit cards and loyalty programs for retailers. These programs help stores (like Victoria's Secret) retain customers. This chart shows economic expectations. It reflects analysts' confidence in consumer health and their ability to service credit card debt.
AKIMA index of the company, segment and market as a whole
AKiMA Company Index Bread Financial
Bread Financial (formerly Alliance Data) is a technology-based bank. Their core business is co-branded credit cards (e.g., cards for retailers) and loyalty programs. This chart is a barometer of consumer lending. It likely reflects the volume of spending on their cards and, more importantly, the quality of their loan portfolio (delinquency rate).
AKIMA Market Segment Index - Consumer lending
Bread Financial (BFH) is a leader in co-branded and private label credit cards (like Synchrony); the company manages loyalty programs and cards for retailers (NFL, Victoria's Secret). This composite metric evaluates financial companies. The graph shows the sector average. This benchmark: how does BFH's niche (B2B2C) model differentiate it from the average competitor?
The AKIM Index for the overall market
Bread Financial (BFH) is a fintech company (formerly Alliance Data) that manages co-branded and proprietary credit cards for retailers. It's a clear bet on consumer health. This chart, which reflects the market average, provides a macro backdrop. It helps assess how BFH, which is dependent on delinquencies and interest rates, compares to the overall economic situation.
