Despite insider purchases, Bread Financial's long-term underperformance and declining EPS have made the market cautious. Its generous dividends have mitigated share price losses, contributing to a higher TSR.
CEO Ralph Andretta says they're proactively addressing regulatory changes ahead of the CFPB's final rule on credit card late fees. The company anticipates peak net loss rates in the first half of the year, with rates in the mid-to-high 8% range.
Despite Bread Financial Holdings' recent gains, shrinking earnings and low P/E are clouding its outlook. Investors see flat share prices ahead due to limited earnings improvement.
$Loyalty Ventures(LYLT.US)$So LYLT was a spin off of$Bread Financial(BFH.US)$(Comenity Bank) or World Capital Bank(World Financial Network Bank) in January 2022, where they raised $250 million from investors. Now LYLT is being bought out by$蒙特利尔银行(BMO.US)$whose parent company is World Capital Bank(Bread Financial) and is owned by Blackrock and Vanguard. So basically they sold LYLT to investors for 250 million dollars and will now buy it back for 50 million. This w...
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Lane Lerche :
So is this a buy now or still going to dip more
Gainers: •$National Vision(EYE.US)$+13.8% (appointed to join S&P SmallCap 600) •$Braze(BRZE.US)$+12.2% (In reaction to earnings/guidance) •$甲骨文(ORCL.US)$+11.7% (In reaction to earnings/guidance) •$TeraWulf(WULF.US)$+7.5% (announced recent financing actions and near-term ramp of digital infrastructure) •$大陆能源(CLR.US)$+7.5% (announces receipt of "take private" proposal from Hamm Family of $70/share) •...
Bread Financial股票讨论区
营收纯粹靠净利息收入,绝大部分是贷款利息收入,非利息部分都是支出,信贷损失准备金波动很大,2021年的净利润暴增主要是准备金比平时少了近10亿,否则2021年可能就亏损了。
近4年平均净利润3.8亿。
近4年资产负债率从94%下降到91.1%,254亿总资产主要由189亿贷款净额和39亿现金组成,231亿总负债主要由138亿客户存款和81亿长期借款组成。39亿现金对138亿存款有一定的挤兑风险。
目前市盈率6.6,市净率0.65,但是商誉和其他无形资产8亿,占净资产22.65亿的35%,刨除掉后市净率为1,低估不多,吸引力不大。
First Republic Bank
The financial markets go down the rabbit hole...
A bunch of Cons
专栏Today's pre-market stock movers: ORCL, CLR, NOK, GRPN and more
• $National Vision(EYE.US)$ +13.8% (appointed to join S&P SmallCap 600)
• $Braze(BRZE.US)$ +12.2% (In reaction to earnings/guidance)
• $甲骨文(ORCL.US)$ +11.7% (In reaction to earnings/guidance)
• $TeraWulf(WULF.US)$ +7.5% (announced recent financing actions and near-term ramp of digital infrastructure)
• $大陆能源(CLR.US)$ +7.5% (announces receipt of "take private" proposal from Hamm Family of $70/share)
•...
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