Core Viewpoint - Bread Financial Holdings, Inc. will host a conference call on January 29, 2026, to discuss its fourth quarter and full year 2025 results [1]. Group 1: Conference Call Details - The conference call is scheduled for 8:30 a.m. ET on January 29, 2026 [1]. - Participants can register in advance and the call will be available on the company's investor relations website [2]. - Analysts wishing to participate in the Q&A must also register in advance [2]. Group 2: Company Overview - Bread Financial is a tech-forward financial services company providing personalized payment, lending, and saving solutions to millions of U.S. consumers [3]. - The company offers general purpose credit cards and savings products, aiming to empower customers and enhance their quality of life [3]. - Bread Financial collaborates with recognized brands in various sectors, including travel, health, and specialty apparel, through private label and co-brand credit cards [3]. Group 3: Company Milestone - Bread Financial celebrates 30 years of success in 2026 [4].

Core Insights - Bread Financial Holdings, Inc. (BFH) shares have increased by 22.6% over the last six months, outperforming the Finance sector and the Zacks S&P 500 composite, which grew by 5.9% and 11.8% respectively, while the Zacks Financial - Miscellaneous Services industry declined by 12% [1] - The stock closed at $74.03, close to its 52-week high of $78.98, indicating strong investor confidence and potential for further price appreciation [1] Company Performance - BFH has a market capitalization of $3.37 billion, with an average trading volume of 0.7 million shares over the last three months [2] - The company has consistently beaten earnings estimates in the last four quarters, with an average surprise of 55.17% [2] Technical Analysis - The stock is trading above its 50-day and 200-day simple moving averages of $68.29 and $58.93, respectively, indicating solid upward momentum [3] Growth Projections - BFH anticipates credit sales growth driven by strong consumer spending, new partnerships, and holiday demand, with average loans expected to rise alongside higher credit sales [5][11] - The Zacks Consensus Estimate projects a 34% year-over-year increase in earnings per share for 2025, with a 3.3% revenue increase expected in 2026 [7] Analyst Sentiment - Analysts have raised their earnings estimates for BFH, with a 0.4% increase for 2025 and a 0.1% increase for 2026 over the past 30 days [8] Strategic Investments - The company is investing in digital innovation, technology, and marketing to drive growth, with a focus on enhancing its digital capabilities [12] - BFH is also strengthening its balance sheet by lowering debt and plans to pay down $100 million in 2026 bonds this year [13] Shareholder Value - The company is committed to returning value to shareholders through share repurchases and is focusing on mergers and acquisitions [14] Long-term Outlook - Robust credit sales, disciplined risk management, and strong consumer spending are expected to favor BFH in the long term, supported by a favorable VGM Score of A [15][16]

分组1 - The article discusses the recent addition of Bread Financial Holdings (BFH) to the exchange, highlighting the Arbitrage Trader led by Denislav Iliev, who has over 15 years of day trading experience [1] - Denislav Iliev leads a team of 40 analysts focused on identifying mispriced investments in fixed-income and closed-end funds using straightforward financial logic [1] - The investing group Trade With Beta offers features such as frequent picks for mispriced preferred stocks and baby bonds, weekly reviews of over 1200 equities, IPO previews, hedging strategies, and an actively managed portfolio [1]

Group 1 - Bread Financial Holdings (BFH) has shown strong year-to-date performance, returning approximately 27.7%, outperforming the average gain of 16.7% in the Finance sector [4] - The Zacks Rank for Bread Financial Holdings is currently 1 (Strong Buy), indicating a positive outlook based on earnings estimates and revisions [3] - Over the past three months, the Zacks Consensus Estimate for BFH's full-year earnings has increased by 22.1%, reflecting improved analyst sentiment [4] Group 2 - Bread Financial Holdings is part of the Financial - Miscellaneous Services industry, which has an average loss of 4.9% this year, highlighting BFH's superior performance [6] - In comparison, Bank of Nova Scotia (BNS), another Finance sector stock, has a year-to-date return of 35% and a Zacks Rank of 2 (Buy) [5] - The Banks - Foreign industry, which includes Bank of Nova Scotia, has seen a significant increase of 53.3% since the beginning of the year [7]

Company Performance - Bread Financial Holdings (BFH) shares have increased by 25.2% over the past month, reaching a new 52-week high of $76.66 [1] - Year-to-date, the stock has gained 24.2%, outperforming the Zacks Finance sector's 16.1% increase and the Zacks Financial - Miscellaneous Services industry's decline of 4.8% [1] Earnings and Revenue - In the last earnings report on October 23, 2025, Bread Financial reported an EPS of $4.02, significantly exceeding the consensus estimate of $2.11, and beat the revenue estimate by 0.46% [2] - For the current fiscal year, earnings are expected to be $10.19 per share with revenues of $3.82 billion, reflecting a 34.08% increase in EPS but a slight decrease of 0.47% in revenues [3] - For the next fiscal year, projected earnings are $9.19 per share on revenues of $3.95 billion, indicating a year-over-year decline of 9.77% in EPS but a growth of 3.28% in revenues [3] Valuation Metrics - Bread Financial has a Value Score of A, a Growth Score of C, and a Momentum Score of A, resulting in a combined VGM Score of A [6] - The stock trades at 7.4X current fiscal year EPS estimates, below the peer industry average of 12.2X, and at 6.4X trailing cash flow compared to the peer group's average of 10.1X [7] - The PEG ratio stands at 0.48, positioning the company favorably among value investors [7] Zacks Rank - Bread Financial holds a Zacks Rank of 1 (Strong Buy), supported by a positive earnings estimate revision trend [8] - The stock aligns with the recommendation for investors to select stocks with a Zacks Rank of 1 or 2 and Style Scores of A or B, indicating potential for future growth [9] Industry Comparison - Acadian Asset Management Inc. (AAMI), a peer in the industry, has a Zacks Rank of 2 (Buy) and shows strong earnings performance, having beaten consensus estimates by 4.11% [10][11] - AAMI is expected to post earnings of $4.72 per share on revenues of $621.54 million for the current fiscal year [11] - The Financial - Miscellaneous Services industry is performing well, with both BFH and AAMI benefiting from favorable market conditions [12]

Core Insights - Two stocks with strong value characteristics and buy rankings are highlighted for investors: Bread Financial Holdings, Inc. and F&G Annuities & Life, Inc. [1][2] Company Summaries - **Bread Financial Holdings, Inc. (BFH)**: - A tech-forward financial services company providing payment and lending solutions - Carries a Zacks Rank 1 - Current year earnings estimate has increased by 22.2% over the last 60 days - Price-to-earnings ratio (P/E) is 7.30, significantly lower than the industry average of 12.30 - Possesses a Value Score of A [1][2] - **F&G Annuities & Life, Inc. (FG)**: - Focuses on fixed annuities and life insurance products - Also carries a Zacks Rank 1 - Current year earnings estimate has increased by 15% over the last 60 days - Price-to-earnings ratio (P/E) is 8.40, compared to the industry average of 11.10 - Possesses a Value Score of A [2]

Core Insights - Three stocks are highlighted with a buy rank and strong income characteristics for investors to consider on December 17 Group 1: Bank of N.T. Butterfield & Son Limited (NTB) - The company provides a range of community, commercial, and private banking services [1] - The Zacks Consensus Estimate for its current year earnings has increased by 5.1% over the last 60 days [1] - The company has a dividend yield of 3.9%, compared to the industry average of 2.7% [1] Group 2: F&G Annuities & Life, Inc. (FG) - The company specializes in fixed annuities and life insurance products [2] - The Zacks Consensus Estimate for its current year earnings has increased by 15% over the last 60 days [2] - The company has a dividend yield of 2.5%, compared to the industry average of 1.6% [2] Group 3: Bread Financial Holdings, Inc. (BFH) - The company is a tech-forward financial services provider offering payment and lending solutions [3] - The Zacks Consensus Estimate for its current year earnings has increased by 22.2% over the last 60 days [3] - The company has a dividend yield of 1.2%, compared to the industry average of 0.0% [3]

Group 1 - F&G Annuities & Life, Inc. (FG) has seen a 15% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - Amphenol Corporation (APH) has experienced an 8.6% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] - Lightspeed Commerce Inc. (LSPD) has reported a 9.8% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] - Allot Ltd. (ALLT) has seen a significant 57.1% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [3] - Bread Financial Holdings, Inc. (BFH) has experienced a 22.2% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [3]

Core Insights - Bread Financial Holdings (BFH) has attracted attention from investors, with Morgan Stanley setting a price target of $57, indicating a potential decrease of approximately -24.04% from its current trading price of $75.04 [1][5] - Zacks Investment Research identifies BFH as a top pick for momentum investors, awarding it a Momentum Style Score of A, which reflects strong recent price trends [2][5] - BFH's current stock price is $75, showing a slight increase of $0.65 or approximately 0.87%, with a trading range over the past year between $38.21 and $75.83, highlighting its volatility [3][5] Market Metrics - BFH has a market capitalization of approximately $3.42 billion, indicating its significant size and presence in the market [4] - The trading volume for BFH today is 32,721 shares, providing insight into the stock's liquidity and investor interest [4]

Core Viewpoint - Momentum investing focuses on following a stock's recent price trends, aiming to buy high and sell higher, with the expectation that established trends will continue [1] Company Overview: Bread Financial Holdings (BFH) - BFH currently holds a Momentum Style Score of A, indicating strong momentum characteristics [2] - The company has a Zacks Rank of 2 (Buy), suggesting it is positioned for potential outperformance in the market [3] Performance Metrics - Over the past week, BFH shares increased by 3.3%, while the Zacks Financial - Miscellaneous Services industry remained flat [5] - In a longer timeframe, BFH's monthly price change is 20.44%, significantly outperforming the industry's 0.96% [5] - Over the past quarter, BFH shares rose by 17.54%, and over the last year, they gained 14.28%, compared to the S&P 500's increases of 4% and 14.09%, respectively [6] Trading Volume - BFH's average 20-day trading volume is 749,360 shares, which serves as a bullish indicator when combined with rising stock prices [7] Earnings Outlook - In the last two months, three earnings estimates for BFH have been revised upwards, with no downward revisions, boosting the consensus estimate from $8.33 to $10.18 [9] - For the next fiscal year, six estimates have also moved higher, indicating positive sentiment around BFH's earnings potential [9] Conclusion - Given the strong performance metrics and positive earnings outlook, BFH is identified as a promising momentum pick with a Momentum Score of A and a Zacks Rank of 2 (Buy) [11]