Bread Financial (BFH) Reports Q4 Earnings: What Key Metrics Have to Say

Bread Financial Holdings (BFH) reported $926 million in revenue for the quarter ended December 2024, representing a year-over-year decline of 9%. EPS of $0.41 for the same period compares to $0.90 a year ago.The reported revenue represents a surprise of -3.33% over the Zacks Consensus Estimate of $957.94 million. With the consensus EPS estimate being $0.33, the EPS surprise was +24.24%.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.Here is how Bread Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Efficiency Ratio: 57.8% versus 54.4% estimated by three analysts on average. Net principal losses as a percentage of average credit card and other loans (Net loss rate): 8% versus the three-analyst average estimate of 8.2%. Net Interest Margin: 17.8% versus 18.5% estimated by three analysts on average. Total Risk-based Capital Ratio: 13.8% compared to the 14.7% average estimate based on two analysts. Total interest income: $1.22 billion compared to the $1.26 billion average estimate based on five analysts. Interest on cash and investment securities: $44 million versus the five-analyst average estimate of $50.29 million. Interchange revenue, net of retailer shares arrangements: -$110 million versus -$100.28 million estimated by five analysts on average. Interest and fees on loans: $1.18 billion versus the five-analyst average estimate of $1.21 billion. Net interest income: $988 million versus the five-analyst average estimate of $1.02 billion. Total non-interest income: -$62 million versus the five-analyst average estimate of -$64.48 million. Other Non-Interest Income: $46 million versus the five-analyst average estimate of $34.98 million. View all Key Company Metrics for Bread Financial here>>>Shares of Bread Financial have returned +4.2% over the past month versus the Zacks S&P 500 composite's +1.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.5 Stocks Set to DoubleEach was handpicked by a Zacks expert as the #1 favorite stock to gain +100% or more in 2024. While not all picks can be winners, previous recommendations have soared +143.0%, +175.9%, +498.3% and +673.0%.Most of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor.Today, See These 5 Potential Home Runs >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Bread Financial Holdings, Inc. (BFH): Free Stock Analysis ReportTo read this article on Zacks.com click here.Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks