Stifel analyst John Baugh raised his price target on Conn's as he predicts that within the next year, the company will "see less pressure on comp sales, improving loan loss provisions, material leverage on credit SGA and lower borrowing costs." He predicts that the company will reach break-even results within the next few quarters and generate EPs of at least $2.50-$3 per share in 24+ months. Baugh notes that the company's monthly payment rate rose for the first time since 1Q14, while its early stage delinquencies have been improving. He keeps a Buy rating on the shares.