Valuation: Bread Financial Holdings, Inc.

Capitalization 3.43B 2.96B 2.71B 2.56B 4.72B 332B 4.84B 32.28B 12.57B 156B 12.87B 12.59B 546B P/E ratio 2026 *
7.66x
P/E ratio 2027 * 6.78x
Enterprise value 18.36B 15.83B 14.5B 13.7B 25.26B 1,777B 25.9B 173B 67.31B 837B 68.88B 67.41B 2,921B EV / Sales 2026 *
4.65x
EV / Sales 2027 * 4.55x
Free-Float
98.52%
Yield 2026 *
1.09%
Yield 2027 * 1.13%
1 day+2.60%
1 week+4.47%
Current month+2.75%
1 month-5.05%
3 months+15.03%
6 months+41.26%
Current year+17.68%
1 week 83.24
Extreme 83.235
87.88
1 month 82.47
Extreme 82.47
99.13
Current year 67.78
Extreme 67.78
99.13
1 year 49.17
Extreme 49.17
99.13
3 years 26.08
Extreme 26.08
99.13
5 years 23.19
Extreme 23.19
128.16
10 years 20.51
Extreme 20.51
278.33
Manager TitleAgeSince
Chief Executive Officer 65 02/02/2020
Director of Finance/CFO 60 05/07/2021
Chief Tech/Sci/R&D Officer 46 22/01/2024
Director TitleAgeSince
Chairman 75 09/06/2020
Director/Board Member 69 30/04/2015
Director/Board Member 65 09/10/2016
Change 5d. change 1-year change 3-years change Capi.($)
+2.60%+4.47%+64.40%+185.72% 3.43B
-0.05%+2.09%-0.26%+36.07% 59.18B
+2.33%+1.10%+105.08%+151.22% 40.82B
+1.27%+1.56%-13.06%+25.22% 28.81B
+2.46%+1.76%+18.72%+134.07% 23.34B
-0.42%-0.74%+36.28%+244.94% 22.54B
+2.40%+1.99%+17.67%+196.86% 19.54B
+0.60%+1.82%-15.30% - 15.91B
+0.17%-1.32%+58.71%+219.77% 13.7B
+0.50%-2.69%-6.99%+45.66% 13.31B
Average +1.21%-0.64%+26.52%+137.73% 24.06B
Weighted average by Cap. +1.06%-0.37%+25.71%+114.77%

Financials

2026 *2027 *
Net sales 3.95B 3.41B 3.12B 2.95B 5.43B 382B 5.57B 37.18B 14.48B 180B 14.82B 14.5B 628B 4.09B 3.53B 3.23B 3.06B 5.63B 396B 5.78B 38.55B 15.01B 187B 15.36B 15.04B 652B
Net income 466M 402M 368M 348M 641M 45.09B 657M 4.39B 1.71B 21.23B 1.75B 1.71B 74.12B 474M 408M 374M 354M 652M 45.84B 668M 4.46B 1.74B 21.58B 1.78B 1.74B 75.36B
Net Debt 14.93B 12.87B 11.79B 11.14B 20.55B 1,445B 21.06B 141B 54.73B 680B 56.02B 54.82B 2,376B 15.2B 13.11B 12.01B 11.35B 20.92B 1,471B 21.45B 143B 55.73B 693B 57.03B 55.82B 2,419B
Logo Bread Financial Holdings, Inc.
Bread Financial Holdings, Inc. is a tech-forward financial services company, which is engaged in providing simple, personalized payment, lending, and saving solutions. The Company's product offerings consist of private label and co-brand credit card programs with retailers and other brand partners; direct-to-consumer (DTC) credit cards; Bread Pay products; and Bread Savings products. Its payment solutions, including Bread Financial general purpose credit cards and savings products. Its private label credit cards are partner-branded credit cards used by consumers for the purchase of goods and services from that partner. Bread Pay is its payment technology solution for pay-over-time products. The Company's products are supported by various services and capabilities, including risk management, account origination and funding services; credit card and other loan processing and servicing; fraud prevention; marketing, and data and analytics; and digital and mobile capabilities.
Employees
6,000
Date Price Change Volume
20/05/26 87.19 $ +2.76% 168,570
19/05/26 84.85 $ -1.26% 700,704
18/05/26 85.93 $ -0.96% 524,535
15/05/26 86.76 $ -0.08% 636,953
14/05/26 86.83 $ +4.13% 547,067
Trader
Investor
Global
Quality
ESG MSCI
AA
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
17
Last Close Price
84.85USD
Average target price
95.67USD
Spread / Average Target
+12.75%

Quarterly revenue - Rate of surprise