Valuation: Bread Financial Holdings, Inc.

Market Cap 4.19B 3.68B 3.42B 3.14B 5.89B 403B 5.99B 40.59B 15.86B 198B 15.71B 15.37B 685B P/E 2026 *
8.67x
P/E 2027 * 7.85x
Enterprise Value 4.19B 3.68B 3.42B 3.14B 5.89B 403B 5.99B 40.59B 15.86B 198B 15.71B 15.37B 685B EV / Sales 2026 *
1.05x
EV / Sales 2027 * 1.01x
Free-Float
98.65%
Yield 2026 *
0.89%
Yield 2027 * 0.93%
1 day-0.49%
1 week+3.57%
Current month-5.07%
1 month-1.96%
3 months+19.38%
6 months+46.56%
Current year+38.94%
1 week 98.43
Extreme 98.43
106
1 month 91.13
Extreme 91.13
109.91
Current year 67.78
Extreme 67.78
109.91
1 year 53.83
Extreme 53.83
109.91
3 years 26.08
Extreme 26.08
109.91
5 years 23.19
Extreme 23.19
109.91
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 47 22/01/2024
Director TitleAgeSince
Director/Board Member 69 30/04/2015
Director/Board Member 65 09/10/2016
Director/Board Member 69 03/06/2019
Date Insider Type Main position Quantity % Market Cap.
15/07/26 Free

Chairman

730 0.0018%
15/06/26 Free

Chairman

1,638 0.0041%
15/06/26 Free

Director

1,638 0.0041%
Change 5-day change 1-year change 3-year change Capi.($)
-0.47%+3.57%+68.61%+175.75% 4.19B
-2.60%-2.39%+4.60%+33.58% 66.76B
+2.54%-9.97%-11.91%+24.31% 36.16B
-0.67%+2.07%-8.92%+14.93% 31.19B
-1.99%-1.87%+53.66%+174.20% 24.92B
+1.18%-1.48%+1.00%+102.37% 23.35B
-0.57%-4.54%-23.31%+74.55% 21.36B
+0.66%-0.40%-25.36% - 15.9B
+0.45%-3.52%+10.91%+52.04% 15.15B
+0.13%-2.13% - - 14.87B
Average -0.14%-2.67%+7.70%+81.47% 25.38B
Weighted average by Cap. -0.47%-4.02%+2.13%+60.22%

Financials

2026 *2027 *
Net sales 3.99B 3.5B 3.26B 2.99B 5.62B 384B 5.71B 38.71B 15.12B 189B 14.98B 14.66B 653B 4.14B 3.64B 3.38B 3.1B 5.83B 399B 5.92B 40.15B 15.69B 196B 15.54B 15.2B 678B
Net income 484M 425M 395M 363M 681M 46.6B 692M 4.69B 1.83B 22.91B 1.82B 1.78B 79.22B 490M 431M 400M 367M 690M 47.21B 701M 4.76B 1.86B 23.21B 1.84B 1.8B 80.25B
Net Debt - -
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 co-brand and private label credit card programs with retailers and other brand partners; direct-to-consumer (DTC); proprietary general purpose 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, underwriting, and funding services; credit card and other loan processing and servicing; fraud prevention; marketing, and data and analytics; and others.
Employees
6,000
Date Price Change Volume
24/07/26 US$102.55 -0.99% 507,781
23/07/26 US$103.58 +1.68% 800,951
22/07/26 US$101.87 +0.19% 871,484
21/07/26 US$101.68 +2.21% 963,771
20/07/26 US$99.48 +0.17% 376,404
Trader
Investor
-
Global
-
Quality
ESG MSCI
AA
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
17
Last Close Price
103.58USD
Average target price
112.80USD
Spread / Average Target
+8.90%

Quarterly revenue - Rate of surprise