Valuation: Bread Financial Holdings, Inc.

Market Cap 3.98B 3.48B 3.21B 2.95B 5.59B 383B 5.69B 38.32B 15.04B 187B 14.95B 14.62B 645B P/E 2026 *
8.75x
P/E 2027 * 7.67x
Enterprise Value 18.91B 16.53B 15.25B 14.02B 26.56B 1,819B 27.01B 182B 71.43B 889B 71B 69.45B 3,065B EV / Sales 2026 *
4.77x
EV / Sales 2027 * 4.66x
Free-Float
98.65%
Yield 2026 *
0.94%
Yield 2027 * 0.97%
1 day+0.89%
1 week+5.79%
Current month-8.39%
1 month-3.16%
3 months+19.37%
6 months+40.50%
Current year+34.08%
1 week 94.73
Extreme 94.7301
100.02
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.
06-14Free

Director

1,638 0.0041%
06-14Free

Director

1,638 0.0041%
06-14Free

Director

1,638 0.0041%
Change 5-day change 1-year change 3-year change Capi.($)
+0.85%+5.79%+65.21%+182.87% 3.98B
+1.46%-2.03%+11.15%+36.49% 65.16B
+3.43%+4.27%+10.93%+45.18% 40.46B
-1.05%-1.89%-7.69%+14.58% 31.11B
+1.98%-3.09%+54.32%+189.78% 24.82B
+0.80%+8.89%+8.41%+109.31% 24.78B
-2.45%+1.61%-14.05%+90.03% 23.79B
+0.26%-2.67%-25.86% - 16.22B
+1.81%-2.76%+18.02%+54.87% 15.72B
+0.48%+1.42% - - 15.62B
Average +0.76%-1.07%+13.38%+90.39% 26.17B
Weighted average by Cap. +0.98%-0.52%+9.25%+68.80%

Financials

2026 *2027 *
Net sales 3.96B 3.46B 3.19B 2.94B 5.56B 381B 5.66B 38.13B 14.96B 186B 14.87B 14.55B 642B 4.11B 3.6B 3.32B 3.05B 5.78B 396B 5.88B 39.62B 15.55B 194B 15.45B 15.11B 667B
Net income 465M 407M 375M 345M 653M 44.75B 664M 4.48B 1.76B 21.87B 1.75B 1.71B 75.39B 482M 421M 388M 357M 677M 46.34B 688M 4.64B 1.82B 22.65B 1.81B 1.77B 78.06B
Net Debt 14.93B 13.05B 12.04B 11.07B 20.97B 1,436B 21.33B 144B 56.4B 702B 56.06B 54.83B 2,420B 15.2B 13.29B 12.26B 11.27B 21.35B 1,462B 21.72B 146B 57.42B 715B 57.08B 55.83B 2,464B
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
15/07/26 US$99.26 +0.78% 117,486
14/07/26 US$98.49 +1.35% 516,025
13/07/26 US$97.18 +0.70% 707,797
10/07/26 US$96.50 +0.99% 486,975
09/07/26 US$95.55 +1.83% 1,093,528
Trader
Investor
Global
Quality
ESG MSCI
AA
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
17
Last Close Price
98.49USD
Average target price
109.73USD
Spread / Average Target
+11.42%

Quarterly revenue - Rate of surprise