Valuation: Bread Financial Holdings, Inc.

Market Cap 3.9B 3.43B 3.18B 2.92B 5.52B 373B 5.64B 37.87B 14.82B 183B 14.64B 14.32B 633B P/E 2026 *
8.57x
P/E 2027 * 7.52x
Enterprise Value 18.83B 16.54B 15.33B 14.1B 26.64B 1,800B 27.22B 183B 71.56B 883B 70.69B 69.14B 3,058B EV / Sales 2026 *
4.76x
EV / Sales 2027 * 4.66x
Free-Float
98.65%
Yield 2026 *
0.96%
Yield 2027 * 0.99%
1 day+0.70%
1 week-4.92%
Current month-10.31%
1 month-4.45%
3 months+23.04%
6 months+35.39%
Current year+31.27%
1 week 91.13
Extreme 91.13
105.74
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.($)
+0.70%-4.92%+58.69%+179.49% 3.9B
+0.21%-0.85%+9.54%+37.60% 66.53B
-3.34%-11.79%+1.68%+35.05% 40.72B
-0.41%+0.66%-5.41%+19.77% 32.12B
+0.35%-1.41%+56.77%+190.30% 25.77B
+1.06%-4.09%+3.68%+109.95% 24.37B
-3.46%-0.60%-14.48%+97.07% 24.09B
-0.23%+0.86%-25.90% - 16.75B
+0.07%+1.12%+18.16%+57.52% 16.16B
+0.10%+3.31% - - 15.94B
Average -0.49%-1.63%+11.42%+90.84% 26.63B
Weighted average by Cap. -0.68%-1.97%+7.28%+68.96%

Financials

2026 *2027 *
Net sales 3.95B 3.47B 3.22B 2.96B 5.59B 378B 5.71B 38.38B 15.02B 185B 14.84B 14.51B 642B 4.1B 3.6B 3.34B 3.07B 5.8B 392B 5.93B 39.83B 15.59B 192B 15.4B 15.06B 666B
Net income 465M 408M 378M 348M 657M 44.42B 672M 4.51B 1.77B 21.78B 1.74B 1.71B 75.46B 483M 424M 393M 362M 683M 46.15B 698M 4.69B 1.83B 22.63B 1.81B 1.77B 78.38B
Net Debt 14.93B 13.12B 12.16B 11.18B 21.12B 1,427B 21.58B 145B 56.74B 700B 56.05B 54.82B 2,424B 15.2B 13.35B 12.38B 11.39B 21.51B 1,453B 21.97B 148B 57.77B 713B 57.07B 55.82B 2,468B
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
13/07/26 US$97.18 +0.70% 706,765
10/07/26 US$96.50 +0.99% 486,975
09/07/26 US$95.55 +1.83% 1,093,528
08/07/26 US$93.83 -8.33% 1,264,859
07/07/26 US$102.36 -1.12% 431,529
Trader
Investor
Global
Quality
ESG MSCI
AA
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
17
Last Close Price
96.50USD
Average target price
108.13USD
Spread / Average Target
+12.06%

Quarterly revenue - Rate of surprise