Valuation: Bread Financial Holdings, Inc.

Market Cap 4.13B 3.61B 3.32B 3.09B 5.87B 393B 5.96B 39.83B 15.49B 193B 15.5B 15.17B 666B P/E 2026 *
9.13x
P/E 2027 * 8.1x
Enterprise Value 19.06B 16.66B 15.31B 14.27B 27.07B 1,815B 27.48B 184B 71.45B 892B 71.53B 70B 3,074B EV / Sales 2026 *
4.83x
EV / Sales 2027 * 4.72x
Free-Float
98.65%
Yield 2026 *
0.91%
Yield 2027 * 0.94%
1 day-3.00%
1 week-3.82%
Current month-5.67%
1 month+12.18%
3 months+39.98%
6 months+33.96%
Current year+38.07%
1 week 100.78
Extreme 100.78
109.91
1 month 90.92
Extreme 90.915
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

Chairman

1,638 0.0041%
Change 5-day change 1-year change 3-year change Capi.($)
-3.00%-3.82%+69.22%+222.94% 4.13B
+1.28%+5.20%+11.47%+31.58% 67.2B
-0.50%+5.13%+10.74%+70.30% 44.62B
-1.24%+6.43%-6.68%+15.59% 31.74B
+0.40%+3.33%+58.99%+201.20% 26.27B
-0.57%-2.96%+8.79%+126.23% 25.68B
-1.08%+2.01%-1.78%+117.66% 23.4B
-0.16%-0.03%-26.34% - 16.6B
+2.81%+3.56%+21.50%+57.93% 16.03B
-1.94%-3.92% - - 15.47B
Average -0.40%+1.74%+16.21%+105.43% 27.11B
Weighted average by Cap. -0.02%+3.41%+11.60%+78.99%

Financials

2026 *2027 *
Net sales 3.95B 3.45B 3.17B 2.96B 5.61B 376B 5.69B 38.08B 14.81B 185B 14.82B 14.5B 637B 4.1B 3.58B 3.29B 3.07B 5.82B 390B 5.91B 39.51B 15.36B 192B 15.38B 15.05B 661B
Net income 465M 407M 374M 348M 661M 44.29B 671M 4.49B 1.74B 21.77B 1.75B 1.71B 75.02B 480M 420M 386M 360M 682M 45.74B 693M 4.63B 1.8B 22.48B 1.8B 1.76B 77.47B
Net Debt 14.93B 13.05B 11.99B 11.18B 21.2B 1,421B 21.52B 144B 55.97B 699B 56.03B 54.83B 2,407B 15.2B 13.29B 12.21B 11.38B 21.59B 1,447B 21.92B 147B 56.99B 711B 57.05B 55.82B 2,451B
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
02/07/26 US$102.21 -3.00% 672,903
01/07/26 US$105.37 -2.75% 523,040
30/06/26 US$108.35 -0.35% 673,524
29/06/26 US$108.73 +2.31% 877,878
Trader
Investor
Global
Quality
ESG MSCI
AA
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
18
Last Close Price
102.21USD
Average target price
98.69USD
Spread / Average Target
-3.45%

Quarterly revenue - Rate of surprise