Valuation: Bread Financial Holdings, Inc.

Capitalization 3.53B 2.99B 2.74B 2.59B 4.82B 336B 4.86B 32.53B 12.7B 160B 13.24B 12.96B 554B P/E ratio 2026 *
7.88x
P/E ratio 2027 * 6.97x
Enterprise value 18.46B 15.66B 14.34B 13.52B 25.23B 1,758B 25.43B 170B 66.4B 837B 69.25B 67.79B 2,898B EV / Sales 2026 *
4.67x
EV / Sales 2027 * 4.57x
Free-Float
98.52%
Yield 2026 *
1.06%
Yield 2027 * 1.09%
1 day-1.99%
1 week+2.30%
Current month+0.83%
1 month+6.60%
3 months+12.43%
6 months+34.70%
Current year+15.47%
1 week 82.47
Extreme 82.47
89
1 month 78.19
Extreme 78.19
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.($)
-1.82%+2.30%+58.30%+224.28% 3.53B
-2.02%-0.10%+8.33%+41.15% 62.75B
+4.49%+5.86%+88.84%+136.55% 35.69B
-1.33%+2.69%-8.92%+26.85% 30.73B
-3.23%+4.05%+62.06%+260.21% 25.11B
-3.04%-4.54%+17.41%+158.56% 24.6B
+1.75%-1.27%+13.92%+211.19% 20.2B
-3.61%-2.45%-3.23% - 17.43B
-3.07%+4.07%+7.36%+64.20% 15.13B
-2.57%+0.41%+54.21%+221.87% 15B
Average -1.47%+1.25%+29.83%+149.43% 25.02B
Weighted average by Cap. -1.14%+0.61%+27.02%+120.62%

Financials

2026 *2027 *
Net sales 3.95B 3.35B 3.07B 2.9B 5.4B 377B 5.45B 36.43B 14.22B 179B 14.83B 14.52B 621B 4.1B 3.48B 3.19B 3B 5.6B 391B 5.65B 37.79B 14.75B 186B 15.38B 15.06B 644B
Net income 466M 395M 362M 341M 637M 44.4B 642M 4.29B 1.68B 21.14B 1.75B 1.71B 73.17B 477M 405M 371M 349M 652M 45.43B 657M 4.4B 1.72B 21.64B 1.79B 1.75B 74.88B
Net Debt 14.93B 12.67B 11.6B 10.94B 20.4B 1,422B 20.57B 138B 53.7B 677B 56.01B 54.83B 2,344B 15.2B 12.9B 11.81B 11.14B 20.77B 1,448B 20.94B 140B 54.68B 690B 57.03B 55.83B 2,387B
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
11/05/26 85.41 $ -2.21% 223,711
08/05/26 87.34 $ +0.99% 334,530
07/05/26 86.48 $ -2.06% 547,915
06/05/26 88.30 $ +3.77% 623,880
05/05/26 85.09 $ +1.83% 412,236
Trader
Investor
Global
Quality
ESG MSCI
AA
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
17
Last Close Price
87.34USD
Average target price
95.67USD
Spread / Average Target
+9.53%

Quarterly revenue - Rate of surprise