Valuation: Bread Financial Holdings, Inc.

Market Cap 4.01B 3.5B 3.24B 2.97B 5.63B 386B 5.72B 38.63B 15.18B 189B 15.05B 14.72B 651B P/E 2026 *
8.8x
P/E 2027 * 7.71x
Enterprise Value 18.93B 16.55B 15.31B 14.05B 26.58B 1,825B 27.04B 183B 71.71B 891B 71.11B 69.55B 3,076B EV / Sales 2026 *
4.78x
EV / Sales 2027 * 4.67x
Free-Float
98.65%
Yield 2026 *
0.94%
Yield 2027 * 0.97%
1 day-1.05%
1 week+2.71%
Current month-9.42%
1 month-3.40%
3 months+16.11%
6 months+33.11%
Current year+32.57%
1 week 95.67
Extreme 95.67
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 65 09/10/2016
Chairman 72 18/05/2026
Director/Board Member 69 03/06/2019
Date Insider Type Main position Quantity % Market Cap.
15/06/26 Free

Director

1,638 0.0041%
15/06/26 Free

Director

1,638 0.0041%
15/06/26 Free

Director

1,638 0.0041%
Change 5-day change 1-year change 3-year change Capi.($)
-1.05%+2.71%+60.57%+179.68% 4.01B
+1.60%+2.69%+11.76%+38.67% 66B
+2.05%+2.34%+9.56%+46.51% 41.31B
-0.59%-0.88%-9.72%+13.90% 30.73B
-0.90%+0.98%+49.63%+187.19% 25.27B
+0.32%+3.79%+7.19%+109.18% 24.9B
-3.08%-6.98%-19.03%+82.70% 22.92B
-0.40%+2.46%-26.63% - 16.24B
-0.82%+1.07%+14.85%+53.60% 16.01B
-2.31%+0.90% - - 15.67B
Average -0.50%+1.75%+10.91%+88.93% 26.31B
Weighted average by Cap. +0.12%+1.78%+7.75%+68.46%

Financials

2026 *2027 *
Net sales 3.96B 3.46B 3.2B 2.94B 5.56B 382B 5.66B 38.17B 15B 186B 14.87B 14.54B 643B 4.12B 3.6B 3.33B 3.05B 5.78B 397B 5.88B 39.67B 15.58B 194B 15.45B 15.12B 669B
Net income 465M 407M 376M 345M 653M 44.84B 665M 4.49B 1.76B 21.9B 1.75B 1.71B 75.6B 482M 421M 390M 357M 677M 46.44B 688M 4.65B 1.83B 22.68B 1.81B 1.77B 78.29B
Net Debt 14.93B 13.05B 12.07B 11.07B 20.96B 1,438B 21.32B 144B 56.53B 702B 56.06B 54.83B 2,425B 15.2B 13.29B 12.29B 11.27B 21.34B 1,465B 21.71B 147B 57.56B 715B 57.08B 55.82B 2,469B
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
16/07/26 US$98.14 -1.05% 672,616
15/07/26 US$99.18 +0.70% 352,256
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
Trader
Investor
Global
Quality
ESG MSCI
AA
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
17
Last Close Price
99.18USD
Average target price
109.73USD
Spread / Average Target
+10.64%

Quarterly revenue - Rate of surprise