Valuation: Bread Financial Holdings, Inc.

Market Cap 3.98B 3.48B 3.22B 2.97B 5.59B 382B 5.69B 38.34B 15.04B 187B 14.95B 14.62B 645B P/E 2026 *
8.75x
P/E 2027 * 7.67x
Enterprise Value 18.91B 16.52B 15.27B 14.11B 26.57B 1,816B 27.06B 182B 71.47B 889B 71.02B 69.45B 3,062B EV / Sales 2026 *
4.77x
EV / Sales 2027 * 4.66x
Free-Float
98.65%
Yield 2026 *
0.94%
Yield 2027 * 0.97%
1 day+0.51%
1 week-3.78%
Current month-9.10%
1 month-3.17%
3 months+19.18%
6 months+42.74%
Current year+33.04%
1 week 94.73
Extreme 94.7301
99.12
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.($)
+0.10%-3.78%+58.88%+182.61% 3.98B
-1.56%-3.44%+9.55%+34.53% 65.16B
+2.27%-2.26%+2.51%+37.50% 40.46B
-1.05%-0.29%-9.18%+14.86% 31.11B
+1.98%+1.89%+50.98%+192.20% 24.82B
+0.69%-2.44%+3.95%+111.12% 24.78B
+0.84%+4.51%-13.03%+104.30% 23.79B
-2.25%-2.92%-26.05% - 16.22B
+1.81%+1.91%+15.80%+54.88% 15.72B
-1.40%+0.94% - - 15.62B
Average +0.20%-0.93%+10.38%+91.50% 26.17B
Weighted average by Cap. +0.07%-0.84%+6.31%+68.86%

Financials

2026 *2027 *
Net sales 3.96B 3.46B 3.2B 2.96B 5.57B 380B 5.67B 38.16B 14.97B 186B 14.88B 14.55B 641B 4.11B 3.6B 3.32B 3.07B 5.78B 395B 5.89B 39.64B 15.55B 194B 15.46B 15.11B 666B
Net income 465M 406M 376M 347M 654M 44.67B 666M 4.48B 1.76B 21.87B 1.75B 1.71B 75.32B 482M 421M 389M 359M 677M 46.26B 689M 4.64B 1.82B 22.65B 1.81B 1.77B 77.99B
Net Debt 14.93B 13.04B 12.06B 11.14B 20.98B 1,434B 21.36B 144B 56.42B 702B 56.07B 54.83B 2,417B 15.2B 13.28B 12.28B 11.34B 21.36B 1,460B 21.75B 146B 57.45B 715B 57.09B 55.83B 2,461B
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
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
08/07/26 US$93.83 -8.33% 1,264,859
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