Valuation: Bread Financial Holdings, Inc.

Market Cap 3.86B 3.38B 3.11B 2.88B 5.46B 368B 5.55B 37.22B 14.62B 181B 14.5B 14.18B 624B P/E 2026 *
8.48x
P/E 2027 * 7.52x
Enterprise Value 18.79B 16.43B 15.16B 14B 26.57B 1,792B 27.01B 181B 71.12B 883B 70.54B 69.01B 3,035B EV / Sales 2026 *
4.76x
EV / Sales 2027 * 4.65x
Free-Float
98.65%
Yield 2026 *
0.97%
Yield 2027 * 1%
1 day+0.85%
1 week-6.85%
Current month-11.00%
1 month-0.02%
3 months+22.09%
6 months+34.34%
Current year+30.26%
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

Chairman

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.($)
+0.85%-6.85%+54.14%+190.10% 3.86B
+1.66%+0.21%+8.49%+33.88% 65.24B
-1.41%-7.43%+4.39%+54.29% 41.2B
+1.11%+3.25%-5.45%+18.65% 31.65B
+1.14%-2.08%+53.44%+203.94% 25.45B
+0.46%-6.64%+1.12%+111.89% 24.07B
+1.69%+1.93%-9.54%+117.80% 23.88B
+3.68%+0.93%-26.65% - 16.14B
+0.88%+1.16%+15.72%+53.62% 16.01B
+1.33%+1.21% - - 15.72B
Average +1.15%-1.62%+10.63%+98.02% 26.32B
Weighted average by Cap. +1.01%-1.69%+7.08%+74.89%

Financials

2026 *2027 *
Net sales 3.95B 3.46B 3.19B 2.94B 5.59B 377B 5.68B 38.08B 14.96B 186B 14.83B 14.51B 638B 4.1B 3.59B 3.31B 3.06B 5.8B 391B 5.9B 39.53B 15.52B 193B 15.4B 15.06B 662B
Net income 465M 406M 375M 346M 657M 44.31B 668M 4.48B 1.76B 21.83B 1.74B 1.71B 75.04B 482M 421M 389M 359M 681M 45.93B 692M 4.64B 1.82B 22.63B 1.81B 1.77B 77.79B
Net Debt 14.93B 13.06B 12.04B 11.12B 21.11B 1,424B 21.46B 144B 56.51B 701B 56.05B 54.83B 2,411B 15.2B 13.29B 12.26B 11.33B 21.49B 1,450B 21.85B 147B 57.54B 714B 57.07B 55.82B 2,455B
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
10/07/26 US$96.43 +0.92% 137,987
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
06/07/26 US$103.52 +1.28% 563,447
Trader
Investor
Global
Quality
ESG MSCI
AA
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
18
Last Close Price
95.55USD
Average target price
105.88USD
Spread / Average Target
+10.81%

Quarterly revenue - Rate of surprise