Valuation Bread Financial Holdings, Inc.

Stocks

Market Closed - NYSE Other stock markets 21:00:03 10/07/2026 BST			5-day change	1st Jan Change
96.50 ^USD	+0.99%		-5.59%	+30.35%

07-07	UBS Adjusts Price Target on Bread Financial Holdings to $120 From $94, Maintains Buy Rating	MT
07-07	Barclays Upgrades Bread Financial to Equalweight From Underweight, Adjusts Price Target to $104 From $70	MT

Data adjusted to current consolidation scope

Fiscal Period: December	2021	2022	2023	2024	2025	2026	2027	2028
Market Cap ¹	3,314	1,877	1,625	3,036	3,380	3,899	-	-
Change	-	-43.35%	-13.45%	86.81%	11.36%	15.35%	-	-
Enterprise Value (EV) ¹	3,314	5,993	16,947	17,996	18,000	18,827	19,098	19,482
Change	-	80.84%	182.76%	6.19%	0.03%	4.59%	1.44%	2.01%
P/E	4.16x	8.44x	2.3x	11.1x	6.8x	8.57x	7.52x	6.57x
PBR	1.59x	0.83x	0.56x	0.98x	1.19x	1.13x	1x	0.92x
PEG	-	-0.1x	0x	-0.2x	0.1x	2.48x	0.5x	0.5x
Capitalization / Revenue	0.91x	0.49x	0.38x	0.79x	0.88x	0.99x	0.95x	0.92x
EV / Revenue	0.91x	1.57x	3.95x	4.69x	4.68x	4.76x	4.66x	4.61x
EV / EBITDA	2.18x	-	15.6x	9.16x	25.9x	26.5x	26.8x	26x
EV / EBIT	2.32x	3.16x	7.71x	9.6x	9.34x	9.48x	9.21x	9.22x
EV / FCF	2.27x	3.37x	8.74x	9.87x	-	39.3x	33.3x	28.4x
FCF Yield	44%	29.7%	11.4%	10.1%	-	2.54%	3%	3.53%
Dividend per Share ²	0.84	0.84	0.84	0.84	0.86	0.9275	0.9583	1.05
Rate of return	1.26%	2.23%	2.55%	1.38%	1.16%	0.96%	0.99%	1.09%
EPS ²	16.02	4.46	14.34	5.49	10.89	11.27	12.83	14.7
Distribution rate	5.24%	18.8%	5.86%	15.3%	7.9%	8.23%	7.47%	7.14%
Net sales ¹	3,655	3,826	4,289	3,838	3,845	3,951	4,101	4,229
EBITDA ¹	1,519	-	1,084	1,964	695	710.8	712.7	750.3
EBIT ¹	1,427	1,894	2,197	1,874	1,928	1,986	2,074	2,112
Net income ¹	801	223	718	277	518	464.6	482.6	493.6
Net Debt ¹	-	4,116	15,322	14,960	14,620	14,927	15,199	15,583
Reference price ²	66.57	37.66	32.94	61.06	74.03	96.50	96.50	96.50
Nbr of stocks (in thousands)	49,785	49,853	49,331	49,715	45,662	40,407	-	-
Announcement Date	27/01/22	26/01/23	25/01/24	30/01/25	28/01/26	-	-	-

¹USD in Million²USD

Estimates

Add to a list 0 selected To use this feature you must be a member Log in Sign up	P/E (Y)	EV / Sales (Y)	EV / EBITDA (Y)	Dividend Yield (Y)	Capi.($)
BREAD FINANCIAL HOLDINGS, INC.	8.57x	4.76x	26.49x	0.96%	3.9B
BAJAJ FINANCE LIMITED	25.45x	16.67x	-	0.68%	66.53B
ROCKET COMPANIES, INC.	27.31x	4.44x	14.81x	-.--%	40.72B
BAJAJ FINSERV LTD.	28.48x	3.04x	16.99x	0.07%	32.12B
SHRIRAM FINANCE LIMITED	18.11x	12.34x	23.48x	1.14%	25.77B
SYNCHRONY FINANCIAL	7.77x	1.77x	-	1.76%	24.37B
SOFI TECHNOLOGIES, INC.	31.38x	4.73x	13.87x	-.--%	24.09B
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED	23.47x	19.02x	46.22x	0.15%	16.16B
TATA CAPITAL LIMITED	30.01x	-	-	-	15.94B
Average	22.28x	8.35x	23.64x	0.59%	27.73B
Weighted average by Cap.	24.13x	9.37x	20.58x	0.54%