Valuation: Bread Financial Holdings, Inc.

Market Cap 3.9B 3.41B 3.15B 2.91B 5.51B 372B 5.61B 37.59B 14.76B 183B 14.64B 14.32B 630B P/E 2026 *
8.57x
P/E 2027 * 7.52x
Enterprise Value 18.83B 16.47B 15.19B 14.03B 26.62B 1,796B 27.07B 181B 71.27B 885B 70.69B 69.15B 3,041B EV / Sales 2026 *
4.76x
EV / Sales 2027 * 4.66x
Free-Float
98.65%
Yield 2026 *
0.96%
Yield 2027 * 0.99%
1 day+0.99%
1 week-5.59%
Current month-10.94%
1 month+0.05%
3 months+22.18%
6 months+20.08%
Current year+30.35%
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 03/02/2020
Director of Finance/CFO 60 06/07/2021
Chief Tech/Sci/R&D Officer 47 23/01/2024
Director TitleAgeSince
Director/Board Member 69 01/05/2015
Director/Board Member 65 10/10/2016
Director/Board Member 69 04/06/2019
Date Insider Type Main position Quantity % Market Cap.
06-15Free

Director

1,638 0.0041%
06-15Free

Director

1,638 0.0041%
06-15Free

Director

1,638 0.0041%
Change 5-day change 1-year change 3-year change Capi.($)
+0.99%-5.59%+54.25%+190.31% 3.9B
+1.66%-1.06%+7.69%+35.47% 66.38B
-1.17%-8.75%+4.35%+54.23% 40.72B
+1.11%+1.08%-6.05%+19.91% 32.03B
+1.14%-1.75%+55.52%+202.94% 25.77B
+1.22%-5.10%+1.83%+113.37% 24.37B
+0.86%+2.96%-10.44%+115.61% 24.09B
+3.68%+1.09%-27.04% - 16.75B
+0.88%+1.05%+16.99%+57.03% 16.16B
+1.33%+3.21% - - 15.94B
Average +1.22%-1.31%+10.79%+98.61% 26.61B
Weighted average by Cap. +1.19%-1.57%+7.00%+75.58%

Financials

2026 *2027 *
Net sales 3.95B 3.46B 3.19B 2.94B 5.59B 377B 5.68B 38.09B 14.96B 186B 14.84B 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 483M 422M 389M 360M 682M 46.03B 694M 4.65B 1.83B 22.67B 1.81B 1.77B 77.95B
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 $96.50 +0.99% 486,975
09/07/26 $95.55 +1.83% 1,093,528
08/07/26 $93.83 -8.33% 1,264,859
07/07/26 $102.36 -1.12% 431,529
06/07/26 $103.52 +1.28% 563,447
Trader
Investor
Global
Quality
ESG MSCI
AA
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
17
Last Close Price
96.50USD
Average target price
108.13USD
Spread / Average Target
+12.06%

Quarterly revenue - Rate of surprise