Valuation Bread Financial Holdings, Inc.

Stocks

Market Closed - NYSE 16:00:03 2026-09-01 EDT			5-day change	1st Jan Change
102.05 ^USD	-2.32%		-2.99%	+37.85%

08-25	Wolfe Research Upgrades Bread Financial to Outperform From Peer Perform, Price Target is $130	MT
08-17	Bread Financial's July Delinquencies Decline, Loans Increase	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	4,014	-	-
Change	-	-43.35%	-13.45%	86.81%	11.36%	18.74%	-	-
Enterprise Value (EV)	3,314	5,993	16,947	17,996	18,000	4,014	4,014	4,014
Change	-	80.84%	182.76%	6.19%	0.03%	-77.7%	0%	0%
P/E	4.16x	8.44x	2.3x	11.1x	6.8x	8.46x	7.59x	6.55x
PBR	1.59x	0.83x	0.56x	0.98x	1.19x	1.17x	1.04x	0.92x
PEG	-	-0.1x	0x	-0.2x	0.1x	0.8x	0.7x	0.4x
Capitalization / Revenue	0.91x	0.49x	0.38x	0.79x	0.88x	1x	0.97x	0.93x
EV / Revenue	0x	0x	0x	0x	0x	1x	0.97x	0.93x
EV / EBITDA	0x	-	0x	0x	0x	5.14x	5.24x	4.94x
EV / EBIT	0x	0x	0x	0x	0x	1.99x	1.92x	1.89x
EV / FCF	-	-	-	-	-	-	-	-
FCF Yield	-	-	-	-	-	-	-	-
Dividend per Share ²	0.84	0.84	0.84	0.84	0.86	0.925	0.9582	1.037
Rate of return	1.26%	2.23%	2.55%	1.38%	1.16%	0.91%	0.94%	1.02%
EPS ²	16.02	4.46	14.34	5.49	10.89	12.07	13.44	15.58
Distribution rate	5.24%	18.8%	5.86%	15.3%	7.9%	7.66%	7.13%	6.65%
Net sales ¹	3,655	3,826	4,289	3,838	3,845	3,996	4,151	4,323
EBITDA ¹	1,519	-	1,084	1,964	695	780.6	765.5	813.3
EBIT ¹	1,427	1,894	2,197	1,874	1,928	2,015	2,091	2,122
Net income ¹	801	223	718	277	518	490.6	495.1	528.8
Net Debt	-	4,116	15,322	14,960	14,620	-	-	-
Reference price ²	66.57	37.66	32.94	61.06	74.03	102.05	102.05	102.05
Nbr of stocks (in thousands)	49,785	49,853	49,331	49,715	45,662	38,419	-	-
Announcement Date	1/27/22	1/26/23	1/25/24	1/30/25	1/28/26	-	-	-

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 (N)	EV / Sales (N)	EV / EBITDA (N)	Dividend Yield (N)	Capi.($)
BREAD FINANCIAL HOLDINGS, INC.	8.66x	-	-	0.89%	4.01B
BAJAJ FINANCE LIMITED	25.5x	16.88x	-	0.68%	69.07B
ROCKET COMPANIES, INC.	40.47x	4.68x	15.83x	-.--%	37.97B
BAJAJ FINSERV LTD.	26.45x	5.22x	25.88x	0.07%	33.96B
SHRIRAM FINANCE LIMITED	18.34x	12.38x	24.05x	1.09%	27.05B
SYNCHRONY FINANCIAL	8.2x	1.92x	3.62x	1.66%	25.08B
SOFI TECHNOLOGIES, INC.	29.88x	4.09x	12.3x	-.--%	23.09B
TATA CAPITAL LIMITED	22.54x	22.55x	-	0.23%	16.3B
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED	23.71x	18.95x	44.74x	0.15%	16.78B
Average	22.64x	10.84x	21.07x	0.53%	28.15B
Weighted average by Cap.	25.22x	10.77x	19.86x	0.51%