Valuation Bread Financial Holdings, Inc.

Stocks

Market Closed - NYSE 16:00:03 2026-10-16 EDT			5-day change	1st Jan Change
102.56 ^USD	+1.23%		+1.97%	+38.54%

09-15	Bread Financial Holdings, Inc. Presents at Barclays 24th Annual Global Financial Services Conference, Sep-15-2026 11:15 AM
09-15	Bread Financial, Signet Jewelers Renew Credit Card Deal	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	3,940	-	-
Change	-	-43.35%	-13.45%	86.81%	11.36%	16.57%	-	-
Enterprise Value (EV)	3,314	5,993	16,947	17,996	18,000	3,940	3,940	3,940
Change	-	80.84%	182.76%	6.19%	0.03%	-78.11%	0%	0%
P/E	4.16x	8.44x	2.3x	11.1x	6.8x	8.34x	7.42x	6.58x
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	0.6x	0.6x	0.5x
Capitalization / Revenue	0.91x	0.49x	0.38x	0.79x	0.88x	0.98x	0.95x	0.91x
EV / Revenue	0x	0x	0x	0x	0x	0.98x	0.95x	0.91x
EV / EBITDA	0x	-	0x	0x	0x	3.51x	3.44x	4.84x
EV / EBIT	0x	0x	0x	0x	0x	1.93x	1.86x	1.82x
EV / FCF	0x	0x	0x	0x	0x	1.93x	1.87x	-
FCF Yield	44%	94.8%	119%	60.1%	61.2%	51.9%	53.5%	-
Dividend per Share ²	0.84	0.84	0.84	0.84	0.86	0.9254	0.9642	1.043
Rate of return	1.26%	2.23%	2.55%	1.38%	1.16%	0.9%	0.94%	1.02%
EPS ²	16.02	4.46	14.34	5.49	10.89	12.29	13.82	15.58
Distribution rate	5.24%	18.8%	5.86%	15.3%	7.9%	7.53%	6.98%	6.69%
Net sales ¹	3,655	3,826	4,289	3,838	3,845	4,016	4,159	4,316
EBITDA ¹	1,519	-	1,084	1,964	695	1,123	1,144	814.2
EBIT ¹	1,427	1,894	2,197	1,874	1,928	2,042	2,119	2,161
Net income ¹	801	223	718	277	518	495.8	513.6	536
Net Debt	-	4,116	15,322	14,960	14,620	-	-	-
Reference price ²	66.57	37.66	32.94	61.06	74.03	102.56	102.56	102.56
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 (Y)	EV / Sales (Y)	EV / EBITDA (Y)	Dividend Yield (Y)	Capi.($)
BREAD FINANCIAL HOLDINGS, INC.	8.35x	-	-	0.9%	3.94B
AMERICAN EXPRESS COMPANY	17.78x	-	-	1.21%	212B
CAPITAL ONE FINANCIAL CORPORATION	12.13x	2.43x	-	1.6%	124B
BAJAJ FINANCE LIMITED	23.89x	16.44x	-	0.73%	64.34B
ROCKET COMPANIES, INC.	34.84x	4.74x	17.16x	-.--%	30.53B
BAJAJ FINSERV LTD.	22.56x	4.95x	24.51x	0.08%	29.13B
SYNCHRONY FINANCIAL	7.79x	1.78x	-	1.74%	23.97B
SHRIRAM FINANCE LIMITED	15.71x	11.3x	21.21x	1.27%	23.28B
SOFI TECHNOLOGIES, INC.	24.6x	3.19x	9.57x	-.--%	18.79B
Average	18.63x	6.41x	18.11x	0.84%	58.83B
Weighted average by Cap.	18.08x	6.42x	18.79x	1.09%