Valuation Bread Financial Holdings, Inc.

Stocks

Market Closed - NYSE 23:00:03 29/10/2026 +03			5-day change	1st Jan Change
105.66 ^USD	+0.89%		+3.13%	+42.73%

10-27	Bread Financial Launches Series C Preferred Stock Offering	MT
10-22	Bread Financial Holdings, Inc. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2026	CI

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	4,011	-	-
Change	-	-43.35%	-13.45%	86.81%	11.36%	18.66%	-	-
Enterprise Value (EV)	3,314	5,993	16,947	17,996	18,000	4,011	4,011	4,011
Change	-	80.84%	182.76%	6.19%	0.03%	-77.72%	0%	0%
P/E	4.16x	8.44x	2.3x	11.1x	6.8x	8.18x	7.53x	6.67x
PBR	1.59x	0.83x	0.56x	0.98x	1.19x	1.2x	1.07x	0.94x
PEG	-	-0.1x	0x	-0.2x	0.1x	0.4x	0.87x	0.5x
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	3.42x	3.32x	4.86x
EV / EBIT	0x	0x	0x	0x	0x	1.96x	1.89x	1.85x
EV / FCF	0x	0x	0x	0x	0x	1.94x	1.87x	-
FCF Yield	44%	94.8%	119%	60.1%	61.2%	51.5%	53.4%	-
Dividend per Share ²	0.84	0.84	0.84	0.84	0.86	0.9308	0.9767	1.036
Rate of return	1.26%	2.23%	2.55%	1.38%	1.16%	0.88%	0.92%	0.98%
EPS ²	16.02	4.46	14.34	5.49	10.89	12.91	14.03	15.84
Distribution rate	5.24%	18.8%	5.86%	15.3%	7.9%	7.21%	6.96%	6.54%
Net sales ¹	3,655	3,826	4,289	3,838	3,845	4,024	4,152	4,300
EBITDA ¹	1,519	-	1,084	1,964	695	1,171	1,209	824.5
EBIT ¹	1,427	1,894	2,197	1,874	1,928	2,047	2,121	2,171
Net income ¹	801	223	718	277	518	525.3	524.9	538.5
Net Debt	-	4,116	15,322	14,960	14,620	-	-	-
Reference price ²	66.57	37.66	32.94	61.06	74.03	105.66	105.66	105.66
Nbr of stocks (in thousands)	49,785	49,853	49,331	49,715	45,662	37,961	-	-
Announcement Date	1/27/22 A	1/26/23 A	1/25/24 A	1/30/25 A	1/28/26 A	-	-	-

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.	8.11x	-	-	0.89%	3.98B
AMERICAN EXPRESS COMPANY	17.34x	-	-	1.2%	213B
CAPITAL ONE FINANCIAL CORPORATION	11.77x	2.45x	3.84x	1.56%	123B
BAJAJ FINANCE LIMITED	22.18x	15.74x	-	0.78%	59.88B
ROCKET COMPANIES, INC.	36.46x	4.93x	18.14x	-.--%	32.76B
BAJAJ FINSERV LTD.	21.56x	4.88x	24.15x	0.09%	27.74B
SYNCHRONY FINANCIAL	7.87x	1.8x	3.32x	1.7%	23.47B
SOFI TECHNOLOGIES, INC.	28.13x	4.29x	13.02x	-.--%	22.22B
SHRIRAM FINANCE LIMITED	13.67x	10.23x	19.6x	1.45%	20.55B
Average	18.57x	6.33x	13.68x	0.85%	58.56B
Weighted average by Cap.	17.82x	6.10x	10.03x	1.08%