Bread Financial Holdings, Inc.

NYSE:BFH Stock Report

Market Cap: US$3.2b

Bread Financial Holdings Valuation

Is BFH undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

What is the Fair Price of BFH when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: BFH ($73.05) is trading below our estimate of future cash flow value ($119.32)

Significantly Below Future Cash Flow Value: BFH is trading below future cash flow value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for BFH?

Key metric: As BFH is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for BFH. This is calculated by dividing BFH's market cap by their current earnings.
What is BFH's PE Ratio?
PE Ratio6.2x
EarningsUS$521.00m
Market CapUS$3.20b

Price to Earnings Ratio vs Peers

How does BFH's PE Ratio compare to its peers?

The above table shows the PE ratio for BFH vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average39.3x
UPST Upstart Holdings
119.9x68.87%US$3.8b
CACC Credit Acceptance
12x10.89%US$5.3b
NNI Nelnet
11.1x-3.84%US$4.7b
LC LendingClub
14.3x32.20%US$2.0b
BFH Bread Financial Holdings
6.2x-6.11%US$3.2b

Price-To-Earnings vs Peers: BFH is good value based on its Price-To-Earnings Ratio (6.2x) compared to the peer average (39.3x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does BFH's PE Ratio compare vs other companies in the US Consumer Finance Industry?

5 CompaniesPrice / EarningsEstimated GrowthMarket Cap
LX LexinFintech Holdings
1.8x9.05%US$479.55m
JFIN Jiayin Group
1.4xn/aUS$352.24m
YRD Yiren Digital
1.9xn/aUS$343.03m
XYF X Financial
0.9xn/aUS$217.38m
BFH 6.2xIndustry Avg. 9.0xNo. of Companies6PE0816243240+
5 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: BFH is good value based on its Price-To-Earnings Ratio (6.2x) compared to the US Consumer Finance industry average (8.7x).

Price to Earnings Ratio vs Fair Ratio

What is BFH's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

BFH PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio6.2x
Fair PE Ratio13.4x

Price-To-Earnings vs Fair Ratio: BFH is good value based on its Price-To-Earnings Ratio (6.2x) compared to the estimated Fair Price-To-Earnings Ratio (13.4x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst BFH forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$73.05
US$82.40
+12.80%
13.56%US$98.00US$63.00n/a15
Jan ’27US$74.03
US$73.29
-1.01%
18.36%US$98.00US$52.00n/a14
Dec ’26US$68.07
US$70.20
+3.13%
15.71%US$98.00US$52.00n/a15
Nov ’26US$62.65
US$70.20
+12.05%
15.71%US$98.00US$52.00n/a15
Oct ’26US$54.89
US$68.40
+24.61%
16.03%US$98.00US$52.00n/a15
Sep ’26US$66.19
US$69.07
+4.35%
17.57%US$98.00US$51.00n/a15
Aug ’26US$57.56
US$68.73
+19.41%
17.43%US$98.00US$51.00n/a15
Jul ’26US$58.54
US$58.00
-0.92%
18.13%US$88.00US$39.00n/a14
Jun ’26US$51.24
US$57.21
+11.66%
18.55%US$88.00US$39.00n/a14
May ’26US$47.79
US$57.14
+19.57%
20.34%US$88.00US$36.00n/a14
Apr ’26US$50.17
US$66.93
+33.40%
20.10%US$88.00US$50.00n/a14
Mar ’26US$54.00
US$70.57
+30.69%
15.72%US$88.00US$53.00n/a14
Feb ’26US$63.33
US$69.57
+9.86%
16.12%US$88.00US$51.00US$72.5414
Jan ’26US$61.06
US$62.08
+1.66%
24.07%US$88.00US$34.00US$74.0315
Dec ’25US$58.83
US$57.88
-1.62%
24.31%US$88.00US$34.00US$68.0715
Nov ’25US$50.75
US$53.88
+6.16%
23.24%US$88.00US$34.00US$62.6515
Oct ’25US$46.45
US$53.28
+14.70%
18.03%US$67.00US$35.00US$54.8915
Sep ’25US$58.17
US$54.94
-5.55%
17.15%US$67.00US$35.00US$66.1915
Aug ’25US$50.78
US$53.28
+4.92%
17.60%US$67.00US$35.00US$57.5615
Jul ’25US$45.33
US$42.86
-5.46%
24.68%US$67.00US$26.00US$58.5414
Jun ’25US$41.76
US$41.36
-0.96%
25.44%US$67.00US$26.00US$51.2414
May ’25US$38.38
US$37.21
-3.04%
15.10%US$48.00US$26.00US$47.7914
Apr ’25US$35.98
US$37.07
+3.03%
18.98%US$52.00US$27.00US$50.1714
Mar ’25US$38.28
US$37.07
-3.16%
18.98%US$52.00US$27.00US$54.0014
Feb ’25US$36.33
US$36.93
+1.66%
19.23%US$52.00US$25.00US$63.3315
US$82.4
Fair Value
11.3% undervalued intrinsic discount
15
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/02/02 02:18
End of Day Share Price 2026/02/02 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Bread Financial Holdings, Inc. is covered by 40 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jeffrey MeulerBaird
Darrin PellerBarclays
Terry MaBarclays