Stock AnalizBread Financial Holdings, Inc. BFH
Finance: Consumer Services · data as of November 13, 2026
Bread Financial Holdings, Inc. (BFH) is a financial company listed in the US with a market value of about $3.7B. In the twelve months to September 30, 2026 it had revenue of $4.0B and net income of $537M, a net margin of 13.4%.
Its overall Stock Analiz score is 3.0 out of 5 (average). The strongest part is value (5/5); the weakest is future growth (1/5).
Key numbers: a P/E of 7.7, a price to free cash flow of 1.7, 5-year revenue growth of 3% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 22% above the current price.
Score: 3.0 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Profit margin improving
- 5-year EPS growth above 10% a year
- Profitable 5 years in a row
Checks not passed
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- More cash than debt, or low debt to equity
- Interest covered more than 5 times
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.0B | $3.8B | $3.8B | $4.3B | $3.8B | $3.3B | $3.3B | $4.0B | $5.7B | $5.5B | $7.1B |
| Net income | $537M | $518M | $277M | $718M | $223M | $801M | $214M | $278M | $963M | $789M | $516M |
| Free cash flow | $2.2B | — | — | — | $1.8B | $1.5B | $1.8B | $1.1B | $2.6B | $2.4B | $1.9B |
| EPS (diluted) | $12.76 | $10.89 | $5.49 | $14.34 | $4.46 | $16.02 | $4.46 | $5.46 | $17.49 | $14.10 | $7.34 |
| Net margin | 13.4% | 13.5% | 7.2% | 16.7% | 5.8% | 24.5% | 6.5% | 6.9% | 17.0% | 14.4% | 7.2% |
| ROIC | — | — | — | — | — | — | 4.6% | 10.7% | 15.9% | 13.9% | 10.8% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 16 analysts is $114.88, 16% above the current price; targets range from $86.00 to $132.00; the consensus rating is “Buy”; expected EPS is $13.05 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Bread Financial’s P/E ratio?
About 7.7, based on the last twelve months of diluted earnings per share (forward P/E about 7.6).
Is Bread Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 22% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Bread Financial pay a dividend?
Yes. The dividend yield is about 1.01%, and it has paid dividends for 10 years in our data.
Is Bread Financial a good stock to buy?
We do not give buy or sell advice. Bread Financial scores 3.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.