NYSE · Financial · Credit Services · USA
Bread Financial Holdings Inc is a mid cap company (market value between $2 billion and $10 billion) in the Credit Services industry.
Bread Financial Holdings operates as a financial services provider delivering credit cards, installment loans, and savings accounts to American consumers. The company partners with major retailers and brands in travel, entertainment, health, beauty, jewelry, and apparel to issue co-branded and private label credit cards. Revenue comes from interest and fees on credit products and partner payments.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the Bread Financial Holdings Inc stock.
Undervalued: intrinsic value $155.78 per share, market price $102.45, margin of safety 34.2% (as of 2026-10-19).
Book value at 1.82x, the multiple a 17.4% return on equity justifies, blended with earnings, values the shares at $155.78; the price of $102.45 is 34% below that value.
Leak Score: 79/100 on 10 of 12 signals (Clear Leak).
17 more funds hold it; the full list is part of the paid plan.
6 more in this industry show a wider margin of safety.
BFH is undervalued (as of the 2026-10-19 close). Book value at 1.82x, the multiple a 17.4% return on equity justifies, blended with earnings, values the shares at $155.78; the price of $102.45 is 34% below that value.
$155.78 per share (as of the 2026-10-19 close), against a market price of $102.45. That is a margin of safety of 34.2%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
79 out of 100, which we rate "Clear Leak", on 10 of 12 value investing signals.