Bread Financial Valuation
| BFH Stock | USD 52.01 2.01 4.02% |
At this time, the firm appears to be undervalued. Bread Financial Holdings shows a prevailing Real Value of $59.57 per share. The current price of the firm is $52.01. Our model approximates the value of Bread Financial Holdings from analyzing the firm fundamentals such as profit margin of 0.11 %, and Return On Equity of 0.0935 as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Bread Financial's valuation include:
Undervalued
Today
Please note that Bread Financial's price fluctuation is very steady at this time. Calculation of the real value of Bread Financial Holdings is based on 3 months time horizon. Increasing Bread Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Bread Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Bread Stock. However, Bread Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 52.01 | Real 59.57 | Target 65.54 | Hype 51.02 | Naive 55.0 |
The intrinsic value of Bread Financial's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence Bread Financial's stock price.
Estimating the potential upside or downside of Bread Financial Holdings helps investors to forecast how Bread stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Bread Financial more accurately as focusing exclusively on Bread Financial's fundamentals will not take into account other important factors: When choosing an evaluation method for Bread Financial Holdings, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.
Bread Financial Cash |
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Bread Valuation Trend
Bread Financial's real value analysis enables investors to forecast the earnings more efficiently. Using both Bread Financial's enterprise value as well as its market capitalization is the best way to gauging the value of the company and is usually enough for investors to make market timing decisions.
Bread Revenue by Product
Bread Financial Total Value Analysis
Bread Financial Holdings is currently forecasted to have company total value of 4.46 B with market capitalization of 2.45 B, debt of 5.68 B, and cash on hands of 3.89 B. Please note that company total value may be misleading and is a subject to accounting gimmicks. We encourage investors to carefully check all of the Bread Financial fundamentals before making security assessment based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
4.46 B | 2.45 B | 5.68 B | 3.89 B |
Bread Financial Investor Information
About 99.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.8. Some equities with similar Price to Book (P/B) outperform the market in the long run. Bread Financial Holdings has Price/Earnings To Growth (PEG) ratio of 1.5. The entity recorded earning per share (EPS) of 5.54. The firm last dividend was issued on the 14th of February 2025. Bread Financial had 1253:1000 split on the 8th of November 2021. Bread Financial Holdings may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Operating Profit Margin | 0.0528 | 0.0555 |
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| Total Cash From Operating Activities | 1.1 B | 1.9 B |
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| Operating Income | 265.1 M | 279 M |
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Bread Financial Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Bread Financial has an asset utilization ratio of 21.95 percent. This signifies that the Company is making $0.22 for each dollar of assets. An increasing asset utilization means that Bread Financial Holdings is more efficient with each dollar of assets it utilizes for everyday operations.Bread Financial Ownership Allocation
The majority of Bread Financial Holdings outstanding shares are owned by other corporate entities. These outside corporations are usually referred to as non-private investors looking to acquire positions in Bread Financial Holdings to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in Bread Financial. Please pay attention to any change in the institutional holdings of Bread Financial Holdings as this could imply that something significant has changed or is about to change at the company.Bread Financial Profitability Analysis
The company reported the last year's revenue of 5.02 B. Total Income to common stockholders was 277 M with profit before taxes, overhead, and interest of 2.44 B.Bread Financial Past Distributions to stockholders
About Bread Financial Valuation
An absolute valuation paradigm, as applied to Bread Stock, attempts to find the value of Bread Financial Holdings based on its fundamental and basic technical indicators. By analyzing Bread Financial's financials, quarterly and monthly indicators, and their related drivers, such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of Bread Financial's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of Bread Financial. We calculate exposure to Bread Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Bread Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 5 B | 5.3 B | |
| Pretax Profit Margin | 0.08 | 0.10 | |
| Operating Profit Margin | 0.06 | 0.05 | |
| Net Profit Margin | 0.06 | 0.07 | |
| Gross Profit Margin | 0.46 | 0.27 |
A single share of Bread Financial represents a small ownership stake in the entity. As a stockholder of Bread, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Bread Financial Dividends Analysis For Valuation
The Bread Financial's current Dividend Paid And Capex Coverage Ratio is estimated to increase to 45.39, while Dividends Paid is projected to decrease to under 40.9 M. . The Bread Financial's current Retained Earnings is estimated to increase to about 1.7 B, while Retained Earnings Total Equity is projected to decrease to (82.2 M).
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 43 M | 40.9 M | |
| Dividend Yield | 0.01 | 0.01 | |
| Dividend Payout Ratio | 0.16 | 0.11 | |
| Dividend Paid And Capex Coverage Ratio | 43.23 | 45.39 |
There are various types of dividends Bread Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Bread shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Bread Financial Holdings directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Bread pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Bread Financial by the value of the dividends paid out.
Bread Financial Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 50.4 M | |
| Quarterly Earnings Growth Y O Y | -0.838 | |
| Forward Price Earnings | 7.3529 |
Bread Financial Current Valuation Indicators
Valuation refers to the process of determining the present value of Bread Financial Holdings and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Bread we look at many different elements of the entity such as Bread's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Bread Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Bread Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Bread Financial's worth.Complementary Tools for Bread Stock analysis
When running Bread Financial's price analysis, check to measure Bread Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Bread Financial is operating at the current time. Most of Bread Financial's value examination focuses on studying past and present price action to predict the probability of Bread Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Bread Financial's price. Additionally, you may evaluate how the addition of Bread Financial to your portfolios can decrease your overall portfolio volatility.
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