BREAD FINANCIAL HOLDINGS, INC. (BFH)
Personal Credit Institutions · Financial Services · $9.0B
Intrinsic Value (Consensus)
$135.17
Current Price
$217.80
Margin of Safety
-37.9%
37.9% Above Intrinsic Value
Value: $135
Price: $218
Valuation Model Estimates
Current Price: $217.80
DCF (Discounted Cash Flow)
$2019.08
Graham Number
$140.49
Earnings Power Value
$105.73
Relative Value (P/E)
$217.80
Dividend Discount Model
$76.67
Consensus Value
$135.17
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Key Financials
- EPS (TTM)
- $10.89
- EPS (Forward)
- $13.07
- Book Value
- $80.56
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 15.6%
- Debt/Equity
- 129%
- Revenue Growth
- -31.3%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.1%
- Beta
- 1.00
Data last updated: 2026-06-12
Source: Yahoo Finance