Bread Financial Holdings, Inc. (BFH)
Financial - Credit Services · Financial Services · $4.2B
Intrinsic Value (Consensus)
$178.52
Current Price
$102.44
Margin of Safety
+74.3%
74.3% Below Intrinsic Value
Value: $179
Price: $102
Valuation Model Estimates
Current Price: $102.44
DCF (Discounted Cash Flow)
$275.00
Graham Number
$149.09
Earnings Power Value
$109.62
Relative Value (P/E)
$180.37
Dividend Discount Model
$7.21
Consensus Value
$178.52
Model Assumptions
Discount Rate
10.3%
Growth Rate
14.7%
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%.
Health Score
B
69
Profitability
22/25
Strength
15/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Elevated debt — Debt/Equity ratio is 129%
Declining revenue — top line is shrinking
High free cash flow yield (42.0%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $12.26
- EPS (Forward)
- $14.07
- 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
- 14.7%
- Dividend Yield
- 0.1%
- Beta
- 1.15
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Data last updated: 2026-06-21
Source: Yahoo Finance