Bread Financial Holdings, Inc. (BFH) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Bread Financial Holdings, Inc. stock (BFH) is currently trading at $75.11. Bread Financial Holdings, Inc. PE ratio is 6.80. Bread Financial Holdings, Inc. PS ratio (Price-to-Sales) is 1.30. Analyst consensus price target for BFH is $83.53. WallStSmart rates BFH as Buy.
- BFH PE ratio analysis and historical PE chart
- BFH PS ratio (Price-to-Sales) history and trend
- BFH intrinsic value — DCF, Graham Number, EPV models
- BFH stock price prediction 2025 2026 2027 2028 2029 2030
- BFH fair value vs current price
- BFH insider transactions and insider buying
- Is BFH undervalued or overvalued?
- Bread Financial Holdings, Inc. financial analysis — revenue, earnings, cash flow
- BFH Piotroski F-Score and Altman Z-Score
- BFH analyst price target and Smart Rating
Bread Financial Holdings, Inc.
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BFH Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Bread Financial Holdings, Inc. (BFH)
BFH trades at a significant discount to its Graham intrinsic value of $512.93, offering a 85% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Bread Financial Holdings, Inc. (BFH) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/sales, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Bread Financial Holdings, Inc. (BFH) Key Strengths (8)
Growing significantly faster than its price suggests
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 735.00% year-over-year
112.59% of shares held by major funds and institutions
Paying $1.30 for every $1 of annual revenue
Strong profitability: $20 kept per $100 revenue
Mid-cap company balancing growth potential with stability
Solid profitability: $16 profit per $100 equity
Supporting Valuation Data
Bread Financial Holdings, Inc. (BFH) Areas to Watch (2)
Decent operational efficiency, solid but not exceptional
Solid revenue growth at 18.50% per year
Bread Financial Holdings, Inc. (BFH) Detailed Analysis Report
Overall Assessment
This company scores 82/100 in our Smart Analysis, earning a A- grade. Out of 10 metrics analyzed, 8 register as strengths (avg 8.8/10) while 2 fall into concern territory (avg 6.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Book, EPS Growth. Valuation metrics including PEG Ratio (0.71), Price/Sales (1.30), Price/Book (0.97) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 16.30%, Profit Margin at 19.90%. Growth metrics are encouraging with EPS Growth at 735.00%.
The Bear Case
The primary concerns are Operating Margin, Revenue Growth. Growth concerns include Revenue Growth at 18.50%, which may limit upside. Profitability pressure is visible in Operating Margin at 16.90%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Operating Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 16.30% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 18.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Price/Book makes a compelling case at current levels. The key risk is Operating Margin, but the overall fundamental picture is positive with a clear path to maintaining or improving the current A- grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
BFH Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
BFH's Price-to-Sales ratio of 1.30x trades 18% below its historical average of 1.6x (26th percentile). The current valuation is 57% below its historical high of 3.06x set in Dec 2013, and 178% above its historical low of 0.47x in Mar 2020.
WallStSmart Analysis Synopsis
Data-driven financial summary for Bread Financial Holdings, Inc. (BFH) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Bread Financial Holdings, Inc. is a strong growth company balancing expansion with improving profitability. Revenue reached 2.6B with 19% growth year-over-year. Profit margins of 19.9% are healthy, with room for further expansion as the business scales.
Key Findings
Generating 560M in free cash flow and 568M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Bread Financial Holdings, Inc..
Bottom Line
Bread Financial Holdings, Inc. offers an attractive blend of growth (19% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Bread Financial Holdings, Inc.(BFH)
NYSE
FINANCIAL SERVICES
CREDIT SERVICES
USA
Bread Financial Holdings Inc. provides lending and payment technology solutions to customers and consumer-based industries in North America. The company is headquartered in Columbus, Ohio.