Bread Financial Holdings, Inc. (BFH)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$110.87+1.91%
Close 2026-09-04 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
QuarterlyIQ Insights · BFH
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 12 valuation methods, at three horizons. As of 2026-09-06. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $111 BFH trades at 1.3× p/b, below its 1.6× p/b peer median. Our $128 fair value sits above the price. It's a high-confidence read. Analysts target $102–$132. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| analyst target | 12M | $112.00 | — | — | Analyst | high |
| dcf fcfe | 12M | $817.71 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $908.21 | — | — | Hist. CAGR | high |
| ddm gordon | 12M | $11.69 | — | — | TTM | high |
| graham number | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A long-thesis check that carries the widest uncertainty of the three horizons.
Top 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
$102.00 – $132.00 (median $112.00) · 14 analysts · as of 2026-08-25
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks cheaper than most peers in the same business.
Around its own typical valuation.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $160.34 |
| — |
| — |
| TTM |
| high |
| Peer P/B | 12M | $129.03 | 1.6 | 82.68 | TTM | high |
| Peer P/FCF | 12M | $236.36 | 4.4 | 53.22 | TTM | high |
| Peer P/E | 12M | $125.06 | 9.0 | 13.82 | TTM | high |
| Peer P/S | 12M | $170.90 | 1.4 | 122.38 | TTM | high |
| residual income | 12M | $101.76 | — | — | TTM | high |
| Own P/E history | 12M | $102.19 | 7.4 | 13.82 | TTM | high |
| triangulated | 12M | $137.42 | 9.0 | 15.19 | Triangulated | high |
| Peer P/B | 3Y | $158.70 | 1.6 | 101.69 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $285.69 | 4.4 | 64.33 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $134.21 | 9.0 | 14.83 | Analyst | medium |
| Peer P/S | 3Y | $113.64 | 1.4 | 81.38 | Analyst | medium |
| Own P/E history | 3Y | $109.66 | 7.4 | 14.83 | Analyst | medium |
| Peer P/B | 5Y | $182.17 | 1.6 | 116.73 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $324.17 | 4.4 | 72.99 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $102.24 | 9.0 | 11.30 | Analyst | high |
| Peer P/S | 5Y | $86.57 | 1.4 | 62.00 | Analyst | high |
| Own P/E history | 5Y | $83.54 | 7.4 | 11.30 | Analyst | high |