BFH Valuation

Bread Financial Holdings Inc

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62.630

-0.83(-1.308%)1D

Overview
Forecast
Valuation
Earnings

BFH Relative Valuation

BFH's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, BFH is overvalued; if below, it's undervalued.

Historical Valuation

Bread Financial Holdings Inc (BFH) is now in the Fair zone, suggesting that its current forward PE ratio of 8.08 is considered Fairly compared with the five-year average of 6.81. The fair price of Bread Financial Holdings Inc (BFH) is between 49.41 to 84.36 according to relative valuation methord.

Relative Value

Fair Zone

49.41-84.36

Current Price：62.63

Fair

8.08

Trailing

Forward

0.00

EV/EBITDA

Bread Financial Holdings Inc. (BFH) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Bread Financial Holdings Inc. (BFH) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

0.76

Bread Financial Holdings Inc. (BFH) has a current PS of 0.76. The 5-year average PS is 0.68. The thresholds are as follows: Strongly Undervalued below 0.14, Undervalued between 0.14 and 0.41, Fairly Valued between 0.95 and 0.41, Overvalued between 0.95 and 1.22, and Strongly Overvalued above 1.22. The current Forward PS of 0.76 falls within the Historic Trend Line -Fairly Valued range.

1.57

P/OCF

Bread Financial Holdings Inc. (BFH) has a current P/OCF of 1.57. The 5-year average P/OCF is 1.73. The thresholds are as follows: Strongly Undervalued below -0.17, Undervalued between -0.17 and 0.78, Fairly Valued between 2.68 and 0.78, Overvalued between 2.68 and 3.63, and Strongly Overvalued above 3.63. The current Forward P/OCF of 1.57 falls within the Historic Trend Line -Fairly Valued range.

6.64

P/FCF

Bread Financial Holdings Inc. (BFH) has a current P/FCF of 6.64. The 5-year average P/FCF is 6.78. The thresholds are as follows: Strongly Undervalued below -11.75, Undervalued between -11.75 and -2.49, Fairly Valued between 16.04 and -2.49, Overvalued between 16.04 and 25.30, and Strongly Overvalued above 25.30. The current Forward P/FCF of 6.64 falls within the Historic Trend Line -Fairly Valued range.

Bread Financial Holdings Inc (BFH) has a current Price-to-Book (P/B) ratio of 0.92. Compared to its 3-year average P/B ratio of 0.73 , the current P/B ratio is approximately 25.44% higher. Relative to its 5-year average P/B ratio of 1.25, the current P/B ratio is about -26.52% higher. Bread Financial Holdings Inc (BFH) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 94.36%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 74.45% , the current FCF yield is about -100.00% lower.

0.92

P/B

Median3y

0.73

Median5y

1.25

62.64

FCF Yield

Median3y

94.36

Median5y

74.45

Competitors Valuation Multiple

The average P/S ratio for BFH's competitors is 1.94, providing a benchmark for relative valuation. Bread Financial Holdings Inc Corp (BFH) exhibits a P/S ratio of , which is -100.00% above the industry average. Given its robust revenue growth of -4.76%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

BFH.N

Bread Financial Holdings Inc

Enova International Inc

Hertz Global Holdings Inc

Performance Decomposition

Market capitalization of BFH increased by 33.84% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 8.29 to 10.69.

The secondary factor is the Margin Expansion, contributed 9.67%to the performance.

Overall, the performance of BFH in the past 1 year is driven by P/E Change. Which is more unsustainable.

-4.76%

1.07B → 1.02B

Revenue Growth

9.67%

12.41 → 13.61

Margin Expansion

28.93%

8.29 → 10.69

P/E Change

33.84%