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 8.21 is considered Fairly compared with the five-year average of 6.90. The fair price of Bread Financial Holdings Inc (BFH) is between 53.89 to 92.97 according to relative valuation methord.
Relative Value
Fair Zone
53.89-92.97
Current Price：72.00
Fair
8.21
PE
1Y
3Y
5Y
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.
0.83
PS
Bread Financial Holdings Inc. (BFH) has a current PS of 0.83. The 5-year average PS is 0.69. The thresholds are as follows: Strongly Undervalued below 0.15, Undervalued between 0.15 and 0.42, Fairly Valued between 0.96 and 0.42, Overvalued between 0.96 and 1.22, and Strongly Overvalued above 1.22. The current Forward PS of 0.83 falls within the Historic Trend Line -Fairly Valued range.
1.69
P/OCF
Bread Financial Holdings Inc. (BFH) has a current P/OCF of 1.69. 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 1.69 falls within the Historic Trend Line -Fairly Valued range.
6.75
P/FCF
Bread Financial Holdings Inc. (BFH) has a current P/FCF of 6.75. The 5-year average P/FCF is 6.96. The thresholds are as follows: Strongly Undervalued below -11.45, Undervalued between -11.45 and -2.24, Fairly Valued between 16.16 and -2.24, Overvalued between 16.16 and 25.36, and Strongly Overvalued above 25.36. The current Forward P/FCF of 6.75 falls within the Historic Trend Line -Fairly Valued range.
Bread Financial Holdings Inc (BFH) has a current Price-to-Book (P/B) ratio of 1.00. Compared to its 3-year average P/B ratio of 0.74 , the current P/B ratio is approximately 34.18% higher. Relative to its 5-year average P/B ratio of 1.20, the current P/B ratio is about -16.99% 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 92.62%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 75.62% , the current FCF yield is about -100.00% lower.
1.00
P/B
Median3y
0.74
Median5y
1.20
61.58
FCF Yield
Median3y
92.62
Median5y
75.62
Competitors Valuation Multiple
The average P/S ratio for BFH's competitors is , providing a benchmark for relative valuation. Bread Financial Holdings Inc Corp (BFH) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of -5.32%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of BFH increased by 17.92% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 0.27 to 17.90.
The secondary factor is the Revenue Growth, contributed -5.32%to the performance.
Overall, the performance of BFH in the past 1 year is driven by Margin Expansion. Which is more sustainable.
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FAQ
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