Bread Financial Holdings, Inc. (BFH) is a Financial - Credit Services company in the Financial Services sector, currently trading at $82.64. It has a SharesGrow Score of 63/100, indicating a above average investment profile with 4 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of BFH = $252.90 (+206% from the current price, the stock appears undervalued). Analyst consensus target is BFH = $84 (+1.9% upside).
Valuation: BFH trades at a trailing Price-to-Earnings (P/E) of 6.8 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.42.
Financials: revenue is $4.7B, +3%/yr average growth. Net income is $518M, growing at +82.5%/yr. Net profit margin is 11% (healthy). Gross margin is 63.3% (+11.3 pp trend).
Balance sheet: total debt is $4.4B against $3.3B equity (Debt-to-Equity (D/E) ratio 1.32, moderate). Current ratio is 0.27 (tight liquidity). Debt-to-assets is 19.4%. Total assets: $22.7B.
Analyst outlook: 15 / 37 analysts rate BFH as buy (41%) — mixed sentiment.
SharesGrow 7-Criteria breakdown: Value 88/100 (Pass), Growth 73/100 (Pass), Past 100/100 (Pass), Health 17/100 (Fail), Moat 74/100 (Pass), Future 34/100 (Fail), Income 55/100 (Partial).
