Intrinsic Value of S&P & Nasdaq Contact Us

Bread Financial Holdings, Inc. BFH NYSE

NYSE • Financial Services • Financial - Credit Services • US • USD

SharesGrow Score
63/100
4/7 Pass
SharesGrow Intrinsic Value
$252.90
+206%
Analyst Price Target
$84.17
+1.9%
SharesGrow 7-Criteria Score All 7 criteria scored · valuation-related highlighted on this page

Bread Financial Holdings, Inc. (BFH) trades at a trailing P/E of 6.8, forward P/E of 8.1. Trailing earnings yield is 14.76%, forward earnings yield 12.35%. PEG 0.07 (Peter Lynch undervalued ≤1.0). Graham Number is $138.69.

Criteria proven by this page:

  • VALUE (88/100, Pass) — P/E is below market average (6.8); PEG ≤ 1.0 — Peter Lynch undervalued (0.07); earnings yield beats bond yields (14.76%).
  • PEG Ratio 0.07 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
  • Trailing Earnings Yield 14.76% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income.
  • Analyst consensus target $84.17 (+1.9% upside) — modest upside expected.

Overall SharesGrow Score: 63/100 with 4/7 criteria passed.

SharesGrow 7-Criteria Score
63/100
SG Score
View full scorecard →
VALUE
88/100
Price-to-Earnings & upside
Proven by this page
FUTURE
34/100
Analyst consensus
→ Forecast
PAST
100/100
→ Income
HEALTH
17/100
Debt-to-Equity & liquidity
→ Health
MOAT
74/100
→ Income
GROWTH
73/100
→ Income
~
INCOME
55/100
→ Income

Valuation Snapshot — BFH

Valuation Multiples
P/E (TTM)6.8
Forward P/E8.1
PEG Ratio0.07
Forward PEG0.53
P/B Ratio1.05
P/S Ratio0.76
EV/EBITDA6.3
Per Share Data
EPS (TTM)$11.54
Forward EPS (Est.)$10.20
Book Value / Share$74.10
Revenue / Share$104.65
FCF / Share$46.41
Yields & Fair Value
Earnings Yield14.76%
Forward Earnings Yield12.35%
Dividend Yield1.13%
Graham Number$138.69
SharesGrow IV$252.90 (+206%)
Analyst Target$84.17 (+1.9%)

Historical Valuation

Year P/E (TTM) PEG Ratio P/B Ratio P/S Ratio Dividend Yield
2016 20.7 -1.20 6.44 1.50 0.28%
2017 14.3 0.15 6.07 2.06 1.03%
2018 6.8 0.29 2.82 1.16 1.91%
2019 16.1 -0.46 2.82 1.34 2.85%
2020 13.2 -0.22 1.86 0.86 2.16%
2021 4.1 0.02 1.59 1.01 1.27%
2022 8.4 -0.12 0.83 0.43 2.29%
2023 2.3 0.01 0.56 0.32 2.56%
2024 10.9 -0.18 0.99 0.63 1.42%
2025 6.4 0.06 1.00 0.71 1.26%

EPS: Actual vs Estimates

P/E Ratio & Earnings Yield

Earnings Per Share (EPS) History

Year EPS (Diluted) Revenue Net Income Net Margin
2016 $7.34 $7.14B $515.8M 7.2%
2017 $14.10 $5.47B $788.7M 14.4%
2018 $17.48 $5.67B $963.1M 17%
2019 $11.45 $3.35B $278M 8.3%
2020 $6.16 $3.3B $214M 6.5%
2021 $16.02 $3.27B $801M 24.5%
2022 $4.46 $4.37B $223M 5.1%
2023 $14.36 $5.17B $718M 13.9%
2024 $5.50 $4.8B $277M 5.8%
2025 $10.96 $4.7B $518M 11%

Analyst Estimates

Year EPS (Avg) EPS Range Revenue (Avg) Revenue Range Analysts
2026 $10.09 $7.94 – $11.11 $3.96B $3.92B – $4.08B 10
2027 $11.70 $8.15 – $13.04 $4.11B $4.05B – $4.19B 10
2028 $13.37 $11.36 – $15.37 $4.37B $4.3B – $4.44B 2
Contact Us
🎓
SharesGrow Academy
Learn how to calculate Intrinsic Value and find undervalued stocks.
Weekly live sessions
Send us a message