What is Bread Financial Holdings, Inc. (BFHIV)'s fair-value range?

EvidInvest reads Bread Financial Holdings, Inc. (BFHIV)'s market price back into the assumptions behind it — the implied P/E, growth rate and cash yield — using its latest filed financials, then lets you set your own. See the full DCF, Graham number, EPV and multiple-based methods at https://evidinvest.com/valuation/BFHIV.

How is Bread Financial Holdings, Inc. (BFHIV)'s fair value calculated?

Bread Financial Holdings, Inc. (BFHIV)'s fair value is computed with several independent methods — a discounted cash flow (DCF) model, the Graham number, earnings power value (EPV), and valuation multiples (PE, EV/EBITDA, P/S, P/B) benchmarked against its industry — using data from SEC filings.

What is Bread Financial Holdings, Inc. (BFHIV)'s PE ratio versus its industry?

EvidInvest shows Bread Financial Holdings, Inc. (BFHIV)'s current and historical PE ratio alongside its sector and industry averages, so you can see whether the stock trades at a premium or discount to peers. Full breakdown at https://evidinvest.com/valuation/BFHIV.

Fair value · Bread Financial Holdings, Inc. (BFHIV) · updated 2026-09-20 · from 10-K FY2025

Bread Financial Holdings trades at $24.70. That price implies a P/E of 1.9×.

Previous close

Are those assumptions reasonable? Use BFHIV’s filed growth history and the AI chat to decide, then set your own inputs below — the range you build is yours.

What the price implies

P/E: 1.9×

Prices and market caps: Cboe delayed data, at least 15 minutes delayed. Not real-time. Fundamentals from company filings. This price: Previous close.

Set your own assumptions ↓See how each method got its number Check another stock

The filing behind these numbers

Bread Financial Holdings, Inc.

Revenue: $4.9B
Diluted EPS: $10.89
Free cash flow: —; operating cash flow − capital expenditure
Diluted shares: 47.6M; weighted average

10-K FY2025 · fiscal year ended 2025-12-31 · filed 2026-02-13 · accession 0001101215-26-000016

Trailing-twelve-month EPS also uses the quarterly 10-Qs through Q2 FY2026 (filed 2026-07-28).

Open this filing on sec.gov

Valuation tool: build your own BFHIV range

Fair Value Summary

Your range0 of 8 methods

At least two methods need a usable value to draw a range with these inputs.

Range with preset inputs

No preset range for this company yet.

The two ranges are identical because every input sits on a preset.

We don’t tell you what BFHIV is worth. Every tab OPENS on what today’s price implies for that method’s key assumption; you decide whether that assumption is reasonable — the growth matrix has BFHIV’s filed history and the AI chat will reason it through with you — and the range you build is yours. Our presets are filed history and reference settings, never a recommendation.

Discounted cash flow

N/A

Starting free cash flow is not positive; the model has nothing to grow.

Preset inputs — revenue-driven DCF from the latest filing

Two-stage FCF model at the same filed inputs: $6664.32 — move any slider below and that model takes over.

• Starting free cash flow is not positive; the model has nothing to grow.

Implied by today’s price

The price implies stage-1 FCF growth of -50.0%. Even free cash flow shrinking 50% a year lands above today’s price with the other inputs held; −50% is the edge of what this model can show.

Not solvable from the price — Even free cash flow shrinking 50% a year lands above today’s price with the other inputs held; −50% is the edge of what this model can show. Showing preset inputs.

That is the assumption the market is making — not ours, and not a recommendation. Decide whether it is reasonable: the growth matrix shows what BFHIV has actually filed, and the AI chat will reason it through with you.

Your inputs

Free cash flow grows at your stage-1 rate, then your stage-2 rate, then a terminal rate; everything is discounted at your WACC.

Stage-1 growth60.0%

Yearly free-cash-flow growth for the first stage. Starts below zero so a shrinking-cash-flow case — and the rate today’s price implies — can be set.

-20.0%90.0%

Stage-1 years5 yrs

How long stage-1 growth lasts.

1 yrs10 yrs

Stage-2 growth7.3%

Slower growth after stage 1, before the terminal phase.

-20.0%30.0%

Stage-2 years5 yrs

0 yrs10 yrs

Terminal growth2.5%

Growth forever after the two stages. Above ~3% is rarely justified.

0.0%5.0%

Discount rate (WACC)9.00%

The return you require. Default is the WACC EvidInvest computed for this company. Higher discount rate, lower value.

3.00%15.00%

Net debt ($M)Debt minus cash, from the balance sheet. Subtracted from enterprise value.

Starting FCF ($M)Latest free cash flow from the filing (operating cash flow minus capex).

Shares (M)Diluted shares, from the filing.

Year by year (two-stage model, $M)

PV explicit $106,183M · PV terminal $207,829M · EV $314,012M · equity $313,223M

Year	Stage	FCF	Present value
1	Stage 1	$3,347M	$3,071M
2	Stage 1	$5,356M	$4,508M
3	Stage 1	$8,569M	$6,617M
4	Stage 1	$13,710M	$9,713M
5	Stage 1	$21,936M	$14,257M
6	Stage 2	$23,538M	$14,035M
7	Stage 2	$25,256M	$13,816M
8	Stage 2	$27,099M	$13,600M
9	Stage 2	$29,078M	$13,388M
10	Stage 2	$31,200M	$13,179M

Inputs from the filing

Free cash flow: $1.8B; sum of the last four quarters
EBIT: —; latest annual
Shares: 47.6M
Total debt: $4.4B
Cash: $3.6B
Net debt: $789.0M; debt − cash

10-K FY2025 · period ended 2025-12-31 · filed 2026-02-13 · accession 0001101215-26-000016 · sec.gov

Prefer a blank slate with reverse DCF? Open the standalone DCF / reverse DCF for BFHIV

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Bread Financial Holdings trades at $24.70. That price implies a P/E of 1.9×.

The filing behind these numbers

Valuation tool: build your own BFHIV range

Your range0 of 8 methods

Range with preset inputs

Your inputs

Year by year (two-stage model, $M)

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Valuation tool: build your own BFHIV range

Your range0 of 8 methods

Range with preset inputs

Your inputs

Year by year (two-stage model, $M)

More on BFHIV

Compare with peers

Explore