Bread Financial Holdings Inc Dossier
Valuation
How Intrinsic Value compares with model outputs
Intrinsic Value $59.73median of 2 methodsbased on filings through 30 Jun 2026
Market Price $96.94Price as of 1 Oct 2026
Valuation methods vs. Market Price
$0$200$400$600$800$1K
DCF
$781.61
DNI
$436.58
P/S
Not available
abstainedP/E
$71.98◇ $120.52
P/B
$47.49◇ $113.80
PEG
$208.45
$0$200$400$600$800$1K
Market Price ($96.94) Intrinsic Value ($59.73) peer-implied value
Company vs. peer median Members
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Assumptions
| Parameter | Value |
|---|---|
| Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: -3.4% (near-term consensus, capped) · years 2–5: 13.6%/yr (balance of the path). | 10.0% per year |
Years 6–10: glide to demonstrated growthPer-year ratesYr 612.9%Yr 712.2%Yr 811.5%Yr 910.7%Yr 1010.0% | 13.6% → 10.0% |
Years 11–20: glide to long-run ratePer-year ratesYr 119.3%Yr 128.6%Yr 137.9%Yr 147.2%Yr 156.5%Yr 165.8%Yr 175.1%Yr 184.4%Yr 193.7%Yr 203.0% | 10.0% → 3.0% |
| Beyond year 20: terminal growthPerpetual long-run rate | 3.0% |
| Historical EPS growth (multi-year median)median of 3 windows (5/6/7y) | 12.2% |
| Discount rate (cost of equity) | 9.8% |
| Volatility vs market (adjusted beta) | 1.08 |
Valuation Detail Members
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Assumptions Sandbox Members
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Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.