BFH
Bread Financial Holdings, Inc.Financial Services · $4.1B market cap
Verdict
Share price
$98.05
close of Oct 3, 2026
Fair value
$290.76
Sticker Price
Payback Price
$116.30
buy price
BFH is On Sale: at $98.05 it trades 16% below its buy price (Payback Price) of $116.30 and 66% below its fair value of $290.76. Business quality is limited: none of the 5 key numbers clears the 10% bar.
How we valued it
Justified P/B (Financials). Most of its income comes from lending, so we value it like a bank: on its book value and how much it earns on it.
Business quality
0 of 5 clear the 10% bar. What are the Big Five?
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None of the investors we track holds BFH right now. In Q2 2026, 1 sold out. Who we track
Moves in Q2 2026
Sold out: Tweedy Browne
Insider activity
Since Jun 15, 2026: no open-market purchases, 1 sale worth $297K and 9 other filings (stock awards, tax withholding and similar). Why purchases matter
Sales
Other filings
About Bread Financial Holdings, Inc.
Bread Financial Holdings, Inc. offers cutting-edge payment and credit solutions to consumers and various industries throughout North America. Their services include comprehensive financing for credit cards and other loans, which involves managing risk, originating accounts, and providing funding for approximately 130 private label and co-branded credit card programs. They also support around 500 small and…
Financial - Credit Services
Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works