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Bread Financial Holdings, Inc.
BFHFinancial ServicesNYSEUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $4.70B | 11.0% | $516.89M | $2.09B | N/A |
| 2027 | $4.84B | 11.0% | $532.91M | $2.16B | $1.96B |
| 2028 | $4.99B | 11.0% | $549.43M | $2.22B | $1.84B |
| 2029 | $5.15B | 11.0% | $566.47M | $2.29B | $1.72B |
| 2030 | $5.31B | 11.0% | $584.03M | $2.36B | $1.61B |
| 2031 | $5.47B | 11.0% | $602.13M | $2.44B | $1.51B |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $10.96 | 2025-12-31 |
| EPS growth | +60.0% | Forecast years: 5 |
| Future EPS | $114.92 | EPS × (1 + G)^5 |
| Base P/E | 6.4 | P/E |
| Future price | $735.51 | Future EPS × P/E |
| Fair value today | $456.70 | PV @ 10.0% |
| 30% safety price | $319.69 | Margin of safety |
| 50% safety price | $228.35 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $813.61 | $910.63 | $1,042.94 |
| 10.0% | $715.07 | $786.61 | $880.15 |
| 11.0% | $637.31 | $691.77 | $760.77 |