Bread Financial Holdings

Digital Payments And AI Will Fuel Embedded Credit Expansion

AnalystHighTarget

Not Invested

Consensus Narrative from 15 Analysts

Published

02 May 25

Updated

15 Aug 25

AnalystHighTarget's Fair Value

US$92.69

35.6% undervalued

15 Aug

US$59.70

10.0%

2.5%

Author's Valuation

US$92.7

35.6% undervalued

AnalystHighTarget Fair Value

Narrative

Updates1

Shared on07 May 25
Fair value Increased 14%

AnalystHighTarget Fair Value

US$92.7

35.6% undervalued

Future estimation in

% p.a.

Decrease

Increase

Current revenue growth rate

13.26%

Consumer Finance revenue growth rate

0.86%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

Decrease

Increase

Current discount rate

11.30%

Calculation

US$509.79m

Earnings '28

9.53x

PE Ratio '28

US$4.86b

Market Cap '28

US$4.86b

Market Cap '28

38.61m

No. shares '28

US$125.90

Share Price '28

US$125.90 Share Price '28

Discounted to 2025 @ 11.33% p.a.

US$91.24

Fair Value '25

Digital Payments And AI Will Fuel Embedded Credit Expansion

Shared on07 May 25Fair value Increased 14%

Shared on07 May 25
Fair value Increased 14%