Bread Financial Holdings

Regulatory Pressures And Payment Shifts Will Hurt Consumer Finance

AnalystLowTarget

Not Invested

Community Contributor

Published

05 May 25

Updated

08 May 25

n/a

AnalystLowTarget's Fair Value

n/a

7.4%

-2.9%

7.4%

-2.9%

You can edit this narrative until May 12 6:00 AM. Then, changes will post as Updates.

Author's Valuation

US$5121.4% overvalued

AnalystLowTarget Fair Value

Narrative

Updates1

Shared on 08 May 25

Fair value Increased 13%

AnalystLowTarget Fair Value

US$51

21.4% overvalued

Future estimation in

% p.a.

Decrease

Increase

Current revenue growth rate

12.39%

Consumer Finance revenue growth rate

0.71%

Risk Level (Discount Rate)

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

Decrease

Increase

Current discount rate

10.96%

Calculation

US$330.89m

Earnings '28

8.07x

PE Ratio '28

US$2.67b

Market Cap '28

US$2.67b

Market Cap '28

38.52m

No. shares '28

US$69.35

Share Price '28

US$69.35 Share Price '28

Discounted to 2025 @ 11.29% p.a.

US$50.31

Fair Value '25