Bread Financial Holdings

Regulatory Pressures And Payment Shifts Will Hurt Consumer Finance

AnalystLowTarget

Not Invested

Consensus Narrative from 15 Analysts

Published

05 May 25

Updated

09 Aug 25

AnalystLowTarget's Fair Value

US$51.00

20.5% overvalued

09 Aug

US$61.45

14.9%

6.3%

Author's Valuation

US$51.0

20.5% overvalued

AnalystLowTarget Fair Value

Narrative

Updates1

Shared on08 May 25
Fair value Increased 13%

AnalystLowTarget Fair Value

US$51.0

20.5% overvalued

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

11.33%

Calculation

US$329.32m

Earnings '28

8.15x

PE Ratio '28

US$2.68b

Market Cap '28

US$2.68b

Market Cap '28

38.61m

No. shares '28

US$69.55

Share Price '28

US$69.55 Share Price '28

Discounted to 2025 @ 11.48% p.a.

US$50.20

Fair Value '25

Regulatory Pressures And Payment Shifts Will Hurt Consumer Finance

Shared on08 May 25Fair value Increased 13%

Shared on08 May 25
Fair value Increased 13%