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BFH
$94.22+2.80 (+3.06%)
After Hours$94.98+0.76 (+0.81%)· Last close Jun 9
Bread Financial Holdings, Inc.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Bread Financial Holdings, Inc. in the Financial Services sector is trading at $94.22 with a market capitalization of $3.6B. Wall Street consensus targets $96.19 (16 analysts), implying a +2.1% move over the next 12 months. The stock is currently near its 52-week high of $99.13, remaining 30.4% above its 200-day moving average. On fundamentals, Piotroski 7/9 indicates strong financial quality. The Whystock Score of 95/100 reflects bullish alignment across trend, valuation and analyst targets.
Ecosystem Influences
Sell-side consensus broadly in line with current price
Long-term trend bullish (price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Anchored to each ticker's own 5-year median trailing P/E, tilted by current ROE and growth. Fair P/E = own median P/E + (ROE × 10) + (max(revenue growth, earnings growth) × 15), capped at ±30% around the historical anchor. Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. Premium compounders like COST/MSFT are judged against their own multi-year norm rather than a sector median. Falls back to the sector-anchored formula (Tech ≈ 28, Comm Services ≈ 24, Utilities ≈ 18, Financials ≈ 14, etc.) for recent IPOs and tickers with insufficient history (< 24 monthly samples). Result is a normalised multiple gauge — not a price target.
Current Price$94.22
Potential Upside
10.9%
Whystock Fair Value$104.50
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus16 analysts
Buy
Mean target$96.19+2.1%
Range$70.00 – $115.00
Fundamentals
Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwritin...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$3.57B
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
7.21
Beta
High-beta play. Expect amplified moves vs. the broad market.
1.15
Div Yield
Low to zero yield. Return is entirely dependent on price appreciation.
0.71%
ROE
Elite ROE. Management converts capital into profit efficiently.
16.90%
Volume
Today's trading volume
515,885
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