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Bread Financial Holdings Inc. (A1LL34) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Bread Financial Holdings Inc. BRL 213, price BRL 128, upside +65.8%, quality 66 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · BR · Home US

BF Broad data Sep 24, 2026

Bread Financial Holdings Inc.

A1LL34 · SA

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value R$212.53 · Strongly undervalued (+65.8%)
✓Quality 66/100
!Weak Growth (revenue 5y −0.1 %/yr)
✓Highly profitable · 21.2% net margin (TTM)
✓Moderate debt · generates free cash flow
✓0.7% dividend yield · Well covered
✓Ranks above peers (9/15)
✓Wide moat 70/100
!Insider activity 40/100
!Weak on dividend: 14 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

R$147.90 R$28.58 Fair Value R$212.53 Jul 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range R$28.58 – R$147.90 · fair‑value band R$159.39 – R$265.66 · the R$128.18 price screens below the R$212.53 fair value. Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America.

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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, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.

Stock analysis

Bread Financial Holdings Inc. (A1LL34) currently trades at R$128.18, while our model-based Fair Value estimate is R$212.53, implying the stock looks roughly 39.7% undervalued today.

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Valuation

Bull case: the Growth DCF group reads highest at a median of R$488.63 per share, and 9 of the 12 models we run sit above the R$128.18 price.

Bear case: the Asset-Based group reads lowest at R$72.02, and 3 of the 12 models stay below the price. Evidence for this calculation is high.

Scenario range: R$159.39 (bear) to R$265.66 (bull), the price of R$128.18 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 66/100 (solid quality), in the Financial Services sector.

Weak Growth: Revenue growth is weak: less than 2 % a year.

Bread Financial Holdings Inc. reported revenue of $4.5B in FY2025 versus $3.3B in FY2021, a compound +8.3%/yr. Reported net income was $518M in FY2025, compounding −10.3%/yr from FY2021.

Key figures

Market cap R$19.5B (≈ $3.7B) · P/E ratio 8.1 · P/S ratio 0.93 · EPS (TTM) R$15.87 · Dividend yield 0.7% · Net margin 11.5% · Return on equity 17.5% · Return on assets (EBIT) 2.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).

What moves the price

The share trades about 13% below its 52-week high and 76% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 66%, A1LL34 screens cheaper than that median.

Fair Value models

Bear R$159.39 Fair Value R$212.53 Bull R$265.66
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (R$11.33 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Growth DCF R$788.48 R$1,063 R$1,517 79
Owner Earnings R$301.35 R$419.92 R$632.70 76
Residual Income R$107.37 R$129.09 R$164.63 76
All 12 models by family
DCF Models
Owner Earnings R$301.35 R$419.92 R$632.70 76
5Y P/E Exit R$371.81 R$454.44 R$555.81 72
10Y P/E Exit R$522.03 R$592.76 R$653.82 65
Earnings-Based
Graham-Dodd R$113.81 R$139.10 R$156.49 67
Dividend Discount
Gordon GGM R$11.92 R$12.99 R$14.61 69
DDM Multi-Stage R$11.92 R$14.73 R$18.56 67
Multiples
P/E Multiple R$163.18 R$217.58 R$271.97 63
P/B Multiple R$112.87 R$150.50 R$188.12 55
Asset-Based
NCAV (Graham) R$53.75 R$72.02 R$107.50 54
Growth DCF
Growth DCF R$788.48 R$1,063 R$1,517 79
Rev-Margin DCF R$387.53 R$488.63 R$604.38 74
Economic Profit
Residual Income R$107.37 R$129.09 R$164.63 76

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Quality Score breakdown

Overall quality 66/100

Of which business quality 68 · Market factors (momentum, volatility) 69

Profitability 36
Margins and returns on capital today
Quality Growth 53
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 53
Balance sheet, leverage, solvency risk
Investment 77
Disciplined investing over empire-building
Low Volatility 53
Calm price path (market factor)
Momentum 70
Price trend over the last 3–12 months (market factor)
52W Momentum 87
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 40/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
−3.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−0.1%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−7.6%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+7.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.0%
Dividend (yield on the price)0.7%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.9% → 14%
2025 sits 108% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
⚠ Revenue per share shrinking 3.6%/yr over ~5Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.

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Earlier news

News mood ⓘNews mood, the average tone of recent news (98 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 331 stocks

Beats the industry median on 9/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 71 · Top 25%
Fair Value upside +108.9% · Top 25%
Profitability
Return on equity (TTM) 17.5% · Top 25%
Return on assets 2.5% · Above median
Net margin (TTM) 21.2% · Below median
Operating margin (TTM) 34.0% · Above median
Growth and dividend
Revenue growth 6.1% · Below median
Dividend yield (TTM) 0.7% · Bottom 25%
Balance sheet
Debt / equity 1.30× · Above median

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (TTM) 8.1× · Cheaper than median
P/B 1.12× · Pricier than median
P/S (TTM) 1.41× · Cheaper than median
P/FCF 1.8× · Cheapest 25%
EV/EBITDA 6.5× · Cheapest 25%
PEG 3.19× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 55
FUTURE (revenue growth)31 · sector 51
PAST (return on equity)70 · sector 32
HEALTH (low debt)35 · sector 59
DIVIDEND (yield)14 · sector 64

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Visa Inc V $359.33 $221.29 −38%
Mastercard Incorporated MA $551.47 $359.54 −35%
American Express Company AXP $304.10 $208.54 −31%
Capital One Financial Corporation COF $193.07 $125.94 −35%
Bajaj Finance Limited BAJFINANCE ₹948.30 ₹1,100 +16%
PayPal Holdings PYPL $53.06 $104.12 +96%
Shriram Finance Limited SHRIRAMFIN ₹994.10 ₹1,364 +37%
Affirm Holdings AFRM $67.21 $73.93 +10%
Synchrony Financial, SYF $71.52 $141.92 +98%
SoFi Technologies, Inc SOFI $15.72 $5.53 −65%

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Cite: Fair Value Calculator (2026). "Bread Financial Holdings Inc. Fair Value". https://www.fairvalue-calculator.com/stock/A1LL34

Frequently asked questions

Is Bread Financial Holdings Inc. (A1LL34) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of R$212.53 versus a price of R$128.18, about +66% upside (undervalued).
What is the fair value of A1LL34?
Our model-based fair value for Bread Financial Holdings Inc. is R$212.53 (as of Sep 24, 2026), built from audited fundamentals. The current price: R$128.18.
What is the quality score of A1LL34?
Bread Financial Holdings Inc. has a Quality Score of 66/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bread Financial Holdings Inc. (A1LL34)?
Our model-based price target is the fair value of R$212.53 (as of Sep 24, 2026) from 12 valuation models. Cautious scenario R$159.39, optimistic scenario R$265.66. It is a calculation from audited fundamentals, not an analyst target.
What is the Bread Financial Holdings Inc. stock forecast for 2026?
Our models put fair value at R$212.53, about +66% upside versus a price of R$128.18 (undervalued). Cautious scenario R$159.39, optimistic scenario R$265.66. The calculation is refreshed regularly with new filings.
What is the revenue of Bread Financial Holdings Inc. (A1LL34)?
Bread Financial Holdings Inc. reported trailing-twelve-month revenue of about $2.6B (latest available figure, as of Sep 24, 2026).
Does Bread Financial Holdings Inc. pay a dividend?
Bread Financial Holdings Inc. currently shows a dividend yield of about 0.69% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Bread Financial Holdings Inc. (A1LL34)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bread Financial Holdings Inc. it is R$212.53 per share (as of Sep 24, 2026), against a price of R$128.18. It is the blended result of 12 valuation models (cash flow, earnings, asset, dividend).
Is Bread Financial Holdings Inc. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, A1LL34 trades below its calculated fair value: price R$128.18, fair value R$212.53, a gap of about +66% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of A1LL34?
No. The price is what the market pays today (R$128.18); the fair value is what the company's own numbers justify (R$212.53). For Bread Financial Holdings Inc. the two are R$84.35 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bread Financial Holdings Inc. worth?
The market values Bread Financial Holdings Inc. at about R$19.5B (market capitalisation, as of Sep 24, 2026). Per share that is R$128.18; our models calculate a fair value of R$212.53 per share.
What do the bullish and bearish scenarios say about A1LL34?
Our models span a range for Bread Financial Holdings Inc.: cautious scenario R$159.39, base R$212.53, optimistic R$265.66 per share (as of Sep 24, 2026, price R$128.18). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of A1LL34?
Bread Financial Holdings Inc. trades at a price-to-earnings ratio of 8.1 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of R$212.53 is built from several models across several years. Other multiples: PEG 3.2, P/B 1.1, P/S 1.4, EV/EBITDA 6.5.
What is the PEG ratio of A1LL34?
The PEG ratio of Bread Financial Holdings Inc. is 3.19 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Bread Financial Holdings Inc. (A1LL34)?
Balance-sheet figures for Bread Financial Holdings Inc. (as of Sep 24, 2026): return on equity 17.5%, debt of 1.30 per unit of equity. They feed the Quality Score of 66/100, which measures business quality independently of the share price.
How far is A1LL34 from its 52-week high?
Bread Financial Holdings Inc. trades at R$128.18, about 13% below its 52-week high of R$147.90 and 76% above the low of R$72.82 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of R$212.53 is for.
Which stocks are comparable to Bread Financial Holdings Inc.?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bread Financial Holdings Inc. stock attractive at the current price?
The data as of Sep 24, 2026: price R$128.18, calculated fair value R$212.53 (+66%), Quality Score 66/100, from 12 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of A1LL34 calculated?
We run Bread Financial Holdings Inc. through 12 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of R$212.53, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Bread Financial Holdings Inc. currently trades 40 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bread Financial Holdings Inc. (A1LL34)?
The closing price on Oct 2, 2026 was R$128.18. Our model-based fair value is R$212.53, about +66% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bread Financial Holdings Inc. right now?
The price is below even our cautious bear case (R$159.39). The market is more pessimistic than our downside scenario. Solid quality (66/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Bread Financial Holdings Inc.

How large is the market capitalisation of Bread Financial Holdings Inc. (A1LL34)?
The market capitalisation of Bread Financial Holdings Inc. is R$19.5B (≈ $3.7B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bread Financial Holdings Inc. (A1LL34)?
The price-to-sales ratio of Bread Financial Holdings Inc. is 0.93 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bread Financial Holdings Inc. (A1LL34)?
Earnings per share at Bread Financial Holdings Inc. are R$15.87 (price ÷ EPS = P/E 8.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bread Financial Holdings Inc. (A1LL34)?
The dividend yield of Bread Financial Holdings Inc. is 0.7% (payout 5.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bread Financial Holdings Inc. (A1LL34)?
The net margin of Bread Financial Holdings Inc. is 11.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bread Financial Holdings Inc. (A1LL34)?
The return on equity (ROE) of Bread Financial Holdings Inc. is 17.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bread Financial Holdings Inc. (A1LL34)?
On an EBIT basis the return on assets of Bread Financial Holdings Inc. is 2.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bread Financial Holdings Inc. (A1LL34)?
The operating margin of Bread Financial Holdings Inc. is 34.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bread Financial Holdings Inc. (A1LL34)?
Revenue at Bread Financial Holdings Inc. is growing +6.1% versus a year earlier (3y avg +1.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bread Financial Holdings Inc. (A1LL34)?
Earnings per share at Bread Financial Holdings Inc. are growing +49.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bread Financial Holdings Inc. (A1LL34) generate?
The free cash flow of Bread Financial Holdings Inc. is $2.1B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bread Financial Holdings Inc. (A1LL34) carry?
The net debt of Bread Financial Holdings Inc. is $704M (fiscal year 2025, ≈ 0.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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