BFH Relative Valuation - Bread Financial Holdings Inc

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Price: 82.64 USD 3.06% Market Closed

Market Cap: $3.6B

	Bread Financial Holdings Inc NYSE:BFH	US

Multiples-Based Value

The Multiples-Based Value of one BFH stock under the Base Case scenario is 362.45 USD. Compared to the current market price of 82.64 USD, Bread Financial Holdings Inc is Undervalued by 77%.

Multiples-Based Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

What is relative valuation?

How is Multiples-Based Value calculated?

BFH Multiples-Based Value

Undervaluation 77%

Multiples-Based Value

Price $82.64

Worst Case

Base Case

Best Case

Valuation Multiples

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Multiples Across Competitors

All Multiples

P/S

P/E

EV/EBITDA

EV/EBIT

Forward Multiples

			Market Cap	P/S	P/E	EV/EBITDA	EV/EBIT
US		Bread Financial Holdings Inc NYSE:BFH	3.6B USD	0.8	7	11.2	11.7
US		American Express Co NYSE:AXP	224.3B USD	2.9	21	24.9	28.2
US		Capital One Financial Corp NYSE:COF	124.9B USD	2.3	57.5	0	0
IN		Bajaj Finance Ltd NSE:BAJFINANCE	5.6T INR	7	30.8	25	25.7
US		Discover Financial Services NYSE:DFS	50.3B USD	2.3	9.1	0	0
US		Synchrony Financial NYSE:SYF	26.2B USD	1.4	7.6	0	0
US		SoFi Technologies Inc NASDAQ:SOFI	22.8B USD	6.3	47.3	0	0
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	1.9T INR	4	20.6	23.1	24
IN		Muthoot Finance Ltd NSE:MUTHOOTFIN	1.4T INR	5.2	16.3	21.5	21.8
KZ	K	Kaspi.kz AO NASDAQ:KSPI	15.6B USD	0	0	0	0
IN		Tata Capital Ltd NSE:TATACAP	1.3T INR	3.9	30.6	12.2	12.4

				Revenue Growth	P/S to Growth
US		Bread Financial Holdings Inc NYSE:BFH	Average P/S: 3.6 0.8	-1%	N/A
US		American Express Co NYSE:AXP	2.9	7%	0.4
US		Capital One Financial Corp NYSE:COF	2.3	10%	0.2
IN		Bajaj Finance Ltd NSE:BAJFINANCE	7	5%	1.4
US		Discover Financial Services NYSE:DFS	2.3	2%	1.1
US		Synchrony Financial NYSE:SYF	1.4	0%	N/A
US		SoFi Technologies Inc NASDAQ:SOFI	6.3	24%	0.3
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	4	-2%	N/A
IN		Muthoot Finance Ltd NSE:MUTHOOTFIN	5.2	2%	2.6
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Not Available	17%	N/A
IN		Tata Capital Ltd NSE:TATACAP	3.9	-4%	N/A

				Earnings Growth	PEG
US		Bread Financial Holdings Inc NYSE:BFH	Average P/E: 24.8 7	-1%	N/A
US		American Express Co NYSE:AXP	21	14%	1.5
US		Capital One Financial Corp NYSE:COF	57.5	101%	0.6
IN		Bajaj Finance Ltd NSE:BAJFINANCE	30.8	23%	1.3
US		Discover Financial Services NYSE:DFS	9.1	1%	9.1
US		Synchrony Financial NYSE:SYF	7.6	5%	1.5
US		SoFi Technologies Inc NASDAQ:SOFI	47.3	40%	1.2
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	20.6	12%	1.7
IN		Muthoot Finance Ltd NSE:MUTHOOTFIN	16.3	31%	0.5
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Not Available	13%	N/A
IN		Tata Capital Ltd NSE:TATACAP	30.6	35%	0.9

				EBITDA Growth	EV/EBITDA to Growth
US		Bread Financial Holdings Inc NYSE:BFH	Average EV/EBITDA: 19.6 11.2	-21%	N/A
US		American Express Co NYSE:AXP	24.9	N/A	N/A
US		Capital One Financial Corp NYSE:COF	Not Available	N/A	N/A
IN		Bajaj Finance Ltd NSE:BAJFINANCE	25	13%	1.9
US		Discover Financial Services NYSE:DFS	Not Available	N/A	N/A
US		Synchrony Financial NYSE:SYF	Not Available	N/A	N/A
US		SoFi Technologies Inc NASDAQ:SOFI	Not Available	N/A	N/A
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	23.1	7%	3.3
IN		Muthoot Finance Ltd NSE:MUTHOOTFIN	21.5	21%	1
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Not Available	N/A	N/A
IN		Tata Capital Ltd NSE:TATACAP	12.2	N/A	N/A

				EBIT Growth	EV/EBIT to Growth
US		Bread Financial Holdings Inc NYSE:BFH	Average EV/EBIT: 20.6 11.7	-1%	N/A
US		American Express Co NYSE:AXP	28.2	12%	2.3
US		Capital One Financial Corp NYSE:COF	Not Available	N/A	N/A
IN		Bajaj Finance Ltd NSE:BAJFINANCE	25.7	20%	1.3
US		Discover Financial Services NYSE:DFS	Not Available	N/A	N/A
US		Synchrony Financial NYSE:SYF	Not Available	N/A	N/A
US		SoFi Technologies Inc NASDAQ:SOFI	Not Available	N/A	N/A
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	24	17%	1.4
IN		Muthoot Finance Ltd NSE:MUTHOOTFIN	21.8	28%	0.8
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Not Available	N/A	N/A
IN		Tata Capital Ltd NSE:TATACAP	12.4	-14%	N/A

Bread Financial Holdings Inc
NYSE:BFH

Multiples-Based Value

Valuation Multiples

Multiples Across Competitors

BFH Competitors Multiples
Bread Financial Holdings Inc Competitors

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Bread Financial Holdings Inc NYSE:BFH

Multiples-Based Value

Valuation Multiples

Multiples Across Competitors

BFH Competitors Multiples Bread Financial Holdings Inc Competitors

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Bread Financial Holdings Inc
NYSE:BFH

BFH Competitors Multiples
Bread Financial Holdings Inc Competitors