Bread Financial Holdings Inc. (BFH)$86.60
Market Cap: 2.27 BCurrency: USD
Research Snapshot
Static fundamentals, valuation context, and investor signals for Bread Financial Holdings Inc. (BFH).
FINANCIAL
CREDIT SERVICES
DCF ready
Valuation
1.4x
EV/FCF, 70.3% FCF yield
Quality
6.8%
ROIC, N/A FCF margin
Growth
N/A
5Y sales (revenue) CAGR
Balance sheet
1.3x
Debt/equity, N/A current ratio
Superinvestors
3
Top: Bill Miller (3.8%)
Strengths to research
- 3 tracked superinvestors report a position.
- 10 annual periods are available for trend analysis.
Watchouts
No major valuation, balance sheet, or growth watchouts were detected by the static screen.
Annual data: 10 periods
Quarterly data: 24 periods
Stock snapshot: May 25, 2026
Static dataset: May 25, 2026
Quality Scorecard
Build-time composite score for BFH.
Grade F
21
/ 100
Peer Comparison
Target stock against 8 market-cap comparable peers.
Heat map: red worst to green best
| BFH Target | Bread Financial Holdings Inc. | $2.3B | 8.0x | 1.4x | 6.8% | N/A | N/A | N/A | N/A | N/A |
| NAVI | Navient Corp. | $1.3B | -10.4x | 93.6x | -0.2% | N/A | N/A | N/A | N/A | N/A |
| OMF | OneMain Holdings | $5.8B | 8.2x | 8.8x | 3.0% | N/A | N/A | N/A | N/A | N/A |
| CACC | Credit Acceptance Corp. | $5.8B | 15.0x | 5.5x | 0.0% | 6.8% | 45.4% | N/A | N/A | N/A |
| ECPG | Encore Capital Group Inc. | $832.4M | 7.4x | 5.3x | 26.3% | -5.1% | 143.6% | N/A | -0.2x | N/A |
| PRAA | PRA Group Inc. | $761.4M | -1.9x | -7.3x | -31.1% | 161.9% | -7.5% | N/A | N/A | N/A |
| ALLY | Ally Financial Inc. | $10.1B | 17.9x | 4.6x | 2.6% | 10.6% | 299.8% | N/A | N/A | N/A |
| SOFI | SoFi Technologies Inc. | $14.2B | 40.1x | -2.3x | 4.6% | 43.1% | -643.4% | N/A | N/A | N/A |
| RWAY | Runway Growth Finance Corp | $338.4M | 6.8x | 4.1x | 3.7% | N/A | N/A | N/A | N/A | N/A |
Financial Charts
No financial data available for BFH (annual).
3 superinvestors own BFH
Current quarter ownership and quarter-over-quarter share changes.
Superinvestor ownership
| Fund | Shares | Value | % Portfolio | QoQ Change |
|---|---|---|---|---|
| Richard Pzena Hancock Classic Value | 613,673 | $46M | 0.15% | ▼ -4.1% |
| Bill Miller Miller Value Partners | 193,697 | $15M | 3.79% | 0.0% |
| Tweedy Browne Co. Tweedy Browne Value Fund | 31,262 | $2M | 0.19% | 0.0% |