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Bread Financial Valuation Multiples
Discover revenue and EBITDA valuation multiples for Bread Financial and similar public comparables like NCR Atleos, Paymentus, CCC Intelligent Solutions, LIC Housing Finance and more.
Bread Financial Overview
About Bread Financial
Formed by a combination of JCPenney’s credit card processing unit and The Limited’s credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company’s most financially significant unit is its credit card business that partners with retailers to jointly market Bread’s credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.
Founded
1995
HQ
Employees
6.0K
Website
Sectors
Financials (LTM)
EV
$8B
Bread Financial Financials
Bread Financial reported last 12-month revenue of $4B.
In the same LTM period, Bread Financial generated $501M in net income.
Revenue (LTM)
Bread Financial P&L
In the most recent fiscal year, Bread Financial reported revenue of $4B and net income of $521M.
Bread Financial expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $4B | XXX | $4B | XXX | XXX | XXX |
| EBIT Margin | 49% | XXX | 49% | XXX | XXX | XXX |
| Net Profit | $501M | XXX | $521M | XXX | XXX | XXX |
| Net Margin | 13% | XXX | 14% | XXX | XXX | XXX |
| Net Debt | — | — | $704M | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
Bread Financial Stock Performance
Bread Financial has current market cap of $3B, and enterprise value of $8B.
Market Cap Evolution
Bread Financial's stock price is $80.19.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $8B | $3B | 1.5% | XXX | XXX | XXX | $12.58 |
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Start Free TrialBread Financial Valuation Multiples
Bread Financial trades at 2.0x EV/Revenue multiple.
EV / Revenue (LTM)
Bread Financial Financial Valuation Multiples
As of April 14, 2026, Bread Financial has market cap of $3B and EV of $8B.
Equity research analysts estimate Bread Financial's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Bread Financial has a P/E ratio of 6.6x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $3B | XXX | $3B | XXX | XXX | XXX |
| EV (current) | $8B | XXX | $8B | XXX | XXX | XXX |
| EV/Revenue | 2.0x | XXX | 2.0x | XXX | XXX | XXX |
| EV/EBIT | 4.0x | XXX | 4.1x | XXX | XXX | XXX |
| P/E | 6.6x | XXX | 6.4x | XXX | XXX | XXX |
| EV/FCF | — | XXX | 3.7x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified Bread Financial Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
Bread Financial Margins & Growth Rates
Bread Financial's revenue in the last 12 month grew by 3%.
Bread Financial's revenue per employee in the last FY averaged $0.6M, while opex per employee averaged $0.3M for the same period.
Bread Financial Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 3% | XXX | 3% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.6M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.3M | XXX | XXX | XXX |
| S&M Expenses to Revenue | 4% | XXX | 4% | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 23% | XXX | XXX | XXX |
| Opex to Revenue | 51% | XXX | 51% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Bread Financial Public Comps
See public comps and valuation multiples for other Financial Services Software and Embedded Finance comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| Bread Financial | XXX | XXX | XXX | XXX | XXX | XXX |
| NCR Atleos | XXX | XXX | XXX | XXX | XXX | XXX |
| Paymentus | XXX | XXX | XXX | XXX | XXX | XXX |
| CCC Intelligent Solutions | XXX | XXX | XXX | XXX | XXX | XXX |
| LIC Housing Finance | XXX | XXX | XXX | XXX | XXX | XXX |
| StoneCo | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Bread Financial M&A Activity
Bread Financial acquired XXX companies to date.
Last acquisition by Bread Financial was on XXXXXXXX, XXXXX. Bread Financial acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by Bread Financial
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialBread Financial Investment Activity
Bread Financial invested in XXX companies to date.
Bread Financial made its latest investment on XXXXXXXX, XXXXX. Bread Financial invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by Bread Financial
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout Bread Financial
| When was Bread Financial founded? | Bread Financial was founded in 1995. |
| Where is Bread Financial headquartered? | Bread Financial is headquartered in United States. |
| How many employees does Bread Financial have? | As of today, Bread Financial has over 6K employees. |
| Who is the CEO of Bread Financial? | Bread Financial's CEO is Ralph J. Andretta. |
| Is Bread Financial publicly listed? | Yes, Bread Financial is a public company listed on NYSE. |
| What is the stock symbol of Bread Financial? | Bread Financial trades under BFH ticker. |
| When did Bread Financial go public? | Bread Financial went public in 2001. |
| Who are competitors of Bread Financial? | Bread Financial main competitors are NCR Atleos, Paymentus, CCC Intelligent Solutions, LIC Housing Finance. |
| What is the current market cap of Bread Financial? | Bread Financial's current market cap is $3B. |
| What is the current revenue of Bread Financial? | Bread Financial's last 12 months revenue is $4B. |
| What is the current revenue growth of Bread Financial? | Bread Financial revenue growth (NTM/LTM) is 3%. |
| What is the current EV/Revenue multiple of Bread Financial? | Current revenue multiple of Bread Financial is 2.0x. |
| Is Bread Financial profitable? | Yes, Bread Financial is net-income-positive (as of the last 12 months). |
| What is the current net income of Bread Financial? | Bread Financial's last 12 months net income is $501M. |
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