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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.
1995
6K+
LTM Revenue $3.9B
LTM EBITDA n/a
$7.8B
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
Bread Financial has a last 12-month revenue of $3.9B and a last 12-month EBITDA of n/a.
In the most recent fiscal year, Bread Financial achieved revenue of $3.8B and an EBITDA of n/a.
Bread Financial expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Bread Financial valuation multiples based on analyst estimates| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $4.3B | $3.8B | XXX | XXX | XXX |
| Gross Profit | n/a | n/a | XXX | XXX | XXX |
| Gross Margin | NaN% | NaN% | XXX | XXX | XXX |
| EBITDA | n/a | n/a | XXX | XXX | XXX |
| EBITDA Margin | NaN% | NaN% | XXX | XXX | XXX |
| Net Profit | $223M | $718M | XXX | XXX | XXX |
| Net Margin | 5% | 19% | XXX | XXX | XXX |
| Net Debt | $4.1B | $1.7B | XXX | XXX | XXX |
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As of April 15, 2025, Bread Financial's stock price is $45.
Bread Financial has current market cap of $2.2B, and EV of $7.8B.
See Bread Financial trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $7.8B | $2.2B | XXX | XXX | XXX | XXX | $7.35 |
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Sign UpAs of April 15, 2025, Bread Financial has market cap of $2.2B and EV of $7.8B.
Bread Financial's trades at 2.0x LTM EV/Revenue multiple, and n/a LTM EBITDA.
Analysts estimate Bread Financial's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for Bread Financial and 10K+ public comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $7.8B | XXX | XXX | XXX |
| EV/Revenue | 2.0x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | XXX | XXX |
| P/E | 7.8x | XXX | XXX | XXX |
| P/E/Growth | 0.3x | XXX | XXX | XXX |
| EV/FCF | 4.2x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Sign UpBread Financial's NTM/LTM revenue growth is 3%
Bread Financial's revenue per employee for the last fiscal year averaged $0.6M, while opex per employee averaged n/a for the same period.
Over next 12 months, Bread Financial's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate Bread Financial's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for Bread Financial and other 10K+ public comps| FY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|---|
| Revenue Growth | -11% | XXX | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | XXX | XXX | XXX |
| Rule of 40 (SaaS-only) | n/a | XXX | XXX | XXX | XXX |
| Revenue per Employee | $0.6M | XXX | XXX | XXX | XXX |
| Opex per Employee | n/a | XXX | XXX | XXX | XXX |
| S&M Expenses to Revenue | 4% | XXX | XXX | XXX | XXX |
| G&A Expenses to Revenue | 23% | XXX | XXX | XXX | XXX |
| R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| Opex to Revenue | n/a | XXX | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Allfunds Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Bravura Solutions | XXX | XXX | XXX | XXX | XXX | XXX |
| Change Financial | XXX | XXX | XXX | XXX | XXX | XXX |
| Computershare | XXX | XXX | XXX | XXX | XXX | XXX |
| FINEOS | 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 acquired XXX companies to date.
Last acquisition by Bread Financial was XXXXXXXX, XXXXX XXXXX XXXXXX . Bread Financial acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Sign Up| When was Bread Financial founded? | Bread Financial was founded in 1995. |
| Where is Bread Financial headquartered? | Bread Financial is headquartered in United States of America. |
| How many employees does Bread Financial have? | As of today, Bread Financial has 6K+ employees. |
| Who is the CEO of Bread Financial? | Bread Financial's CEO is Mr. Ralph J. Andretta. |
| Is Bread Financial publicy listed? | Yes, Bread Financial is a public company listed on NYS. |
| 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? | Similar companies to Bread Financial include e.g. Allfunds Group, Bravura Solutions, Change Financial, Computershare. |
| What is the current market cap of Bread Financial? | Bread Financial's current market cap is $2.2B |
| What is the current revenue of Bread Financial? | Bread Financial's last 12-month revenue is $3.9B. |
| What is the current EV/Revenue multiple of Bread Financial? | Current revenue multiple of Bread Financial is 2.0x. |
| What is the current revenue growth of Bread Financial? | Bread Financial revenue growth between 2023 and 2024 was -11%. |
| Is Bread Financial profitable? | Yes, Bread Financial is EBITDA-positive (as of the last 12 months). |
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