Bread Financial Holdings (Bread Financial Holdings) GF Value

: $47.94 (As of Today)

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The GF Value represents the current intrinsic value of a stock derived from our exclusive method. The GF Value Line on our summary page gives an overview of the fair value that the stock should be traded at. It is calculated based on three factors:

Historical multiples (PE Ratio, PS Ratio, PB Ratio and Price-to-Free-Cash-Flow) that the stock has traded at.
GuruFocus adjustment factor based on the company’s past returns and growth.
Future estimates of the business performance.

We believe the GF Value Line is the fair value that the stock should be traded at. The stock price will most likely fluctuate around the GF Value Line. If the stock price is significantly above the GF Value Line, it is overvalued and its future return is likely to be poor. On the other hand, if it is significantly below the GF Value Line, its future return will likely be higher.

Please note, "Possible Value Trap, Think Twice" is for the companies that look very undervalued, but either in the long term trend of business decline, or in financial distress.

As of today (2024-04-20), Bread Financial Holdings's share price is $34.48. Bread Financial Holdings's GF Value is $47.94. Therefore, Bread Financial Holdings's Price-to-GF-Value for today is 0.72.

Based on the relationship between the current stock price and the GF Value, GuruFocus believes Bread Financial Holdings is Modestly Undervalued.

Bread Financial Holdings (NYSE:BFH) GF Value Explanation

Based on the relationship between the current stock price and the GF Value, GuruFocus provides the following 6 evaluations:

Posssible Evaluations	All-in-One Screener Examples (2)
Possible Value Trap, Think Twice (1)	Predictable Companies that possibly be Value Traps
Significantly Overvalued	Predictable Companies which are Significantly Overvalued
Modestly Overvalued	Predictable Companies which are Modestly Overvalued
Fairly Valued	Predictable High Quality Companies which are Fairly Valued
Modestly Undervalued (3)	Predictable High Quality Companies which are Modestly Undervalued
Significantly Undervalued (3)	Predictable High Quality Companies which are Significantly Undervalued

(1) "Possible Value Trap, Think Twice" is for the companies that look very undervalued, but either in the long term trend of business decline, or in financial distress.

(2) These are some simple examples. You can access our GF Valuation filter under All-in-One Screener’s Fundamental tab, and Price-to-GF-Value filter under Valuation Ratio tab and set your own criteria.

(3) There is only a sufficient margin of safety when the stock is undervalued.

Bread Financial Holdings's Price-to-GF-Value for today is calculated as

Price-to-GF-Value	=	Share Price	/	GF Value
	=	34.48	/	47.94
	=	0.72

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bread Financial Holdings GF Value Related Terms

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Bread Financial Holdings (Bread Financial Holdings) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Bread Financial Holdings Inc (NYSE:BFH) » Definitions » GF Value

Comparable Companies

Traded in Other Exchanges

A1LL34:Brazil

Address

3075 Loyalty Circle, Columbus, OH, USA, 43219

Website

https://www.breadfinancial.com

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 minority interest in its recently spun-off LoyaltyOne division, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.

Executives

Turtle Creek Asset Management Inc.	10 percent owner	SCOTIA PLAZA, 40 KING STREET WEST, SUITE 5100, TORONTO A6 M5H 3Y2
Roger H Ballou	director	C/O CDI CORP, 1717 ARCH ST 35TH FL, PHILADELPHIA PA 19103
Clair Joyce St	director	50 S LA SALLE ST, CHICAGO IL 60603
Valerie E Greer	officer: EVP, Chief Comm'l Off'r, Card	7500 DALLAS PARKWAY, SUITE 700, PLANO TX 75024
Perry S Beberman	officer: EVP, Chief Financial Officer	7500 DALLAS PARKWAY, SUITE 700, PLANO TX 75024
Ralph J Andretta	director, officer: President and CEO	7500 DALLAS PARKWAY, SUITE 700, PLANO TX 75024
Timothy J Theriault	director	50 LA SALLE STREET, CHICAGO IL 60675
John C Gerspach	director	C/O CORPORATE LAW DEP'T, CITIGOUP INC., 388 GREENWICH STREET, 17TH FLOOR, NEW YORK NY 10013
Jonathan Bryan Campbell	officer: SVP, Chief Acctg. Officer	7500 DALLAS PARKWAY, SUITE 700, PLANO TX 75024
Laurie Anne Tucker	director	65 MARYS CREEK COVE NORTH, EADS TN 38028
Rajesh Natarajan	director	7500 DALLAS PARKWAY, SUITE 700, PLANO TX 75024
Sharen J Turney	director	THREE LIMITED PARKWAY, COLUMBUS OH 43230
Karin Kimbrough	director	C/O FANNIE MAE, 1100 15TH STREET NW, WASHINGTON DC 20005
Charles L Horn	officer: EVP & Senior Advisor	BUILDERS FIRSTSOURCE INC., 2001 BRYAN STREET, SUITE 1600, DALLAS TX 75201
Laura Santillan	officer: SVP, Chief Acctg. Officer	17655 WATERVIEW PARKWAY, DALLAS TX 75252