Three independent discounted-cash-flow-style models value Bread Financial Holdings, Inc. every trading day. 0 of 3 currently price BFH above its market price.
| Free Cash Flow model | $-127.38 |
| Excess Profit model | $10.70 |
| Residual Earnings model | $61.17 |
| Dividend Discount model | $12.09 |
| Piotroski F-Score | 7 / 9 |
| Return on invested capital | +6.4% |
| Net debt / EBITDA | 7.0× |
| Gross margin | +100.0% |
| Revenue CAGR | +0.2% |
| Cash conversion | 4.0× |
| Dividend yield | +0.9% |
| Buyback yield | +6.0% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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