BREAD FINANCIAL HOLDINGS, INC. (BFH) has a MarketKingdoms composite score of 71.4 (B+), an B-range rating. It ranks 216th of 1,866 covered companies, 28th of 330 in Financial (sector average 62.7) and 5th of 29 in Credit Services. Scores as of 2026-10-26.
Its strongest lenses are Price (valuation) at 84 (Financial average 52) and Stock selection at 82 (Financial average 77). Its weakest lenses are Expansion (growth) at 39 (sector average 51) and Quality (profitability) at 53 (sector average 49).
| Lens | Type | BFH | Financial average | Credit Services average | Percentile in sector |
|---|---|---|---|---|---|
| Industry opportunity | Research signal | 71 | 76 | 72 | 29th |
| Stock selection | Research signal | 82 | 77 | 74 | 75th |
| KPI momentum | Research signal | 75 | 75 | 70 | 43rd |
| Catalyst watch | Research signal | 77 | 69 | 68 | 84th |
| Price (valuation) | Fundamental lens | 84 | 52 | 64 | 93rd |
| Expansion (growth) | Fundamental lens | 39 | 51 | 50 | 27th |
| Quality (profitability) | Fundamental lens | 53 | 49 | 58 | 56th |
| Trend (momentum) | Fundamental lens | 76 | 49 | 36 | 87th |
The most recent call analysed was held on 2026-10-22 (fiscal 2026 Q3). After it the composite moved from 72.1 to 71.3. MarketKingdoms checks what management promised on each call against what it later delivered.
The composite at the time of each event; today's composite is 71.4.
The stock's valuation gap is -10.5%: its price is below the path its market, sector and industry moves explain (undervalued versus the model path). Factor sensitivity: market beta 1.39, sector beta 0.33, industry beta 0.95; the factor model explains 52% of its moves (R²).
| Company | Composite | Grade | Valuation gap |
|---|---|---|---|
| ENCORE CAPITAL GROUP INC (ECPG) | 76.7 | A- | -0.8% |
| Atlanticus Holdings Corp (ATLC) | 74.5 | B+ | -16.6% |
| Sezzle Inc. (SEZL) | 73.5 | B+ | +22.3% |
| FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) | 72.0 | B+ | -13.6% |
| Enova International, Inc. (ENVA) | 70.6 | B+ | -23.1% |
| Jefferson Capital, Inc. / DE (JCAP) | 69.6 | B | -0.3% |
| Mastercard Inc (MA) | 67.9 | B | +0.9% |
| Affirm Holdings, Inc. (AFRM) | 65.4 | B | -8.9% |
BREAD FINANCIAL HOLDINGS, INC. financial statements · Financial sector ranking · Credit Services industry ranking · All covered companies
The composite score (0–100, graded A+ to D-) blends research signals from each earnings call with fundamental lenses from SEC filings and market prices. Research signals: Industry opportunity, Stock selection, KPI momentum and Catalyst watch, read from what management said and whether it delivered. Fundamental lenses: Price (valuation), Expansion (growth), Quality (profitability) and Trend (momentum). Scores are recalculated every night and after every earnings call. The valuation gap compares the actual price path with the path the stock's market, sector and industry moves explain; it is a model comparison, not a fair-value estimate.
General information, not investment advice.