Bread Financial took a 13% hit over the last week, closing around $70.65. New analysis from Simply Wall St suggests it might be undervalued. Their excess returns model puts the intrinsic value at roughly $104, implying over 30% upside. The stock is trading at a P/E of 6.8x, while the industry average is around 9x. Their proprietary fair ratio suggests it should be trading closer to a 13x multiple based on earnings growth and margins.