Bread Financial
79
Quality Score
Strong
✍️ Bumetric analysis
“
Bread Financial is an iOS app from Bread Financial Holdings, Inc. in the Finance category, currently rated 4.8★ across 130,617 ratings. Initial signal reads as mixed reviews: supporters praise core features while critics cite stability and value gaps.
Quality Score is 79: Strong (healthy traction). For a Finance app, that means healthy traction. The full BU Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.
Track changes month-over-month in the Performance section below: live snapshot history and revenue forecast included.
💰 Monthly revenue · now vs forecast
● Right now
$5.0K
per month
→
12-mo forecast
$5.2K – $10.8K
per month
→
24-mo forecast
$6.4K – $19.2K
per month
MID tier
💡 Grow this revenue
Free AI audit of this app’s store listing
- Title & subtitle keyword fit
- Description hook & conversion structure
- Screenshots, ratings, reviews strategy
Typical impact: +2-5× organic installs
📊 Performance Tracking LIVE
264 snapshots on record
Rating
4.8
Reviews
130,617 reviews
Forecast Revenue / mo
$5.0K
Snapshots tracked
264
since Mar 2025
ONE-TIME · BUILD
💰 Estimated build cost
$135K
↳ What it cost to build · not monthly revenue
Likely range $100K – $180K
$25K · MVP floor
$100K · indie scale
$500K+ · studio build
📈
Pays back in ~2.2y at current MRR
Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.
Where the money goes
| 🧱 MVP baseline (design + 1-store ship) | +$28K |
| 📱 5 unique screens × $4.5K | +$22K |
| 📦 Asset bundle (101 MB) | +$20K |
| ⚙ Finance complexity ×1.60 | +$42K |
| ⚙ 3.2y maintenance × ~1-person team | +$19K |
Total estimate
$135K
ONE-TIME · EXIT VALUE
💵 Estimated acquisition value
$125K
↳ What it would sell for · not monthly revenue
Marketplace range $100K – $150K · 24× MRR multiple
💸
~0.9× build cost (under-water)
Synthetic estimate. Multiple band derived from ad-supported + age, rating quality, category demand, and user-base maturity. Calibrated against 2024-2026 indie-app-marketplace closed-deal medians. Full math + comparable deal list on /methodology.
How the multiple was built
| 📺 Ad-supported base | 15× MRR |
| 📅 3.2y proven track record | +16% |
| ⭐ ★ rating ≥ 4.7 (premium) | +15% |
| 🏷 Finance category multiple | +15% |
| ⭐ Mature user base (100K+ ratings) | +5% |
Final multiple
24× MRR
👥 Estimated audience size
6.5M
Lifetime downloads (US-equivalent)
Monthly active
1.6M
Daily active
660K
Synthetic estimate from ratings × category benchmarks. Calibrated against 2024-2026 mobile-attribution retention + DAU/MAU reports. Numbers are US-storefront-equivalent — true global audience can be 5-10× larger for international apps. Full math + source list on /methodology.
How we sized it
| 📲 Finance engagement | ~60 installs / rating |
| 📅 3.2y of rating accumulation | -16% |
| 🔁 Finance D30 retention | 28% |
| 📍 DAU / MAU stickiness | 0.40 |
DAU / MAU
40% sticky
🛠 Estimated tech stack
🍎
Native iOS (SwiftUI)
Medium confidence · 60%
Also possible
React Native
Flutter
Heuristic guess from app bundle size, category, store description signals, and release-date stack era. Bumetric does not disassemble binaries — for binary-level certainty you would need an SDK intelligence tool or the manifest itself. Reasoning chain on the right. Full ruleset on /methodology.
Signals we read
| 📦 App bundle size | 101 MB |
| 🏷 Category context | Finance |
| 📦 Mid-large iOS bundle | → Likely native SwiftUI (post-2020 era) |
💀 Maintenance status
Active
5%
Last shipped 2026-09-08 · 15 days ago
0 · Active
50 · At risk
100 · Abandoned
Heuristic risk score from time-since-last-update + ratings velocity proxy + Editor's Choice / curated featuring signals. Calibrated against 2024-2025 app-store ranking decay reports. Not a guarantee — a quiet app with a healthy codebase looks the same as an abandoned one until something breaks. Full math on /methodology.
Risk signals
| 📅 15 days since last update | Active development |
Verdict
Active
🔬
How we forecast this revenue
MEDIUM CONFIDENCEBaseline
$5.0K/mo · ML-estimated from 234 triggers
Growth rate
+4.0% MoM · MID tier baseline (compound monthly)
6 months
$4.7K – $7.9K
12 months
$5.2K – $10.8K
24 months
$6.4K – $19.2K
Compound growth at +4.0% MoM (tier baseline for MID). Range widens with horizon — typical noise band ±25% at 6mo.. Ranges widen with horizon — distant futures carry more uncertainty.
📊
BU Investment Matrix
Below median · 46/100MID TIERunderperforming peersGrowth Velocity
5.0
Founder Strength
3.2
Product Quality
9.7
Revenue Strength
3.7
Monetization Maturity
1.0
Defensibility
4.3
Market Position
0.3
Operational Safety
10.0
- 💰 Revenue: Modest — $3K - $7K/mo · MID tier · medium confidence, trajectory unclear.
- ⭐ Quality: 4.83★ across 130,617 reviews — exceptional (top 1% in category).
- 📍 Market: Not yet charting in any of the 9 monitored markets.
- 📈 Growth: dev shipping weekly.
- ⚠️ Risk: Low — no material risk signals detected.
🎯 For competitors: Mixed picture. Worth competing if you have a clear UX or pricing edge — otherwise crowded segment.
💵 For acquirers: Estimated asking range 18-32× monthly = $90K-$160K.
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:
💰 Forecast Revenue / mo
MODELRevenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.
🔬Forecast Breakdown — Why This Estimate?Top 10 of 10 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
| High install base (130,617 ratings)METRIC | +$12,000 | |
| Excellent rating (4.8★)METRIC | +$2,200 | |
| bugsREVIEW | −$1,800 | |
| 5 starREVIEW | +$1,800 | |
| cancelledREVIEW | −$1,500 | |
| excellent appREVIEW | +$1,500 | |
| slowREVIEW | −$1,200 | |
| Established app (3y old)METRIC | +$800 | |
| Ad-supported / freemiumMETRIC | +$600 | |
| Single-language (English only)METRIC | −$400 |
METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)
📈 Reviews Growth
LIVECumulative review count from first BU snapshot. Each point = a tracked update.
⭐ Rating Trend
LIVEAverage rating evolution. Updates with each new review batch.
🆕 What's New · v5.9.1
Minor bug fixes and performance enhancements.
Profile & Insights
Everything we know — and don't — about this app and its company.
Identification
- App name
- Bread Financial
- Developer
- Bread Financial Holdings, Inc.
- Bundle ID
- com.lonoperationsllc.breadmobile
- App Store URL
- Open in App Store
- Category
- Finance
- Content rating
- 4+
- Languages
- EN
Company
- Website
- Not found
- Tagline
- Today
- Description
- Find apps and games for iPhone, iPad, Mac, and more on the App Store.
- Founded
- Not found
- HQ / Address
- Not found
- Employees
- Not found
- Logo
- Available
Revenue
- Reported revenue signal / mo
- Not found
- AI revenue estimate / mo
- Not found
- AI annual estimate
- Not found
- Model estimate / mo
- $5.0K/mo
- Top-grossing rank
- Outside top 100 in US Finance
- All-time revenue
- Not found
- Pricing
- Not found
Founder
Founder data not yet collected for this app.
Funding
Funding data not yet collected for this app.
Press & Links
Press & Links data not yet collected for this app.
Contacts & Socials
Contacts & Socials data not yet collected for this app.
📈Ratings growth166,981 ratings+37256% lifetimeShow 3-year history estimate ▾
Tracked (60 weeks) Pre-tracking estimate (0 weeks) · model-based, ±5% noise · anchored to release date and current value
🌍Geographic ReachNot ranked
This app is currently outside the top 100 grossing in all 9 countries we monitor (US, UK, DE, FR, JP, CA, AU, BR, IN). Niche or new apps often launch this way — popularity rankings appear once daily revenue clears the regional threshold.
🚀Update Frequency · Releases per Quarter5 releases tracked
🚀Version Release Timeline5 releases tracked
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.
📝 About this app
Experience the Bread Financial® app that’s designed with you in mind! Comenity Bank and Comenity Capital Bank are Bread Financial companies. And now you can manage your Comenity® credit cards, anytime and anywhere, with the credit card app featuring some of today’s most recognized brands.
Download the app to securely manage one or multiple accounts more easily! To access your account, sign in with the same username and password you use for Account Center online. If you haven’t registered for online access, you can do that — and more — in the app.
Discover convenient account management:… View full description on the official store →
Download the app to securely manage one or multiple accounts more easily! To access your account, sign in with the same username and password you use for Account Center online. If you haven’t registered for online access, you can do that — and more — in the app.
Discover convenient account management:… View full description on the official store →
App Specs
🔐 Own this app? Claim & verify MRR →💾 101 MB🔞 4+📱 iOS 16.6+🔖 v5.9.1🔄 updated 2w ago🌐 EN📂 Finance💰 Free🚀 Launched 2023 (3y old)
📅
What Worked™ · Development Pipeline
17 EVENTS TRACKEDDetected changes in this app over its tracked lifetime — each event links cause (what changed) to effect (what moved). Sorted newest first.See full history →Version history →
2026-09
🔧
Shipped update — v5.8.1 → v5.9.1
→ 30 days after: reviews +7,938 high confidence
2026-08
🔧
Shipped update — v5.7.1 → v5.8.1
→ 30 days after: reviews +18,455 high confidence
2026-07
🔧
Shipped update — v5.5.2 → v5.7.1
→ 30 days after: reviews +20,205 high confidence
2026-05
🔧
Shipped update — v5.4.4 → v5.5.2
→ 30 days after: reviews +11,498 high confidence
2026-04
🔧
Shipped update — v? → v5.4.4
→ 30 days after: reviews +9,388 high confidence
2026-04
⭐
Rating ↑ 2.32 → 4.83 (improved 2.51★)
→ 30 days after: reviews +9,388 high confidence
2026-04
📈
Crossed 1,000 ratings — social-proof flywheel kicking in
→ 30 days after: reviews +9,388 high confidence
2026-03
📈
Crossed 500 ratings — social-proof flywheel kicking in
→ 30 days after: rating +2.54★ · reviews +117,479 high confidence
2025-04
⭐
Rating ↓ 2.29 → 1.83 (dropped 0.46★)
→ 30 days after: rating +0.28★ · reviews +72 high confidence
2025-04
📈
Crossed 10 ratings — social-proof flywheel kicking in
→ 30 days after: rating +0.28★ · reviews +72 high confidence
2025-04
📈
Crossed 100 ratings — social-proof flywheel kicking in
→ 30 days after: rating −0.18★ · reviews +178 high confidence
2025-04
📈
Crossed 50 ratings — social-proof flywheel kicking in
→ 30 days after: rating −0.46★ · reviews +106 low · multiple changes
2025-04
📈
Crossed 10 ratings — social-proof flywheel kicking in
→ 30 days after: rating −0.46★ · reviews +106 low · multiple changes
2025-03
🚀
First tracked snapshot — initial data captured
→ 30 days after: rating −0.46★ · reviews +106 low · multiple changes
2025-03
⭐
Rating ↓ 3.00 → 2.60 (dropped 0.40★)
→ 30 days after: rating −0.46★ · reviews +106 low · multiple changes
2025-03
⭐
Rating ↑ 1.00 → 2.33 (improved 1.33★)
→ 30 days after: rating −0.46★ · reviews +106 low · multiple changes
2025-03
🚀
First tracked snapshot — initial data captured
→ 30 days after: rating −0.46★ · reviews +106 low · multiple changes
🔔
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📝 Description
95
BU Score · Transcendent
Full revenue analysis
Read the article-style breakdown for Bread Financial: category rank, percentile, growth signal, comparable apps, and how the forecast is calibrated against verified-MRR anchors in this niche.
More by Bread Financial Holdings, Inc.
View all →📦 Portfolio summaryINDIE studio
2apps·$5K/mocombined
⚠ Concentrated — top app contributes 91% of combined revenue (single-app dependency)
About this analysis
Why high confidence: 130,617 ratings · no founder-verified revenue (model estimate only).
❓ Frequently Asked Questions
10 answers · auto-generated from this app's public dataHow much does Bread Financial make per month?▴
Based on our ML-calibrated revenue forecast, Bread Financial earns approximately $5.0K/mo. This is a US-storefront-equivalent estimate; global revenue can be several times larger for internationally-distributed apps. See the methodology page for the full formula and confidence bands.
Is Bread Financial profitable?▴
With estimated build cost $135K and monthly revenue $5.0K, Bread Financial looks break-even-grade — payback period sits around 2.2 years. Profitability also depends on paid-acquisition spend and refund rate which the public model doesn't see.
How many users does Bread Financial have?▴
Estimated audience: ~6.5M lifetime downloads, ~1.6M monthly active users, and ~660K daily active users. Derived from ratings count × category installs-per-rating × age decay. US-storefront-equivalent — global audience can be 5-10× larger for internationally-distributed apps.
What apps are like Bread Financial?▴
Browse the full Finance category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
What is Bread Financial built with?▴
Our heuristic places Bread Financial on the Native iOS (SwiftUI) stack (Medium confidence, 60%). Signals: app bundle size, category context, store-description markers, release-date era. We don't disassemble binaries. Alternative possibilities: React Native, Flutter.
Is Bread Financial still actively maintained?▴
Maintenance status: Active (5% abandonment risk). Last shipped version was 15 days ago. The risk score combines time-since-last-update with Editor's Choice / curated featuring + user-base maturity adjustments.
How much would Bread Financial sell for?▴
Estimated acquisition value: $125K (marketplace range $100K – $150K). Calculated as 24× monthly revenue using the standard multiple for the detected monetization model + adjustments for age, rating quality and category demand. Calibrated against 2024-2026 Flippa / Acquire.com / MicroAcquire closed-deal medians.
When was Bread Financial last updated?▴
Bread Financial last shipped a new version on 2026-09-08 — less than a month ago. This is the date Apple / Google last accepted a new build, not a content-only push.
Who makes Bread Financial?▴
Bread Financial is published by Bread Financial Holdings, Inc. on the Apple App Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.
What is Bread Financial's BU Score?▴
Bread Financial has a BU Score of 79/100 (Strong). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.