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Friday 6 November 2026 Export BFH’s income statement to Excel — free account

Bread Financial Holdings, Inc.

BFH Financial Credit Services

Bread Financial Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.7 billion, down 1.90% from fiscal 2024.

Revenue
+2.96%
EPS
−1.26%
Free cash flow
+0.17%
Total debt
−17.2%

Quarter to September 2026, against a year earlier

103.14 1.69 −1.61%
Market cap
$3.9B
P/E
8.0×
Fwd P/E
8.0×
Dividend yield
0.89%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Bread Financial Holdings, Inc. (BFH) P/B ratio

Alert me on P/B ratio

As of 5 November 2026, Bread Financial Holdings, Inc. (BFH) trades at a P/B ratio of 1.1×. Over the past ten years it has ranged from 0.4× (May 2023) to 8.8× (April 2017); the current reading is higher than 35% of that period. That is below the Credit Services industry median of 1.2× and below the Financial sector median of 1.3×.

P/B ratio, daily

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Annual newest first

Period P/B ratio Change
FY2025 1.0× 4.91%
FY2024 1.0× 76.32%
FY2023 0.6× (32.65%)
FY2022 0.8× (47.30%)
FY2021 1.6× (15.35%)
FY2020 1.9× (34.12%)
FY2019 2.8× (0.03%)
FY2018 2.8× (53.91%)
FY2017 6.2× (6.91%)
FY2016 6.6× (2.47%)

Quarterly newest first

Period P/B ratio Change
Sep 2026 1.1× (15.21%)
Jun 2026 1.3× 33.27%
Mar 2026 1.0× (7.43%)
Dec 2025 1.0× 33.21%
43 more quarters

Against its own ten years

Low 0.4× High 8.8×
Ten-year median 1.9×
Current reading's percentile 38

P/B ratio against peers

Company P/B ratio
BFH Bread Financial Holdings, Inc. 1.1×
NNI Nelnet, Inc. compare 1.3×
SLM SLM Corporation compare 1.6×
AGM Federal Agricultural Mortgage Corporation compare 1.7×
OMF OneMain Holdings, Inc. compare 1.9×
UPST Upstart Holdings, Inc. compare 2.7×
ENVA Enova International, Inc. compare 2.8×
CACC Credit Acceptance Corporation compare 3.9×
SEZL Sezzle Inc. compare 18.6×
Credit Services industry median 1.2×
Financial sector median 1.3×
Market median 1.7×

What P/B ratio is

Price to Book Value tells an investor how much the market pays for a company’s shares relative to the accounting net worth that belongs to common shareholders.

Stock Price ÷ (Common Equity (Total) (latest quarter) ÷ Shares (Basic, Weighted) (latest quarter))

The full definition of P/B ratio →

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