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Saturday 17 October 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. In the quarter to June 2026, revenue grew 3.39%, EPS grew 21.9%, free cash flow grew 1.93% and total debt fell 22.3%, each against the same quarter a year earlier. Dividend growth for five consecutive years; insiders bought in the last twelve months.

102.56 1.25 +1.23%
Market cap
$3.9B
P/E
7.9×
Fwd P/E
8.2×
Dividend yield
0.90%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

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

Alert me on P/E ratio

As of 16 October 2026, Bread Financial Holdings, Inc. (BFH) trades at a P/E ratio of 7.9×. Over the past ten years it has ranged from 2.1× (January 2024) to 32.5× (November 2015); the current reading is higher than 42% of that period. That is below the Credit Services industry median of 9.4× and below the Financial sector median of 12.4×.

P/E ratio, daily

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Annual newest first

Period P/E ratio Change
FY2025 6.8× (37.99%)
FY2024 10.9× 374.79%
FY2023 2.3× (72.89%)
FY2022 8.5× 105.27%
FY2021 4.1× (68.68%)
FY2020 13.2× (11.40%)
FY2019 14.9× 118.81%
FY2018 6.8× (52.55%)
FY2017 14.4× (43.36%)
FY2016 25.3× 1.92%

Quarterly newest first

Period P/E ratio Change
Jun 2026 8.4× 37.42%
Mar 2026 6.1× (10.18%)
Dec 2025 6.8× 19.99%
Sep 2025 5.6× (41.00%)
42 more quarters

Against its own ten years

Low 2.1× High 32.5×
Ten-year median 9.1×
Current reading's percentile 46

P/E ratio against peers

Company P/E ratio
KLAR Klarna Group plc compare n/m
SLM SLM Corporation compare 6.0×
BFH Bread Financial Holdings, Inc. 7.9×
OMF OneMain Holdings, Inc. compare 8.4×
CACC Credit Acceptance Corporation compare 11.7×
ENVA Enova International, Inc. compare 12.4×
NNI Nelnet, Inc. compare 15.3×
SEZL Sezzle Inc. compare 27.0×
UPST Upstart Holdings, Inc. compare 38.0×
Credit Services industry median 9.4×
Financial sector median 12.4×
Market median 18.1×

What P/E ratio is

Price to Earnings Ratio shows how much investors pay for each dollar of a company’s annual profit per share.

Stock Price ÷ EPS (Basic) (TTM)

The full definition of P/E ratio →

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