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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

103.85 1.28 +1.25%
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/E ratio

Alert me on P/E ratio

As of 5 November 2026, Bread Financial Holdings, Inc. (BFH) trades at a P/E ratio of 8.0×. 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 9.0× and below the Financial sector median of 12.2×.

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× (68.95%)
FY2020 13.3× (11.41%)
FY2019 15.0× 118.81%
FY2018 6.9× (52.55%)
FY2017 14.5× (43.36%)
FY2016 25.6× 2.83%

Quarterly newest first

Period P/E ratio Change
Sep 2026 7.6× (9.43%)
Jun 2026 8.4× 37.42%
Mar 2026 6.1× (10.18%)
Dec 2025 6.8× 19.99%
43 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
SLM SLM Corporation compare 6.3×
BFH Bread Financial Holdings, Inc. 8.0×
OMF OneMain Holdings, Inc. compare 8.7×
AGM Federal Agricultural Mortgage Corporation compare 10.8×
ENVA Enova International, Inc. compare 11.3×
CACC Credit Acceptance Corporation compare 16.7×
NNI Nelnet, Inc. compare 16.8×
SEZL Sezzle Inc. compare 28.6×
UPST Upstart Holdings, Inc. compare 38.2×
Credit Services industry median 9.0×
Financial sector median 12.2×
Market median 17.9×

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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