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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) Price to free cash flow

Alert me on Price to free cash flow

As of 5 November 2026, Bread Financial Holdings, Inc. (BFH) trades at a price to free cash flow of 1.8×. Over the past ten years it has ranged from 0.7× (May 2023) to 15.2× (April 2015); the current reading is higher than 41% of that period. That is below the Credit Services industry median of 2.5× and below the Financial sector median of 9.7×.

Price to free cash flow, daily

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Annual newest first

Period Price to free cash flow Change
FY2025 1.7× 0.84%
FY2024 1.7× 96.07%
FY2023 0.8× (20.52%)
FY2022 1.1× (52.86%)
FY2021 2.3× 45.04%
FY2020 1.6× (62.86%)
FY2019 4.2× 61.69%
FY2018 2.6× (46.18%)
FY2017 4.8× (15.74%)
FY2016 5.7× (34.29%)

Quarterly newest first

Period Price to free cash flow Change
Sep 2026 1.7× (13.44%)
Jun 2026 2.0× 34.25%
Mar 2026 1.5× (11.42%)
Dec 2025 1.7× 27.65%
43 more quarters

Against its own ten years

Low 0.7× High 15.2×
Ten-year median 2.3×
Current reading's percentile 41

Price to free cash flow against peers

Company Price to free cash flow
SLM SLM Corporation compare n/m
UPST Upstart Holdings, Inc. compare n/m
BFH Bread Financial Holdings, Inc. 1.8×
OMF OneMain Holdings, Inc. compare 2.0×
ENVA Enova International, Inc. compare 2.2×
CACC Credit Acceptance Corporation compare 4.3×
AGM Federal Agricultural Mortgage Corporation compare 6.9×
NNI Nelnet, Inc. compare 12.3×
SEZL Sezzle Inc. compare 19.0×
Credit Services industry median 2.5×
Financial sector median 9.7×
Market median 14.1×

What Price to free cash flow is

Price to Free Cash Flow Ratio shows how much investors pay for each dollar of cash a company generates after its capital spending.

Stock Price ÷ ((Operating Cash Flow (TTM) + Property, Plant, Equipment Change (Net) (TTM) + Intangible Assets Change (Net) (TTM)) ÷ (Shares (Basic, Weighted) (latest quarter)))

The full definition of Price to free cash flow →

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