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

Bread Financial Holdings, Inc.

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

102.89 0.32 +0.31%

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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

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

Alert me on P/S ratio

As of 5 November 2026, Bread Financial Holdings, Inc. (BFH) trades at a P/S ratio of 0.8×. Over the past ten years it has ranged from 0.2× (March 2020) to 2.8× (April 2015); the current reading is higher than 46% of that period. That is below the Credit Services industry median of 1.0× and below the Financial sector median of 2.3×.

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<iframe src="https://stockrow.com/embed/BFH/ps-ratio" width="100%" height="360" style="border:0" loading="lazy" title="Bread Financial Holdings, Inc. P/S ratio, 10 years"></iframe>
<p style="font-size:12px">Source: <a href="https://stockrow.com/BFH/metrics/ps-ratio">Bread Financial Holdings, Inc. (BFH) P/S ratio — stockrow.com</a></p>

Period	P/S ratio	Change
FY2025	0.7×	16.61%
FY2024	0.6×	90.17%
FY2023	0.3×	(23.92%)
FY2022	0.4×	(51.82%)
FY2021	0.9×	20.85%
FY2020	0.8×	(22.04%)
FY2019	1.0×	(17.70%)
FY2018	1.2×	(44.03%)
FY2017	2.1×	35.80%
FY2016	1.5×	(27.41%)

Period	P/S ratio	Change
Sep 2026	0.8×	(14.03%)
Jun 2026	0.9×	33.77%
Mar 2026	0.7×	(7.81%)
Dec 2025	0.7×	33.13%
43 more quarters	Free account

Against its own ten years

Low 0.2× High 2.8×

Ten-year median 0.9×

Current reading's percentile 50

Company	P/S ratio
BFH Bread Financial Holdings, Inc.	0.8×
OMF OneMain Holdings, Inc. compare	1.0×
SLM SLM Corporation compare	1.1×
ENVA Enova International, Inc. compare	1.2×
AGM Federal Agricultural Mortgage Corporation compare	1.3×
UPST Upstart Holdings, Inc. compare	1.9×
NNI Nelnet, Inc. compare	2.2×
CACC Credit Acceptance Corporation compare	2.3×
SEZL Sezzle Inc. compare	8.9×
Credit Services industry median	1.0×
Financial sector median	2.3×
Market median	1.9×

What P/S ratio is

Price to Sales Ratio shows how much investors pay for each dollar of a company’s annual sales, whether or not it is profitable.

(Stock Price × Shares (Basic, Weighted) (latest quarter)) ÷ Revenue (TTM)

The full definition of P/S ratio →

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

P/S ratio, daily

Annual newest first

Quarterly newest first

Against its own ten years

P/S ratio against peers

What P/S ratio is

More on BFH

P/S ratio, daily

Annual newest first

Quarterly newest first

Against its own ten years

P/S ratio against peers

What P/S ratio is

More on BFH

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