BFH
Bread Financial Holdings
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NYSE: BFH
- PE Ratio
The PE ratio for Bread Financial Holdings stock stands at 8.19 as of Jul 2, 2026. This results from the current EPS of $12.48 and stock price of $102.21. An increase of 18% has been seen in the P/E ratio compared to the average of 7.0 of the last 4 quarters.
BFH PE ratio history
Over the last ten years, the average PE ratio of Bread Financial Holdings has been 11.78. The current 8.19 PE ratio is 30% below the historical average. Over the past ten years, BFH's PE ratio was at its highest in the Jun 2020 quarter at 36.68, with a price of $45.12 and an EPS of $1.23. The Dec 2023 quarter recorded the bottom point at 2.29, with a price of $32.94 and an EPS of $14.39.
Bread Financial Holdings PE ratio by year
Maximum annual increase: 377.73% in 2024
Maximum annual decrease: -75.03% in 2021
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 6.69 | -38.85% | $74.03 | $11.07 |
| 2024 | 10.94 | 377.73% | $61.06 | $5.58 |
| 2023 | 2.29 | -72.84% | $32.94 | $14.39 |
| 2022 | 8.43 | 103.62% | $37.66 | $4.47 |
| 2021 | 4.14 | -75.03% | $66.57 | $16.09 |
| 2020 | 16.58 | -20.52% | $74.1 | $4.47 |
| 2019 | 20.86 | 143.98% | $112.2 | $5.38 |
| 2018 | 8.55 | -52.21% | $150.08 | $17.56 |
| 2017 | 17.89 | -42.29% | $253.48 | $14.17 |
| 2016 | 31 | -0.13% | $228.5 | $7.37 |
| 2015 | 31.04 | -5.37% | $276.57 | $8.91 |
| 2014 | 32.8 | 25.86% | $286.05 | $8.72 |
| 2013 | 26.06 | 51.95% | $262.93 | $10.09 |
| 2012 | 17.15 | 2.76% | $144.76 | $8.44 |
| 2011 | 16.69 | -13.3% | $103.84 | $6.22 |
Bread Financial Holdings PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 6 | -10.31% | $74.89 | $12.48 |
| Dec 2025 | 6.69 | 19.46% | $74.03 | $11.07 |
| Sep 2025 | 5.6 | -41.48% | $55.77 | $9.96 |
| Jun 2025 | 9.57 | 8.75% | $57.12 | $5.97 |
| Mar 2025 | 8.8 | -19.56% | $50.08 | $5.69 |
| Dec 2024 | 10.94 | 46.26% | $61.06 | $5.58 |
| Sep 2024 | 7.48 | 63.68% | $47.58 | $6.36 |
| Jun 2024 | 4.57 | -1.72% | $44.56 | $9.75 |
| Mar 2024 | 4.65 | 103.06% | $37.24 | $8.01 |
| Dec 2023 | 2.29 | -27.76% | $32.94 | $14.39 |
| Sep 2023 | 3.17 | 1.6% | $34.2 | $10.8 |
| Jun 2023 | 3.12 | -3.7% | $31.39 | $10.05 |
| Mar 2023 | 3.24 | -61.57% | $30.32 | $9.35 |
| Dec 2022 | 8.43 | 101.19% | $37.66 | $4.47 |
| Sep 2022 | 4.19 | 5.28% | $31.45 | $7.5 |
BFH Price vs fair value
BFH average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
Currently, BFH's PE ratio is greater than its 3 and 5-year historical averages, but it is below the 10-year average.
PE comparison
Bread Financial Holdings's P/E of 8.19 is below the Financial Services sector and the industry average. Compared to its Financial Services sector average of 13.27, Bread Financial Holdings's P/E is 38% lower.
BFH PE vs peers
Compared to its peer stock RM, BFH's PE ratio stands higher.
| Stock name | PE ratio | Market cap |
|---|---|---|
| RM Regional Management Corp | 7.97 | $383.61M |
| BFH Bread Financial Holdings Inc | 8.19 | $4.13B |
Frequently asked questions
What is Bread Financial Holdings's PE ratio?
As of Jul 2, 2026, BFH stock has a price to earnings ratio of 8.19.
What is the 3-year average PE ratio for Bread Financial Holdings (BFH)?
The average PE ratio for BFH stock over the past 3 years is 6.34.
What is the 5-year average PE ratio for Bread Financial Holdings (BFH)?
The average PE ratio for BFH stock over the past 5 years is 5.63.
What is the highest PE ratio for BFH?
Over the last ten years, the quarterly PE ratio reached a historic high of 36.68 in the Jun 2020 quarter.
How does the current PE ratio for BFH compare to its historical average?
BFH's price to earnings ratio is currently 30% below its 10-year historical average.
Why is Bread Financial Holdings's PE ratio so low?
BFH's stock price is trading at a lower multiple of earnings, which is why its PE ratio of 8.19 is considered low.
How is BFH's PE ratio calculated (Bread Financial Holdings PE ratio formula)?
The PE ratio is calculated by dividing the most recent price of a stock by its trailing twelve months EPS. As of today (Jul 2, 2026), Bread Financial Holdings's stock price is $102.21. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $12.48. Therefore, Bread Financial Holdings's P/E ratio for today is 8.19. PE RATIO(8.19) = STOCK PRICE($102.21) / TTM EPS($12.48)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.