BFH
Bread Financial Holdings
PEG ratio, current and historical analysis
- Stocks
- Financial Services
- NYSE: BFH
- PEG Ratio
Bread Financial Holdings currently trades with a PEG ratio of 0.27, based on Nov 2, 2026 data. Dividing the 8.24 PE ratio by the 30.5% earnings growth rate produces this figure. Relative to the 0.11 average from the past four quarters, the PEG ratio has surged by 145%.
BFH PEG ratio history
Historically, Bread Financial Holdings has a PEG ratio averaging 0.86 across the last ten years. At 0.27, today's PEG ratio sits 69% less than its historical average. The ten years high came in the Jun 2019 quarter at 12.41, reflecting peak valuation relative to growth. The bottom was reached in the Jun 2021 quarter at 0.01, suggesting attractive value relative to growth during that period.
Bread Financial Holdings PEG ratio by year
| Year | PEG ratio | PE ratio | Growth YoY |
|---|---|---|---|
| 2025 | 0.07 | 6.69 | 98.4% |
| 2024 | N/A | 10.94 | -61.2% |
| 2023 | 0.01 | 2.29 | 221.9% |
| 2022 | N/A | 8.43 | -72.2% |
| 2021 | 0.02 | 4.14 | 260% |
| 2020 | N/A | 16.58 | -16.9% |
| 2019 | N/A | 20.86 | -69.4% |
| 2018 | 0.36 | 8.55 | 23.9% |
| 2017 | 0.19 | 17.89 | 92.3% |
| 2016 | N/A | 31 | -17.3% |
| 2015 | 14.11 | 31.04 | 2.2% |
| 2014 | N/A | 32.8 | -13.6% |
| 2013 | 1.34 | 26.06 | 19.5% |
| 2012 | 0.48 | 17.15 | 35.7% |
| 2011 | 0.24 | 16.69 | 68.6% |
Bread Financial Holdings PEG ratio by quarter (TTM)
| Year | PEG ratio | PE ratio | Growth YoY |
|---|---|---|---|
| Sep 2026 | 0.25 | 7.52 | 30.5% |
| Jun 2026 | 0.07 | 8.25 | 119.9% |
| Mar 2026 | 0.05 | 6 | 119.3% |
| Dec 2025 | 0.07 | 6.69 | 98.4% |
| Sep 2025 | 0.1 | 5.6 | 56.6% |
| Jun 2025 | N/A | 9.57 | -38.8% |
| Mar 2025 | N/A | 8.8 | -29% |
| Dec 2024 | N/A | 10.94 | -61.2% |
| Sep 2024 | N/A | 7.48 | -41.1% |
| Jun 2024 | N/A | 4.57 | -3% |
| Mar 2024 | N/A | 4.65 | -14.3% |
| Dec 2023 | 0.01 | 2.29 | 221.9% |
| Sep 2023 | 0.07 | 3.17 | 44% |
| Jun 2023 | 0.39 | 3.12 | 7.9% |
| Mar 2023 | N/A | 3.24 | -35.8% |
BFH average PEG ratio chart
Measured against past performance, BFH's PEG ratio sits above the 3 and 5-year averages, but it is lower than the 10-year average.
PEG comparison
Bread Financial Holdings's PEG of 0.27 is lower than the Financial Services sector and the industry average. Looking at the Financial Services sector average of 0.48, Bread Financial Holdings's PEG is 44% lower.
BFH EPS growth
BFH Price vs fair value
BFH PEG vs peers
Relative to its peer stock RM, BFH's PEG ratio is lower.
Frequently asked questions
What is Bread Financial Holdings's PEG ratio?
Based on Nov 2, 2026 data, BFH has a PEG ratio of 0.27.
What is the 3-year average PEG ratio for Bread Financial Holdings (BFH)?
BFH has a 3-year average PEG ratio of 0.09.
What is the 5-year average PEG ratio for Bread Financial Holdings (BFH)?
BFH has a 5-year average PEG ratio of 0.11.
What is the highest PEG ratio for BFH?
In the last ten years, BFH's peak PEG ratio of 12.41 occurred in the Jun 2019 quarter.
How does the current PEG ratio for BFH compare to its historical average?
Compared to the 10-year average, BFH's PEG ratio stands 69% lower.
Why is Bread Financial Holdings's PEG ratio so low?
Rapid earnings growth combined with a modest valuation gives BFH a PEG ratio of 0.27.
How is BFH's PEG ratio calculated (Bread Financial Holdings PEG ratio formula)?
Computing the PEG ratio involves dividing the PE ratio by the company's earnings per share growth (YoY TTM). As of Nov 2, 2026, Bread Financial Holdings has a PE ratio of 8.24. Earnings grew at 30.5% over the TTM period ending Sep 2026. Applying the formula, this gives a PEG ratio of 0.27. PEG RATIO(0.27) = PE RATIO(8.24) / EPS GROWTH(30.5%)
All PEG ratio stats are based on quarterly TTM periods, unless otherwise specified.