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 0.07, based on Jul 2, 2026 data. Dividing the 8.19 PE ratio by the 119.3% earnings growth rate produces this figure.
BFH PEG ratio history
Historically, Bread Financial Holdings has a PEG ratio averaging 0.92 across the last ten years. At 0.07, today's PEG ratio sits 92% 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 |
|---|---|---|---|
| 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% |
| Dec 2022 | N/A | 8.43 | -72.2% |
| Sep 2022 | N/A | 4.19 | -53.1% |
BFH average PEG ratio chart
Measured against past performance, BFH's PEG ratio sits above the 3-year average, but it is lower than the 5 and 10-year averages.
PEG comparison
Bread Financial Holdings's PEG of 0.07 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 85% 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.
| Stock name | PEG ratio | Market cap |
|---|---|---|
| BFH Bread Financial Holdings Inc | 0.07 | $4.13B |
| RM Regional Management Corp | 0.15 | $383.61M |
Frequently asked questions
What is Bread Financial Holdings's PEG ratio?
Based on Jul 2, 2026 data, BFH has a PEG ratio of 0.07.
What is the 3-year average PEG ratio for Bread Financial Holdings (BFH)?
BFH has a 3-year average PEG ratio of 0.06.
What is the 5-year average PEG ratio for Bread Financial Holdings (BFH)?
BFH has a 5-year average PEG ratio of 0.09.
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 92% 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 0.07.
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 Jul 2, 2026, Bread Financial Holdings has a PE ratio of 8.19. Earnings grew at 119.3% over the TTM period ending Mar 2026. Applying the formula, this gives a PEG ratio of 0.07. PEG RATIO(0.07) = PE RATIO(8.19) / EPS GROWTH(119.3%)
All PEG ratio stats are based on quarterly TTM periods, unless otherwise specified.