Bread Financial Holdings, Inc. (LON:0HCR)

Bread Financial Holdings Ratios and Metrics

Market cap in millions GBP. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 9, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Cap	2,325	2,429	2,230	1,220	1,398	2,466
Market Cap Growth	0.29%	8.89%	82.76%	-12.71%	-43.31%	12.85%
Enterprise Value	-	13,306	13,360	12,620	14,747	13,939
PE Ratio	6.04	6.80	11.12	2.30	8.44	4.16
Forward PE	7.16	8.54	10.57	4.83	4.63	5.46
PEG Ratio	-	0.27	0.27	0.27	0.26	0.45
PS Ratio	1.20	0.85	0.78	0.38	0.49	1.01
PB Ratio	0.94	0.98	0.98	0.56	0.83	1.59
P/TBV Ratio	1.00	1.06	1.01	0.56	0.83	1.60
P/FCF Ratio	-	1.56	1.61	0.83	1.02	2.15
P/OCF Ratio	1.50	1.56	1.61	0.83	1.02	2.15
EV/Sales Ratio	-	4.65	4.68	3.95	5.18	5.73
EV/EBITDA Ratio	-	-112.48	-36.72	82.74	-220.24	23.90
EV/EBIT Ratio	-	-74.83	-31.02	190.59	-97.64	28.34
EV/FCF Ratio	-	8.55	9.66	8.54	10.73	12.14
Debt / Equity Ratio	5.48	5.48	6.11	6.48	9.64	8.85
Debt / EBITDA Ratio	-114.62	-114.62	-38.12	92.25	-242.59	23.55
Debt / FCF Ratio	8.71	8.71	10.03	9.52	11.81	11.97
Net Debt / Equity Ratio	4.39	4.39	4.91	5.25	7.92	7.39
Net Debt / EBITDA Ratio	-91.95	-91.95	-30.59	74.74	-199.36	19.67
Net Debt / FCF Ratio	6.99	6.99	8.05	7.71	9.71	9.99
Asset Turnover	0.17	0.17	0.17	0.18	0.16	0.15
Return on Equity (ROE)	16.34%	16.34%	9.35%	28.44%	10.30%	44.18%
Return on Assets (ROA)	-0.89%	-0.89%	-1.84%	0.28%	-0.64%	2.28%
Return on Invested Capital (ROIC)	-1.06%	-1.06%	-2.19%	0.33%	-0.75%	2.62%
Return on Capital Employed (ROCE)	-1.05%	-1.05%	-2.52%	0.37%	-0.86%	2.98%
Earnings Yield	16.55%	14.71%	8.99%	43.53%	11.84%	24.06%
FCF Yield	-	64.08%	62.01%	121.13%	98.34%	46.54%
Dividend Yield	0.94%	1.21%	1.42%	2.56%	2.29%	1.27%
Payout Ratio	8.15%	8.11%	15.52%	5.85%	19.28%	5.24%
Buyback Yield / Dilution	9.59%	9.59%	1.83%	2.13%	0.64%	0.00%
Total Shareholder Return	10.53%	10.80%	3.25%	4.69%	2.93%	1.27%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Standard template. Financial Sources.