Bread Financial Holdings, Inc. (BFH)

Bread Financial Holdings Ratios and Metrics

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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May 19, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Cap	3,429	3,265	2,998	1,640	1,879	3,315
Market Cap Growth	50.62%	8.89%	82.76%	-12.71%	-43.31%	12.85%
Last Close Price	84.85	74.03	61.06	32.94	37.66	66.57
PE Ratio	6.98	6.80	11.12	2.30	8.44	4.16
Forward PE	7.90	8.54	10.57	4.83	4.63	5.46
PEG Ratio	0.79	0.29	0.29	0.27	0.19	0.45
PB Ratio	1.05	0.98	0.98	0.56	0.83	1.59
P/TBV Ratio	1.17	1.06	1.01	0.56	0.83	1.60
P/FCF Ratio	1.57	1.58	1.64	0.85	1.06	2.27
P/OCF Ratio	1.57	1.56	1.61	0.83	1.02	2.15
Debt / Equity Ratio	1.17	1.29	1.82	1.81	3.54	3.57
Debt / FCF Ratio	1.80	2.08	3.05	2.73	4.51	5.09
Net Debt / Equity Ratio	1.17	1.30	1.82	1.81	3.54	3.57
Net Debt / FCF Ratio	1.80	2.08	3.05	2.73	4.51	5.09
Return on Equity (ROE)	16.87%	16.34%	9.35%	28.44%	10.30%	44.18%
Earnings Yield	16.30%	14.71%	8.99%	43.53%	11.84%	24.06%
FCF Yield	63.76%	63.34%	60.81%	118.20%	94.51%	44.13%
Dividend Yield	1.08%	1.21%	1.42%	2.56%	2.29%	1.27%
Payout Ratio	7.39%	8.11%	15.52%	5.85%	19.28%	5.24%
Buyback Yield / Dilution	8.69%	5.56%	-0.80%	0.00%	0.00%	-4.38%
Total Shareholder Return	9.77%	6.77%	0.62%	2.56%	2.29%	-3.11%

Updated Apr 27, 2026. Data Source: Fiscal.ai. financials template. Financial Sources.

SEC Filings: 10-K · 10-Q