BFH PE Ratio & Valuation,Is BFH Overvalued

BFH Relative Valuation

BFH's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, BFH is overvalued; if below, it's undervalued.

Historical Valuation

Bread Financial Holdings Inc (BFH) is now in the Fair zone, suggesting that its current forward PE ratio of 8.50 is considered Fairly compared with the five-year average of 6.91. The fair price of Bread Financial Holdings Inc (BFH) is between 56.32 to 95.51 according to relative valuation methord.

Relative Value

Fair Zone

56.32-95.51

Current Price：74.70

Fair

8.48

0.00

EV/EBITDA

Bread Financial Holdings Inc. (BFH) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Bread Financial Holdings Inc. (BFH) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

0.87

Bread Financial Holdings Inc. (BFH) has a current PS of 0.87. The 5-year average PS is 0.69. The thresholds are as follows: Strongly Undervalued below 0.15, Undervalued between 0.15 and 0.42, Fairly Valued between 0.96 and 0.42, Overvalued between 0.96 and 1.22, and Strongly Overvalued above 1.22. The current Forward PS of 0.87 falls within the Historic Trend Line -Fairly Valued range.

1.76

P/OCF

Bread Financial Holdings Inc. (BFH) has a current P/OCF of 1.76. The 5-year average P/OCF is 1.72. The thresholds are as follows: Strongly Undervalued below -0.17, Undervalued between -0.17 and 0.78, Fairly Valued between 2.67 and 0.78, Overvalued between 2.67 and 3.62, and Strongly Overvalued above 3.62. The current Forward P/OCF of 1.76 falls within the Historic Trend Line -Fairly Valued range.

7.07

P/FCF

Bread Financial Holdings Inc. (BFH) has a current P/FCF of 7.07. The 5-year average P/FCF is 6.98. The thresholds are as follows: Strongly Undervalued below -11.41, Undervalued between -11.41 and -2.21, Fairly Valued between 16.18 and -2.21, Overvalued between 16.18 and 25.37, and Strongly Overvalued above 25.37. The current Forward P/FCF of 7.07 falls within the Historic Trend Line -Fairly Valued range.

Bread Financial Holdings Inc (BFH) has a current Price-to-Book (P/B) ratio of 1.03. Compared to its 3-year average P/B ratio of 0.75 , the current P/B ratio is approximately 38.55% higher. Relative to its 5-year average P/B ratio of 1.19, the current P/B ratio is about -13.38% higher. Bread Financial Holdings Inc (BFH) has a Forward Free Cash Flow (FCF) yield of approximately 58.81%. Compared to its 3-year average FCF yield of 92.39%, the current FCF yield is approximately -36.34% lower. Relative to its 5-year average FCF yield of 75.79% , the current FCF yield is about -22.41% lower.

1.03

P/B

Median3y

0.75

Median5y

1.19

58.81

FCF Yield

Median3y

92.39

Median5y

75.79

Competitors Valuation Multiple

The average P/S ratio for BFH's competitors is , providing a benchmark for relative valuation. Bread Financial Holdings Inc Corp (BFH) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of -5.32%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of BFH increased by 21.77% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 0.27 to 17.90.

The secondary factor is the Revenue Growth, contributed -5.32%to the performance.

Overall, the performance of BFH in the past 1 year is driven by Margin Expansion. Which is more sustainable.

-5.32%

1.11B → 1.05B

Revenue Growth

6529.63%

0.27 → 17.90

Margin Expansion

-6502.54%

-0.12 → 7.62

P/E Change

21.77%

61.06 → 74.35

Mkt Cap Growth

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Frequently Asked Questions

Is Bread Financial Holdings Inc (BFH) currently overvalued or undervalued?

What is Bread Financial Holdings Inc (BFH) fair value?

BFH's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Bread Financial Holdings Inc (BFH) is between 56.32 to 95.51 according to relative valuation methord.

How does BFH's valuation metrics compare to the industry average?

What is the current P/B ratio for Bread Financial Holdings Inc (BFH) as of Dec 16 2025?

As of Dec 16 2025, Bread Financial Holdings Inc (BFH) has a P/B ratio of 1.03. This indicates that the market values BFH at 1.03 times its book value.

What is the current FCF Yield for Bread Financial Holdings Inc (BFH) as of Dec 16 2025?

As of Dec 16 2025, Bread Financial Holdings Inc (BFH) has a FCF Yield of 58.81%. This means that for every dollar of Bread Financial Holdings Inc’s market capitalization, the company generates 58.81 cents in free cash flow.

What is the current Forward P/E ratio for Bread Financial Holdings Inc (BFH) as of Dec 16 2025?

As of Dec 16 2025, Bread Financial Holdings Inc (BFH) has a Forward P/E ratio of 8.50. This means the market is willing to pay $8.50 for every dollar of Bread Financial Holdings Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Bread Financial Holdings Inc (BFH) as of Dec 16 2025?

As of Dec 16 2025, Bread Financial Holdings Inc (BFH) has a Forward P/S ratio of 0.87. This means the market is valuing BFH at $0.87 for every dollar of expected revenue over the next 12 months.

BFH Valuation