Historical Valuation
Bread Financial Holdings Inc (BFH) is now in the Fair zone, suggesting that its current forward PE ratio of 8.69 is considered Fairly compared with the five-year average of 6.95. The fair price of Bread Financial Holdings Inc (BFH) is between 61.02 to 102.37 according to relative valuation methord.
Relative Value
Fair Zone
61.02-102.37
Current Price：80.50
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Bread Financial Holdings Inc (BFH) has a current Price-to-Book (P/B) ratio of 1.04. Compared to its 3-year average P/B ratio of 0.75 , the current P/B ratio is approximately 39.24% higher. Relative to its 5-year average P/B ratio of 1.18, the current P/B ratio is about -11.13% higher. Bread Financial Holdings Inc (BFH) has a Forward Free Cash Flow (FCF) yield of approximately 58.26%. Compared to its 3-year average FCF yield of 91.80%, the current FCF yield is approximately -36.54% lower. Relative to its 5-year average FCF yield of 76.08% , the current FCF yield is about -23.43% lower.
P/B
Median3y
0.75
Median5y
1.18
FCF Yield
Median3y
91.80
Median5y
76.08
Competitors Valuation Multiple
AI Analysis for BFH
The average P/S ratio for BFH competitors is 2.64, providing a benchmark for relative valuation. Bread Financial Holdings Inc Corp (BFH.N) exhibits a P/S ratio of 0.88, which is -66.78% above the industry average. Given its robust revenue growth of -5.32%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for BFH
1Y
3Y
5Y
Market capitalization of BFH increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of BFH in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is BFH currently overvalued or undervalued?
Bread Financial Holdings Inc (BFH) is now in the Fair zone, suggesting that its current forward PE ratio of 8.69 is considered Fairly compared with the five-year average of 6.95. The fair price of Bread Financial Holdings Inc (BFH) is between 61.02 to 102.37 according to relative valuation methord.
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 61.02 to 102.37 according to relative valuation methord.
How does BFH's valuation metrics compare to the industry average?
The average P/S ratio for BFH's competitors is 2.64, providing a benchmark for relative valuation. Bread Financial Holdings Inc Corp (BFH) exhibits a P/S ratio of 0.88, which is -66.78% above the industry average. Given its robust revenue growth of -5.32%, this premium appears unsustainable.
What is the current P/B ratio for Bread Financial Holdings Inc (BFH) as of Jan 10 2026?
As of Jan 10 2026, Bread Financial Holdings Inc (BFH) has a P/B ratio of 1.04. This indicates that the market values BFH at 1.04 times its book value.
What is the current FCF Yield for Bread Financial Holdings Inc (BFH) as of Jan 10 2026?
As of Jan 10 2026, Bread Financial Holdings Inc (BFH) has a FCF Yield of 58.26%. This means that for every dollar of Bread Financial Holdings Inc’s market capitalization, the company generates 58.26 cents in free cash flow.
What is the current Forward P/E ratio for Bread Financial Holdings Inc (BFH) as of Jan 10 2026?
As of Jan 10 2026, Bread Financial Holdings Inc (BFH) has a Forward P/E ratio of 8.69. This means the market is willing to pay $8.69 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 Jan 10 2026?
As of Jan 10 2026, Bread Financial Holdings Inc (BFH) has a Forward P/S ratio of 0.88. This means the market is valuing BFH at $0.88 for every dollar of expected revenue over the next 12 months.