Bread Financial PE ratio BFH

Share price divided by earnings per share over the last twelve months, since 2011.

Today, Oct 23, 2026: 7.8×
10-year median: 8.1×
Against its 10-year history: 46th; percentile: 0 is its lowest day, 100 its highest
10-year range: 2.4× to 32.3×
Peer median: 21.7×

Bread Financial's PE ratio is 7.8× as of Oct 23, 2026: a share price of $99.89 against $12.83 of earnings per share over the last twelve months.

That is below its ten-year median of 8.1×, close to the middle of its last ten years.

Over that time it ranged from 2.4× in Apr 2024 to 32.3× in Oct 2020.

The median for 10 credit services stocks of a similar size is 21.7×.

PE ratio over time

median 8.1×

The dashed line is the 10-year median and the shaded band the middle half of its days.

Open the interactive chart, with overlays and comparisons

Year by year

Year	End of year	Low	High
2026 so far	7.8×	6.5×	8.8×
2025	7.8×	6.3×	11.2×
2024	9.9×	2.4×	10.4×
2023	3.1×	2.5×	9.1×
2022	5.0×	2.6×	5.7×
2021	4.2×	4.2×	21.1×
2020	9.4×	3.9×	32.3×
2019	10.3×	5.0×	10.4×
2018	7.0×	6.9×	23.4×
2017	21.4×	18.7×	28.3×
2016	19.2×	17.3×	27.8×
2015	29.9×	24.9×	32.2×
2014	26.4×	23.4×	32.7×
2013	29.8×	18.7×	29.8×
2012	17.8×	15.8×	19.0×
2011	16.0×	14.3×	18.7×

Against its peers

Companies in Financial - Credit Services nearest Bread Financial's size, closest first, today.

Company	PE ratio
BFHBread Financial	7.8×
ENVAEnova International	11.4×
SLMSLM	7.0×
PAYPaymentus	50.5×
TNETTrinet	20.3×
NNINelnet	14.7×
SEZLSezzle	29.0×
MMSMaximus	9.3×
DAVEDave	23.0×
CBZCBIZ	25.7×
FIGRFigure Technology Solutions	24.2×
Peer median	21.7×

Where Bread Financial ranks

What the PE ratio tells you

Share price divided by earnings per share over the last twelve months. It is the price tag on a dollar of profit: 20× means you pay $20 for $1 of yearly earnings.

Blank while earnings are negative. A very low PE can mean the market expects profits to fall, so read it with growth and the company's own history.

More on Bread Financial

Valuation data, not investment advice. Prices as of Oct 23, 2026. Reported figures come from the company's filings with the SEC.