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Bread Financial price to book ratio BFH

Market value divided by the book value of the company's net assets, since 2010.

Today, Oct 23, 2026
1.1×
10-year median
1.5×
Against its 10-year history
42nd
percentile: 0 is its lowest day, 100 its highest
10-year range
0.5× to 8.6×
Peer median
3.1×

Bread Financial's price to book ratio is 1.1× as of Oct 23, 2026.

That is below its ten-year median of 1.5×, close to the middle of its last ten years.

Over that time it ranged from 0.5× in May 2023 to 8.6× in Jul 2017.

The median for 10 credit services stocks of a similar size is 3.1×.

Price to book ratio over time

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

YearEnd of yearLowHigh
2026 so far1.1×0.9×1.3×
20251.1×0.7×1.1×
20241.0×0.5×1.0×
20230.6×0.5×0.9×
20220.8×0.7×1.6×
20211.5×1.5×3.1×
20202.1×0.6×2.8×
20192.7×1.7×3.4×
20182.8×2.8×7.6×
20177.0×5.7×8.6×
20165.9×4.6×6.4×
20156.9×5.8×13.1×
201412.8×10.8×15.5×
201314.1×11.2×15.8×
201211.6×11.3×33.3×
201128.3×25.4×168×
201064.4×55.9×82.5×

Against its peers

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

CompanyPrice to book ratio
BFHBread Financial1.1×
ENVAEnova International2.6×
SLMSLM1.6×
PAYPaymentus6.8×
TNETTrinet27.8×
NNINelnet1.2×
SEZLSezzle19.1×
MMSMaximus1.9×
DAVEDave21.8×
CBZCBIZ1.6×
FIGRFigure Technology Solutions3.7×
Peer median3.1×

What the price to book ratio tells you

Market value divided by the accounting value of the company's net assets. Below 1 means the market values the business at less than what it owns on paper.

Book value misses brands, software and people, so asset-light companies always look expensive on it. Most useful for banks and industrials.

More on Bread Financial

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