Bread Financial price to free cash flow BFH

Market value divided by free cash flow over the last twelve months, since 2011.

Today, Oct 23, 2026: n/m; not a meaningful number
Last meaningful: 1.2×; Jul 2023
10-year median: 2.4×
10-year range: 0.7× to 6.3×
Peer median: 12.1×

Bread Financial's price to free cash flow is not a meaningful number today: free cash flow over the last twelve months was zero, negative or not reported.

It was last meaningful in Jul 2023, at 1.2×.

On the days it had one over the last ten years, its median was 2.4×, from 0.7× in May 2023 to 6.3× in Feb 2017.

Price to free cash flow over time

median 2.4×

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
2023	1.2×	0.7×	1.3×
2022	1.2×	1.0×	2.4×
2021	2.2×	2.1×	2.9×
2020	2.5×	0.9×	3.0×
2019	1.9×	1.8×	3.0×
2018	2.4×	2.4×	5.3×
2017	4.8×	4.2×	6.3×
2016	5.9×	5.4×	10.2×
2015	11.0×	10.6×	14.6×
2014	13.6×	9.9×	14.1×
2013	10.7×	6.0×	10.7×
2012	5.7×	4.5×	6.2×
2011	4.6×	4.1×	5.4×

Against its peers

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

Company	Price to free cash flow
BFHBread Financial	n/m
ENVAEnova International	2.0×
SLMSLM	n/m
PAYPaymentus	26.4×
TNETTrinet	12.1×
NNINelnet	12.0×
SEZLSezzle	13.6×
MMSMaximus	7.6×
DAVEDave	13.9×
CBZCBIZ	10.9×
FIGRFigure Technology Solutions	n/m
Peer median	12.1×

What the price to free cash flow tells you

Market value divided by free cash flow: the cash left after running the business and paying for equipment. Cash is harder to manage than accounting earnings, so many investors trust this more than PE.

Lumpy: a big year of building factories drops cash flow and inflates the ratio without the business getting worse.

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.