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Bread Financial Holdings BFH Price / book

Price / book at other companies

Capital One FinancialCOF

1×-0.1×

Synchrony FinancialSYF

1.4×+0.2×

PayPal Holdings, Inc.PYPL

2.1×-1.1×

Affirm Holdings, Inc.AFRM

4×-1.0×

CVB FinancialCVBF

1.1×0.0×

Commerce BancsharesCBSH

1.7×-0.7×

Other financials

Income statement

Revenue$1.0B+4.9%

Gross profit$361.8M—

Operating income$382.8M—

Net income$181.0M+31.2%

EPS (diluted)$4.15+49.3%

Balance sheet

Cash & equivalents$4.0B-6.6%

Total debt$85.0M-98.5%

Total equity$3.3B+8.4%

Total assets$22.3B-0.3%

Cash flow

Operating cash flow$487.0M+23.9%

CapEx$15.0M-40.0%

Free cash flow$482.0M+55.5%

Valuation

Market cap$4.14B+31.3%

P/E7.4×-3.9×

P/S1.1×+0.2×

Profitability

Gross margin52%—

Operating margin45.9%—

Net margin14.4%+7.1pp

FCF margin46.5%+1.9pp

Returns & leverage

Return on equity17.6%+8.4pp

Debt / equity0×-1.8×

Current ratio1.5×—

Where this comes from

Calculated from Bread Financial Holdings’s reported figures.

market cap/total stockholders equity=1×

Based on the most recent quarter.

The official record: Bread Financial Holdings’s 10-Q, filed April 28, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bread Financial Holdings's price / book?: Bread Financial Holdings (BFH) reported price / book of 1× in Q1 2026.
How has Bread Financial Holdings's price / book changed year-over-year?: Bread Financial Holdings's price / book increased by 21.2% year-over-year, from 0.8× to 1×.
What is the long-term trend for Bread Financial Holdings's price / book?: Over 5 years (2020 to 2025), Bread Financial Holdings's price / book has grown at a -16.0% compound annual growth rate (CAGR), from 2.4× to 1×.
What does price / book mean?: Market capitalization at the quarter end divided by shareholders' equity. The premium (or discount) the market assigns to the company's book equity.