Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Bread Financial HoldingsBFH -2.33%61 EV-to-OCF is 3.19 as of Aug. 19, 2026, which is 28% below its 10-year median of 4.44. GuruFocus rates BFH with a GF Score™ of 61/100 and a GF Value™ of $58.38 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 547 Credit Services companies, Bread Financial Holdings ranks worse than 57.95% on this metric.
The historical rank and industry rank for Bread Financial Holdings's EV-to-OCF or its related term are showing as below:
BFH'
s EV-to-OCF Range Over the Past 10 Years
Min: -2.31 Med: 4.44 Max: 10.56
Current: 3.19
During the past 13 years, the highest EV-to-OCF of Bread Financial Holdings was 10.56. The lowest was -2.31. And the median was 4.44.
BFH's EV-to-OCF is ranked worse than 57.95% of 547
companies
in the Credit Services industry
Industry Median: -0.41
vs BFH: 3.19
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Bread Financial Holdings's PE Ratio (TTM) for today is calculated as:
Bread Financial Holdings's share price for today is $108.51.
Bread Financial Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $12.900.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Bread Financial Holdings EV-to-OCF Related Terms
Bread Financial Holdings EV-to-OCF Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Bread Financial Holdings's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bread Financial Holdings EV-to-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Bread Financial Holdings's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Bread Financial Holdings's EV-to-OCF falls into.
Bread Financial Holdings's current Enterprise Value is $6,996 Mil.
Bread Financial Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2,193 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bread Financial Holdings (BFH) has a EV-to-OCF of 3.19 as of Aug. 19, 2026. This is 28% below median its historical median of 4.44. According to the industry distribution chart, Bread Financial Holdings ranks #317 out of 547 companies in the Credit Services industry, placing it in the top 58%.
Is Bread Financial Holdings' EV-to-OCF too high?
Bread Financial Holdings' current EV-to-OCF of 3.19 is 28% below median its 10-year median of 4.44. Based on the distribution chart, Bread Financial Holdings ranks #317 out of 547 companies in the Credit Services industry, which is below the industry midpoint. Overall, Bread Financial Holdings has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bread Financial Holdings' EV-to-OCF compare to SLM and NNI?
According to the Credit Services industry distribution chart, Bread Financial Holdings ranks #317 out of 547 companies for EV-to-OCF. This places Bread Financial Holdings in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Bread Financial Holdings's current EV-to-OCF is 3.19, which is 28% below median its own 10-year median of 4.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bread Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, Bread Financial Holdings (BFH) is currently considered Significantly Overvalued. The stock's GF Value™ is $58.38, compared to a current price of $108.51 — trading 85.9% above its estimated fair value. The current EV-to-OCF is 3.19, which is 28% below median its 10-year median of 4.44. Bread Financial Holdings' overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Bread Financial Holdings (BFH), the current EV-to-OCF is 3.19 as of Aug. 19, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bread Financial Holdings (BFH) Overvalued in 2026?
Based on GuruFocus' analysis, Bread Financial Holdings stock appears to be overvalued.
The current stock price of $108.51 is trading 85.9% above its estimated GF Value™ of $58.38.
GuruFocus considers Bread Financial Holdings to be Significantly Overvalued.
Key valuation signals for BFH:
EV-to-OCF: 3.19 (28% below median its 10-year median of 4.44)
GF Value™: $58.38 vs. price of $108.51 (85.9% above fair value)
No single metric tells the full story. See the BFH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company's most financially significant unit is its credit card business that partners with retailers to jointly market Bread's credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.
61GF Score
Get the complete analysis for BFH
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BFH has been successfully added to your 
