Bread Financial HoldingsBFH +0.05%59 EV-to-FCF is 3.25 as of Jun. 25, 2026, which is 32% below its 10-year median of 4.77. GuruFocus rates BFH with a GF Score™ of 59/100 and a GF Value™ of $57.10 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 265 Credit Services companies, Bread Financial Holdings ranks better than 83.02% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Bread Financial Holdings's Enterprise Value is $7,102 Mil.
Bread Financial Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $2,186 Mil. Therefore, Bread Financial Holdings's EV-to-FCF for today is 3.25.
The historical rank and industry rank for Bread Financial Holdings's EV-to-FCF or its related term are showing as below:
BFH'
s EV-to-FCF Range Over the Past 10 Years
Min: -2.61 Med: 4.77 Max: 12.24
Current: 3.25
During the past 13 years, the highest EV-to-FCF of Bread Financial Holdings was 12.24. The lowest was -2.61. And the median was 4.77.
BFH's EV-to-FCF is ranked better than 83.02% of 265
companies
in the Credit Services industry
Industry Median: 12.99
vs BFH: 3.25
EV-to-FCF 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-FCF 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 $104.96.
Bread Financial Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $12.290.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Bread Financial Holdings EV-to-FCF Related Terms
Bread Financial Holdings EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Bread Financial Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Bread Financial Holdings's EV-to-FCF falls into.
Bread Financial Holdings's current Enterprise Value is $7,102 Mil.
Bread Financial Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2,186 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-FCF of 3.25 as of Jun. 25, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Bread Financial Holdings and its competitors. This is 32% below median its historical median of 4.77. According to the industry distribution chart, Bread Financial Holdings ranks #45 out of 265 companies in the Credit Services industry, placing it in the top 17%.
Is Bread Financial Holdings' EV-to-FCF too high?
Bread Financial Holdings' current EV-to-FCF of 3.25 is 32% below median its 10-year median of 4.77. The Credit Services industry median EV-to-FCF is 12.99. Bread Financial Holdings' value of 3.25 is 75% below this industry median. Based on the distribution chart, Bread Financial Holdings ranks #45 out of 265 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Bread Financial Holdings has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bread Financial Holdings' EV-to-FCF compare to UPST and SEZL?
According to the Credit Services industry distribution chart, Bread Financial Holdings ranks #45 out of 265 companies for EV-to-FCF. This places Bread Financial Holdings in the top 17% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 12.99. Bread Financial Holdings' value of 3.25 is 75% below this benchmark. While the company's 10-year median is 4.77 vs. the industry median of 12.99, Bread Financial Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 12.99, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bread Financial Holdings's current EV-to-FCF of 3.25 is 75% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Bread Financial Holdings and its competitors. For the Credit Services industry, the median EV-to-FCF is 12.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bread Financial Holdings's current EV-to-FCF is 3.25, which is 32% below median its own 10-year median of 4.77. 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 $57.10, compared to a current price of $104.96 — trading 83.8% above its estimated fair value. The current EV-to-FCF is 3.25, which is 32% below median its 10-year median of 4.77 and 75% below the Credit Services industry median of 12.99. Bread Financial Holdings' overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Bread Financial Holdings (BFH), the current EV-to-FCF is 3.25 as of Jun. 25, 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 $104.96 is trading 83.8% above its estimated GF Value™ of $57.10.
GuruFocus considers Bread Financial Holdings to be Significantly Overvalued.
Key valuation signals for BFH:
EV-to-FCF: 3.25 (32% below median its 10-year median of 4.77)
GF Value™: $57.10 vs. price of $104.96 (83.8% above fair value)
Industry Position: 75% below the Credit Services median (#45 of 265)
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.
59GF Score
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