Bread Financial HoldingsBFH -0.10%59 PB Ratio is 1.30 as of Jun. 25, 2026, which is 19% below its 10-year median of 1.61. 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 523 Credit Services companies, Bread Financial Holdings ranks worse than 58.13% on this metric.
Bread Financial Holdings Inc stock PB Ratio (=1.3) is close to 3-year high of 1.3.
The historical rank and industry rank for Bread Financial Holdings's PB Ratio or its related term are showing as below:
BFH'
s PB Ratio Range Over the Past 10 Years
Min: 0.46 Med: 1.61 Max: 8.53
Current: 1.3
During the past 13 years, Bread Financial Holdings's highest PB Ratio was 8.53. The lowest was 0.46. And the median was 1.61.
BFH's PB Ratio is ranked worse than 58.13% of 523
companies
in the Credit Services industry
Industry Median: 1.06
vs BFH: 1.30
During the past 12 months, Bread Financial Holdings's average Book Value Per Share Growth Rate was 24.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 18.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 18.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 8.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Bread Financial Holdings was 232.90% per year. The lowest was -69.10% per year. And the median was 15.10% per year.
Back to Basics: PB Ratio
Bread Financial Holdings (NYSE:BFH) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Bread Financial Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Bread Financial Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Bread Financial Holdings (BFH) has a PB Ratio of 1.30 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bread Financial Holdings and its competitors. This is 19% below median its historical median of 1.61. Over the past decade, Bread Financial Holdings' PB Ratio has ranged from 0.46 to 8.53. According to the industry distribution chart, Bread Financial Holdings ranks #304 out of 523 companies in the Credit Services industry, placing it in the top 58.1%.
Is Bread Financial Holdings' PB Ratio too high?
Bread Financial Holdings' current PB Ratio of 1.30 is 19% below median its 10-year median of 1.61. Over the past 10 years, this metric has ranged from a low of 0.46 to a high of 8.53. The Credit Services industry median PB Ratio is 1.06. Bread Financial Holdings' value of 1.30 is 22.6% above this industry median. Based on the distribution chart, Bread Financial Holdings ranks #304 out of 523 companies in the Credit Services industry, which is below the industry midpoint. 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' PB Ratio compare to UPST and SEZL?
According to the Credit Services industry distribution chart, Bread Financial Holdings ranks #304 out of 523 companies for PB Ratio. This places Bread Financial Holdings in the lower half of its industry. The industry median PB Ratio is 1.06. Bread Financial Holdings' value of 1.30 is 22.6% above this benchmark. Historically, Bread Financial Holdings' own PB Ratio has ranged from 0.46 to 8.53 over the past decade. While the company's 10-year median is 1.61 vs. the industry median of 1.06, Bread Financial Holdings has consistently been above 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bread Financial Holdings's current PB Ratio of 1.30 is 22.6% above 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bread Financial Holdings and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bread Financial Holdings's current PB Ratio is 1.30, which is 19% below median its own 10-year median of 1.61. 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 $104.80 — trading 83.5% above its estimated fair value. The current PB Ratio is 1.30, which is 19% below median its 10-year median of 1.61 and 22.6% above the Credit Services industry median of 1.06. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Bread Financial Holdings (BFH), the current PB Ratio is 1.30 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 $104.80 is trading 83.5% above its estimated GF Value™ of $57.10.
GuruFocus considers Bread Financial Holdings to be Significantly Overvalued.
Key valuation signals for BFH:
PB Ratio: 1.30 (19% below median its 10-year median of 1.61)
GF Value™: $57.10 vs. price of $104.80 (83.5% above fair value)
Industry Position: 22.6% above the Credit Services median (#304 of 523)
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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