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Bread Financial Holdings (Bread Financial Holdings) PEG Ratio

: 0.29 (As of Today)
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PE Ratio without NRI / 5-Year Book Value Growth Rate*

PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use for banks is the 5-Year Book Value growth rate. As of today, Bread Financial Holdings's PE Ratio without NRI is 2.34. Bread Financial Holdings's 5-Year Book Value growth rate is 8.20%. Therefore, Bread Financial Holdings's PEG Ratio for today is 0.29.

* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.


The historical rank and industry rank for Bread Financial Holdings's PEG Ratio or its related term are showing as below:

BFH' s PEG Ratio Range Over the Past 10 Years
Min: 0.12   Med: 0.55   Max: 15.32
Current: 0.29


During the past 13 years, Bread Financial Holdings's highest PEG Ratio was 15.32. The lowest was 0.12. And the median was 0.55.


BFH's PEG Ratio is ranked better than
85.51% of 207 companies
in the Credit Services industry
Industry Median: 1.16 vs BFH: 0.29

Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.


Bread Financial Holdings PEG Ratio Historical Data

The historical data trend for Bread Financial Holdings's PEG Ratio can be seen below:

* 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.

* Premium members only.

Bread Financial Holdings Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PEG Ratio
Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.82 13.67 0.97 2.17 0.19

Bread Financial Holdings Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
PEG Ratio Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.17 0.62 0.44 0.34 0.19

Competitive Comparison

For the Credit Services subindustry, Bread Financial Holdings's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio Distribution

For the Credit Services industry and Financial Services sector, Bread Financial Holdings's PEG Ratio distribution charts can be found below:

* The bar in red indicates where Bread Financial Holdings's PEG Ratio falls into.



Bread Financial Holdings PEG Ratio Calculation

PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The ratio we use is the 5-Year Book Value growth rate.

Bread Financial Holdings's PEG Ratio for today is calculated as

PEG Ratio=PE Ratio without NRI/5-Year Book Value Growth Rate*
=2.3376271186441/8.20
=0.29

* 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.

* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.


Bread Financial Holdings  (NYSE:BFH) PEG Ratio Explanation

To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.


Bread Financial Holdings PEG Ratio Related Terms

Thank you for viewing the detailed overview of Bread Financial Holdings's PEG Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Bread Financial Holdings (Bread Financial Holdings) Business Description

Traded in Other Exchanges
Address
3075 Loyalty Circle, Columbus, OH, USA, 43219
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 minority interest in its recently spun-off LoyaltyOne division, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.
Executives
Turtle Creek Asset Management Inc. 10 percent owner SCOTIA PLAZA, 40 KING STREET WEST, SUITE 5100, TORONTO A6 M5H 3Y2
Roger H Ballou director C/O CDI CORP, 1717 ARCH ST 35TH FL, PHILADELPHIA PA 19103
Clair Joyce St director 50 S LA SALLE ST, CHICAGO IL 60603
Valerie E Greer officer: EVP, Chief Comm'l Off'r, Card 7500 DALLAS PARKWAY, SUITE 700, PLANO TX 75024
Perry S Beberman officer: EVP, Chief Financial Officer 7500 DALLAS PARKWAY, SUITE 700, PLANO TX 75024
Ralph J Andretta director, officer: President and CEO 7500 DALLAS PARKWAY, SUITE 700, PLANO TX 75024
Timothy J Theriault director 50 LA SALLE STREET, CHICAGO IL 60675
John C Gerspach director C/O CORPORATE LAW DEP'T, CITIGOUP INC., 388 GREENWICH STREET, 17TH FLOOR, NEW YORK NY 10013
Jonathan Bryan Campbell officer: SVP, Chief Acctg. Officer 7500 DALLAS PARKWAY, SUITE 700, PLANO TX 75024
Laurie Anne Tucker director 65 MARYS CREEK COVE NORTH, EADS TN 38028
Rajesh Natarajan director 7500 DALLAS PARKWAY, SUITE 700, PLANO TX 75024
Sharen J Turney director THREE LIMITED PARKWAY, COLUMBUS OH 43230
Karin Kimbrough director C/O FANNIE MAE, 1100 15TH STREET NW, WASHINGTON DC 20005
Charles L Horn officer: EVP & Senior Advisor BUILDERS FIRSTSOURCE INC., 2001 BRYAN STREET, SUITE 1600, DALLAS TX 75201
Laura Santillan officer: SVP, Chief Acctg. Officer 17655 WATERVIEW PARKWAY, DALLAS TX 75252