Last 48 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 7.47 | 6.40 | 7.63 | 4.51 | 15.95 | 3.52 | 4.86 | 4.50 | 109.04 | 303.44 | 4.20 | 3.45 | 9.47 | 2.51 | 8.26 | 0.83 | — | 2.92 | 38.60 | 3.34 | 61.64 |
| — | +81.7% | +57.1% | +0.2% | -85.4% | -98.8% | +15.5% | +30.6% | +1051.9% | +12002.3% | -49.1% | +313.0% | — | -14.2% | -78.6% | -75.0% | — | -35.1% | +916.3% | -14.2% | +4.3% | |
| P/S Ratio | 1.03 | 0.94 | 1.11 | 0.79 | 0.87 | 0.68 | 0.73 | 0.64 | 0.83 | 0.62 | 0.60 | 0.47 | 0.40 | 0.42 | 0.41 | 0.29 | 0.45 | 0.40 | 0.51 | 0.75 | 11.02 |
| — | +38.5% | +53.0% | +24.1% | +5.0% | +10.5% | +21.8% | +37.1% | +107.1% | +48.5% | +43.6% | +59.2% | -11.7% | +4.8% | -18.0% | -61.0% | -95.9% | -70.1% | -67.7% | -53.0% | +1565.0% | |
| P/B Ratio | 1.41 | 1.12 | 1.31 | 0.97 | 1.02 | 0.80 | 0.85 | 0.81 | 1.01 | 0.78 | 0.71 | 0.61 | 0.56 | 0.60 | 0.58 | 0.56 | 0.83 | 0.65 | 0.81 | 1.24 | 1.60 |
| — | +40.0% | +53.9% | +20.2% | +1.5% | +2.4% | +20.7% | +32.6% | +80.1% | +30.3% | +22.3% | +9.1% | -32.5% | -8.5% | -29.0% | -54.8% | -48.0% | -63.5% | -59.9% | -51.0% | -15.1% | |
| P/FCF | 1.88 | 1.60 | 2.07 | 1.66 | 1.50 | 1.11 | 1.28 | 1.58 | 1.61 | 1.26 | 1.19 | 1.08 | 0.69 | 0.69 | 1.15 | 0.98 | 0.97 | 0.66 | 2.07 | 1.47 | 2.69 |
| — | +44.1% | +61.4% | +5.1% | -6.7% | -11.9% | +7.2% | +46.8% | +134.4% | +81.9% | +3.8% | +9.7% | -29.7% | +5.3% | -44.5% | -33.3% | -63.7% | -70.5% | -61.4% | -33.2% | +42.0% | |
| EV / EBITDA | 6.52 | 3.61 | 4.66 | 3.38 | 15.89 | 3.11 | 4.01 | 3.89 | — | 14.35 | 3.62 | 3.22 | 20.74 | 2.58 | 6.10 | 1.04 | — | 4.49 | 33.56 | 5.15 | 151.18 |
| — | +16.1% | +16.5% | -13.2% | — | -78.4% | +10.7% | +21.0% | — | +457.0% | -40.7% | +209.6% | — | -42.6% | -81.8% | -79.8% | — | -11.8% | +670.3% | +30.1% | +2123.8% | |
| EV / EBIT | 7.99 | 3.61 | 5.09 | 3.64 | 22.31 | 3.41 | 4.49 | 4.31 | — | 22.25 | 4.08 | 3.61 | 48.39 | 2.84 | 8.58 | 1.09 | — | 5.18 | 96.49 | 5.51 | — |
| — | +5.8% | +13.4% | -15.4% | — | -84.7% | +10.0% | +19.3% | — | +683.2% | -52.4% | +229.9% | — | -45.2% | -91.1% | -80.1% | — | -28.7% | +1530.2% | +2.2% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 77.4% | 68.4% | 68.5% | 70.2% | 100.0% | 69.2% | 70.5% | 69.5% | 54.9% | 62.5% | 69.1% | 67.6% | 52.6% | 70.5% | 64.7% | 91.7% | 33.0% | 69.3% | 55.8% | 79.3% | 859.7% |
| — | -1.1% | -2.9% | +1.1% | +82.1% | +10.8% | +2.0% | +2.8% | +4.4% | -11.4% | +6.8% | -26.3% | +59.4% | +1.8% | +16.0% | +15.7% | -96.2% | +1.7% | -11.0% | +15.2% | +2253.5% | |
| Operating Margin | 16.0% | 20.6% | 19.8% | 23.9% | 4.8% | 20.2% | 18.7% | 20.3% | -2.9% | 4.1% | 19.2% | 19.0% | 1.8% | 21.8% | 9.0% | 49.3% | -20.1% | 19.1% | 1.8% | 32.4% | -17.0% |
| — | +1.8% | +5.9% | +17.5% | +265.1% | +396.1% | -2.3% | +7.1% | -264.9% | -81.4% | +112.2% | -61.5% | +108.8% | +14.3% | +416.1% | +52.2% | -18.8% | -62.1% | -97.5% | -55.3% | -170.8% | |
| Net Margin | 13.5% | 15.3% | 14.7% | 17.8% | 5.4% | 19.4% | 15.0% | 14.2% | 0.8% | 0.2% | 14.2% | 13.5% | 4.2% | 16.6% | 5.0% | 35.1% | -13.0% | 13.5% | 1.3% | 22.5% | 23.3% |
| — | -20.8% | -1.7% | +25.0% | +618.3% | +9414.3% | +5.6% | +5.2% | -82.1% | -98.8% | +180.9% | -61.5% | +132.6% | +22.5% | +284.0% | +56.1% | -155.6% | -54.1% | -96.8% | -45.3% | +1999.0% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 16.2% | 4.6% | 4.4% | 5.4% | 1.6% | 5.8% | 4.5% | 4.5% | 0.2% | 0.1% | 4.3% | 4.5% | 1.5% | 6.1% | 1.8% | 18.3% | -5.7% | 5.7% | 0.5% | 9.6% | 0.8% |
| — | -20.9% | -2.1% | +20.7% | +602.2% | +9004.9% | +4.0% | +0.1% | -84.7% | -99.0% | +143.6% | -75.3% | +125.9% | +6.5% | +233.3% | +89.4% | -807.1% | -45.0% | -96.3% | -44.6% | -3.7% | |
| ROA | 2.3% | 0.7% | 0.7% | 0.8% | 0.2% | 0.9% | 0.6% | 0.6% | 0.0% | 0.0% | 0.6% | 0.6% | 0.2% | 0.8% | 0.2% | 1.9% | -0.6% | 0.6% | 0.1% | 1.0% | 0.1% |
| — | -21.0% | +3.7% | +32.1% | +660.8% | +9391.2% | +5.1% | +3.4% | -83.7% | -98.9% | +171.7% | -69.3% | +134.0% | +29.3% | +292.7% | +95.2% | -807.3% | -39.8% | -95.6% | -24.8% | +45.5% | |
| ROIC | 5.6% | 2.4% | 2.1% | 2.4% | 0.5% | 2.0% | 1.7% | 1.7% | -0.2% | 0.4% | 1.7% | 1.8% | 0.2% | 2.3% | 0.9% | 5.3% | -1.7% | 1.6% | 0.1% | 2.4% | -0.1% |
| — | +16.9% | +26.8% | +39.3% | +292.9% | +428.0% | -3.2% | -0.7% | -241.0% | -83.5% | +101.6% | -66.9% | +110.5% | +47.9% | +570.9% | +119.6% | -1593.1% | -46.5% | -96.7% | -39.4% | -104.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.32 | 0.91 | 0.98 | 1.19 | 1.32 | 1.14 | 1.34 | 1.67 | 1.86 | 1.47 | 1.50 | 1.53 | 1.86 | 1.47 | 1.72 | 1.80 | 3.59 | 2.47 | 3.27 | 2.99 | 3.63 |
| — | -20.1% | -26.9% | -29.0% | -29.1% | -22.5% | -11.0% | +8.8% | -0.1% | -0.1% | -12.7% | -14.7% | -48.1% | -40.4% | -47.5% | -39.8% | -1.2% | -26.9% | -12.4% | -23.7% | -36.4% | |
| Debt / EBITDA | 6.33 | 15.00 | 15.28 | 15.04 | 66.56 | 17.61 | 21.68 | 23.49 | — | 73.94 | 23.42 | 22.05 | 129.52 | 17.03 | 38.83 | 7.27 | — | 27.21 | 161.67 | 20.98 | 583.00 |
| — | -14.9% | -29.5% | -36.0% | — | -76.2% | -7.4% | +6.5% | — | +334.2% | -39.7% | +203.4% | — | -37.4% | -76.0% | -65.4% | — | +48.5% | +967.6% | +63.0% | +2059.9% | |
| Current Ratio | 0.27 | 0.27 | — | 0.26 | 0.27 | 0.29 | 0.30 | 0.33 | 0.29 | 0.28 | 0.33 | 0.30 | 0.27 | 0.26 | 0.26 | 0.28 | 0.29 | 0.30 | 0.29 | 0.30 | 0.28 |
| — | -6.0% | — | -22.8% | -6.9% | +2.9% | -8.5% | +12.5% | +5.9% | +10.1% | +26.3% | +6.9% | -4.5% | -13.4% | -12.3% | -6.4% | +1.8% | -80.2% | -83.6% | -82.6% | +4.6% | |
| Quick Ratio | 0.27 | 0.27 | — | 0.26 | 0.27 | 0.29 | 0.30 | 0.33 | 0.29 | 0.28 | 0.33 | 0.30 | 0.27 | 0.26 | 0.26 | 0.28 | 0.29 | 0.30 | 0.29 | 0.30 | 0.28 |
| — | -6.0% | — | -22.8% | -6.9% | +2.9% | -8.5% | +12.5% | +5.9% | +10.1% | +26.3% | +6.9% | -4.5% | -13.4% | -12.3% | -6.4% | +1.8% | -80.2% | -83.6% | -82.6% | +4.6% | |
| Interest Coverage | 0.72 | 1.05 | 1.01 | 1.26 | 0.24 | 0.93 | 0.79 | 0.88 | -0.12 | 0.17 | 0.75 | 0.76 | 0.08 | 1.03 | 0.42 | 2.93 | -1.07 | 1.42 | 0.17 | 3.82 | -0.15 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying BFH stock.
Bread Financial Holdings, Inc.'s current P/E is 7.5x. The average P/E over the last 4 quarters is 8.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Bread Financial Holdings, Inc.'s current operating margin is 16.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Bread Financial Holdings, Inc.'s business trajectory between earnings reports.