Last 47 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Bread Financial Holdings, Inc.'s quarterly P/E stands at 3.5x, down 98.8% year-over-year — suggesting improving earnings relative to price.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.88 | 3.52 | 4.86 | 4.50 | 109.04 | 303.44 | 4.20 | 3.45 | 9.47 | 2.51 | 8.26 | 0.83 | — |
| — | -98.8% | +15.5% | +30.6% | +1051.9% | +12002.3% | -49.1% | +313.0% | — | -14.2% | -78.6% | -75.0% | — | |
| P/S Ratio | 0.64 | 0.56 | 0.59 | 0.52 | 0.67 | 0.50 | 0.47 | 0.37 | 0.33 | 0.34 | 0.34 | 0.25 | 0.38 |
| — | +13.1% | +23.8% | +39.2% | +104.5% | +44.7% | +38.9% | +48.8% | -14.9% | -1.9% | -25.5% | -63.8% | -96.5% | |
| P/B Ratio | 1.17 | 0.80 | 0.85 | 0.81 | 1.01 | 0.78 | 0.71 | 0.61 | 0.56 | 0.60 | 0.58 | 0.56 | 0.83 |
| — | +2.4% | +20.7% | +32.6% | +80.1% | +30.3% | +22.3% | +9.1% | -32.5% | -8.5% | -29.0% | -54.8% | -48.0% | |
| P/FCF | 1.64 | 1.11 | 1.28 | 1.58 | 1.61 | 1.26 | 1.19 | 1.08 | 0.66 | 0.69 | 1.15 | 0.98 | 0.97 |
| — | -11.9% | +7.2% | +46.8% | +142.6% | +81.9% | +3.8% | +9.7% | -32.1% | +5.3% | -44.5% | -33.3% | -63.7% | |
| EV / EBITDA | 10.75 | -1.30 | 4.01 | 3.89 | — | 14.35 | 3.62 | 3.22 | 20.74 | 2.58 | 6.10 | 1.04 | — |
| — | -109.0% | +10.7% | +21.0% | — | +457.0% | -40.7% | +209.6% | — | -42.6% | -81.8% | -79.8% | — | |
| EV / EBIT | 13.28 | -1.42 | 4.49 | 4.31 | — | 22.25 | 4.08 | 3.61 | 48.39 | 2.84 | 8.58 | 1.09 | — |
| — | -106.4% | +10.0% | +19.3% | — | +683.2% | -52.4% | +229.9% | — | -45.2% | -91.1% | -80.1% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Bread Financial Holdings, Inc.'s operating margin was 16.6% in Q3 2025, up 1.5 pp QoQ and up 13.3 pp YoY. The trailing four-quarter average of 11.5% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 13.3% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 50.9% | 56.9% | 57.0% | 56.4% | 43.9% | 50.2% | 55.0% | 54.1% | 42.6% | 58.2% | 53.2% | 78.5% | 27.8% |
| — | +13.3% | +3.6% | +4.3% | +3.1% | -13.7% | +3.3% | -31.1% | +53.5% | -4.8% | +5.3% | +7.4% | -96.8% | |
| Operating Margin | 7.9% | 16.6% | 15.1% | 16.5% | -2.3% | 3.3% | 15.3% | 15.2% | 1.4% | 18.0% | 7.4% | 42.2% | -16.9% |
| — | +407.4% | -0.7% | +8.6% | -262.8% | -81.8% | +105.2% | -64.0% | +108.5% | +7.0% | +368.8% | +41.3% | +0.1% | |
| Net Margin | 5.8% | 15.9% | 12.1% | 11.5% | 0.6% | 0.2% | 11.3% | 10.8% | 3.4% | 13.7% | 4.1% | 30.1% | -10.9% |
| — | +9636.2% | +7.3% | +6.8% | -82.3% | -98.8% | +171.7% | -64.0% | +131.4% | +14.6% | +248.8% | +44.9% | -146.8% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.3% | 5.8% | 4.5% | 4.5% | 0.2% | 0.1% | 4.3% | 4.5% | 1.5% | 6.1% | 1.8% | 18.3% | -5.7% |
| — | +9004.9% | +4.0% | +0.1% | -84.7% | -99.0% | +143.6% | -75.3% | +125.9% | +6.5% | +233.3% | +89.4% | -807.1% | |
| ROA | 1.2% | 0.9% | 0.6% | 0.6% | 0.0% | 0.0% | 0.6% | 0.6% | 0.2% | 0.8% | 0.2% | 1.9% | -0.6% |
| — | +9391.2% | +5.1% | +3.4% | -83.7% | -98.9% | +171.7% | -69.3% | +134.0% | +29.3% | +292.7% | +95.2% | -807.3% | |
| ROIC | 3.3% | 2.0% | 1.7% | 1.7% | -0.2% | 0.4% | 1.7% | 1.8% | 0.2% | 2.3% | 0.9% | 5.3% | -1.7% |
| — | +428.0% | -3.2% | -0.7% | -241.0% | -83.5% | +101.6% | -66.9% | +110.5% | +47.9% | +570.9% | +119.6% | -1591.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Bread Financial Holdings, Inc.'s Debt/EBITDA ratio is 17.6x, down from 21.7x last quarter — elevated, raising questions about debt serviceability. Debt/Equity has declined for 4 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.86 | 1.14 | 1.34 | 1.67 | 1.86 | 1.47 | 1.50 | 1.53 | 1.86 | 1.47 | 1.72 | 1.80 | 3.59 |
| — | -22.5% | -11.0% | +8.8% | -0.1% | -0.1% | -12.7% | -14.7% | -48.1% | -40.4% | -47.5% | -39.8% | -1.1% | |
| Debt / EBITDA | 12.07 | 17.61 | 21.68 | 23.49 | — | 73.94 | 23.42 | 22.05 | 129.52 | 17.03 | 38.83 | 7.27 | — |
| — | -76.2% | -7.4% | +6.5% | — | +334.2% | -39.7% | +203.4% | — | -37.4% | -76.0% | -65.4% | — | |
| Current Ratio | 0.29 | — | 0.30 | 0.32 | 0.29 | 0.28 | 0.33 | — | 13.15 | 0.26 | 0.26 | — | 0.29 |
| — | — | -8.5% | — | -97.8% | +10.1% | +26.3% | — | +4504.1% | — | -12.3% | — | -83.1% | |
| Quick Ratio | 0.29 | — | 0.30 | 0.32 | 0.29 | 0.28 | 0.33 | — | 13.15 | 0.26 | 0.26 | — | 0.29 |
| — | — | -8.5% | — | -97.8% | +10.1% | +26.3% | — | +4504.1% | — | -12.3% | — | -83.1% | |
| Interest Coverage | 0.40 | 0.93 | 0.79 | 0.88 | -0.12 | 0.17 | 0.75 | 0.76 | 0.08 | 1.03 | 0.42 | 2.93 | -1.07 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorSee our Bear / Base / Bull DCF models and intrinsic value estimates.
View ValuationCompare performance and metrics against top competitors.
Start ComparisonBread Financial Holdings, Inc.'s current P/E is 12.9x. The average P/E over the last 4 quarters is 30.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Bread Financial Holdings, Inc.'s current operating margin is 7.9%. 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.