BFH PEER ANALYSIS

Bread Financial Holdings, Inc. — metric-by-metric comparison with peers and the industry median

BFHBread Financial Holdings, Inc.

🇺🇸 USA · NYSE · Financial Services · Credit Services

Value it Duel

Overall Profile & Returns

· Credit Services

Position Within Industry

0 = weak quartile, 100 = strong quartile

BFHIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	BFH	ZIP	KTLEV	QNBFK	DSTKF	GSY	Ind. Median
P/E	7.97●	38.43	113.12	157.13	—	—	16.27
P/B	1.34	6.32	24.04	12.49	93.93	0.94●	2.03
EV/EBITDA	6.47	34.44	—	—	—	6.34●	15.78
P/S	—	—	—	—	—	—	—

Financial Health
Metric	BFH	ZIP	KTLEV	QNBFK	DSTKF	GSY	Ind. Median
Current Ratio	0.26	788.09●	—	—	—	—	1.20
Debt/Equity	118.5%	383.4%	0.0%●	0.0%●	0.0%●	599.1%	116.1%
NetDebt/EBITDA	0.41●	11.13	—	—	—	5.42	2.39

Profitability
Metric	BFH	ZIP	KTLEV	QNBFK	DSTKF	GSY	Ind. Median
Net Margin	11.9%●	8.9%	—	—	—	-15.8%	10.0%
ROE	17.6%	15.9%	32.2%●	8.9%	10.6%	-27.7%	13.4%
ROA	2.5%	2.9%●	—	—	—	-4.9%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	BFH	ZIP	KTLEV	QNBFK	DSTKF	GSY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	100.4%	—	—	—	—	—	19.9%
Div. Yield	0.8%	—	—	—	—	9.4%●	1.2%
Payout	7.8%	—	—	—	—	-33.6%	16.3%

Valuation
Metric	BFH	NNI	SLM	UPST	ENVA	SEZL	Ind. Median
P/E	7.97	11.79	6.75●	67.34	18.94	42.18	16.27
P/B	1.34	1.30●	2.07	4.54	4.41	31.79	2.03
EV/EBITDA	6.47	15.78	5.45●	59.49	17.00	32.43	15.78
P/S	—	—	—	—	—	—	—

Financial Health
Metric	BFH	NNI	SLM	UPST	ENVA	SEZL	Ind. Median
Current Ratio	0.26	—	13.93●	4.03	0.23	3.65	1.20
Debt/Equity	118.5%	206.3%	253.1%	269.8%	347.0%	73.8%●	116.1%
NetDebt/EBITDA	0.41	9.63	0.42	14.24	7.40	0.13●	2.39

Profitability
Metric	BFH	NNI	SLM	UPST	ENVA	SEZL	Ind. Median
Net Margin	11.9%	19.5%	24.3%	4.2%	10.0%	30.8%●	10.0%
ROE	17.6%	11.7%	30.9%	7.0%	25.1%	92.0%●	13.4%
ROA	2.5%	2.9%	2.6%	1.9%	5.3%	39.4%●	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	BFH	NNI	SLM	UPST	ENVA	SEZL	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	100.4%	115.9%●	20.1%	—	39.6%	39.0%	19.9%
Div. Yield	0.8%	0.9%	2.0%●	—	—	—	1.2%
Payout	7.8%	10.7%	93.2%	—	—	—	16.3%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.