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Bread Financial HoldingsSTU:LID +0.59%69 Buyback Yield % is 9.24 as of Jul. 14, 2026, which is 38% above its 10-year median of 6.71. GuruFocus rates STU:LID with a GF Score™ of 69/100 and a GF Value™ of €50.26 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 177 Credit Services companies, Bread Financial Holdings ranks better than 93.22% on this metric.
Buyback yield is the net repurchase of shares outstanding over the market capital of the company. It is a measure of shareholder return.
* 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.
STU:LID vs SLM, NNI, UPST: Buyback Yield % Comparison
For the Credit Services subindustry, Bread Financial Holdings's Buyback Yield %, along with its competitors' market caps and Buyback Yield % 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 Buyback Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Bread Financial Holdings's Buyback Yield % distribution charts can be found below:
* The bar in red indicates where Bread Financial Holdings's Buyback Yield % falls into.
* 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.
Bread Financial Holdings (STU:LID) has a Buyback Yield % of 9.24 as of Jul. 14, 2026. Share buyback yield equals the net issuance of stock divided by market cap. View historical data on Bread Financial Holdings and its competitors. This is 38% above median its historical median of 6.71. According to the industry distribution chart, Bread Financial Holdings ranks #12 out of 177 companies in the Credit Services industry, placing it in the top 6.8%.
Is Bread Financial Holdings' Buyback Yield % too high?
Bread Financial Holdings' current Buyback Yield % of 9.24 is 38% above median its 10-year median of 6.71. Based on the distribution chart, Bread Financial Holdings ranks #12 out of 177 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Bread Financial Holdings has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bread Financial Holdings' Buyback Yield % compare to SLM and NNI?
According to the Credit Services industry distribution chart, Bread Financial Holdings ranks #12 out of 177 companies for Buyback Yield %. This places Bread Financial Holdings in the top 7% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Buyback Yield % for a Credit Services company?
A good Buyback Yield % depends on the Credit Services industry context. However, Buyback Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Buyback Yield % mean?
A high Buyback Yield % can signal that a stock is expensive relative to its fundamentals. Share buyback yield equals the net issuance of stock divided by market cap. View historical data on Bread Financial Holdings and its competitors. Bread Financial Holdings's current Buyback Yield % is 9.24, which is 38% above median its own 10-year median of 6.71. 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 (STU:LID) is currently considered Significantly Overvalued. The stock's GF Value™ is €50.26, compared to a current price of €85.00 — trading 69.1% above its estimated fair value. The current Buyback Yield % is 9.24, which is 38% above median its 10-year median of 6.71. Bread Financial Holdings' overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Buyback Yield % calculated?
Buyback Yield % is calculated from a company's financial statements. For Bread Financial Holdings (STU:LID), the current Buyback Yield % is 9.24 as of Jul. 14, 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 (STU:LID) Overvalued in 2026?
Based on GuruFocus' analysis, Bread Financial Holdings stock appears to be overvalued.
The current stock price of €85.00 is trading 69.1% above its estimated GF Value™ of €50.26.
GuruFocus considers Bread Financial Holdings to be Significantly Overvalued.
Key valuation signals for STU:LID:
Buyback Yield %: 9.24 (38% above median its 10-year median of 6.71)
GF Value™: €50.26 vs. price of €85.00 (69.1% above fair value)
No single metric tells the full story. See the STU:LID 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.
69GF Score
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