Bread Financial Holdings (MEX:BFH) Cyclically Adjusted FCF per Share: MXN0.00 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

MEX:BFH Bread Financial Holdings Inc MEX:BFH
65 GF Score
Price MXN1,156.00
GF Value MXN716.40
! 6 Warning Signs
View Full Analysis

What is Bread Financial Holdings Cyclically Adjusted FCF per Share?

Bread Financial Holdings MEX:BFH 65 Cyclically Adjusted FCF per Share is MXN0.00 as of Jun. 2026. GuruFocus rates MEX:BFH with a GF Score™ of 65/100 and a GF Value™ of MXN716.40. The stock has 6 warning signs investors should review.

Note: As Cyclically Adjusted FCF per Share is a main component used to calculate Cyclically Adjusted Price-to-FCF. If the month end stock price for this stock is zero, result may not be accurate due to the exchange rate between different shares and the data will not be stored into our database. Selected historical data showed in the calculation section below is only for demostration purpose.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Bread Financial Holdings's adjusted free cash flow per share for the three months ended in Jun. 2026 was MXN225.189. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is MXN0.00 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Bread Financial Holdings's average Cyclically Adjusted FCF Growth Rate was 5.90% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 6.90% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 8.70% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 12.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Bread Financial Holdings was 32.90% per year. The lowest was 6.90% per year. And the median was 18.95% per year.

As of today (2026-09-20), Bread Financial Holdings's current stock price is MXN1156.00. Bread Financial Holdings's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was MXN0.00. Bread Financial Holdings's Cyclically Adjusted Price-to-FCF of today is .

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Bread Financial Holdings was 12.72. The lowest was 0.69. And the median was 2.00.


Bread Financial Holdings  (MEX:BFH) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Bread Financial Holdings was 12.72. The lowest was 0.69. And the median was 2.00.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Bread Financial Holdings Cyclically Adjusted FCF per Share Related Terms


Bread Financial Holdings Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Bread Financial Holdings's Cyclically Adjusted FCF per Share 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.

Bread Financial Holdings Cyclically Adjusted FCF per Share Chart

Bread Financial Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 723.17 1,428.90 1,793.37 780.95 676.45

Bread Financial Holdings Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial 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 871.05 905.81 676.45 690.76 0.00

MEX:BFH vs SEZL, NNI, SLM: Cyclically Adjusted FCF per Share Comparison

For the Credit Services subindustry, Bread Financial Holdings's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Bread Financial Holdings's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Bread Financial Holdings's Cyclically Adjusted Price-to-FCF falls into.


MEX:BFH
65GF Score
Bread Financial Holdings Inc MEX:BFH
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bread Financial Holdings Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Bread Financial Holdings's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=225.189/333.9520*333.9520
=225.189

Current CPI (Jun. 2026) = 333.9520.

Bread Financial Holdings Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 181.833 241.428 251.518
201612 257.250 241.432 355.832
201703 141.301 243.801 193.550
201706 155.590 244.955 212.119
201709 220.779 246.819 298.719
201712 279.580 246.524 378.731
201803 197.397 249.554 264.156
201806 219.230 251.989 290.538
201809 222.011 252.439 293.699
201812 245.981 251.233 326.971
201903 208.601 254.202 274.045
201906 155.351 256.143 202.542
201909 161.971 256.759 210.667
201912 -133.575 256.974 -173.588
202003 273.707 258.115 354.125
202006 234.499 257.797 303.772
202009 189.160 260.280 242.702
202012 155.158 260.474 198.927
202103 207.283 264.877 261.339
202106 76.837 271.696 94.443
202109 185.469 274.310 225.795
202112 127.187 278.802 152.346
202203 197.915 287.504 229.889
202206 98.390 296.311 110.889
202209 245.089 296.808 275.761
202212 193.790 296.797 218.050
202303 143.193 301.836 158.429
202306 116.906 305.109 127.958
202309 218.692 307.789 237.281
202312 212.006 306.746 230.809
202403 149.266 312.332 159.598
202406 174.077 314.175 185.035
202409 176.054 315.301 186.468
202412 197.039 315.605 208.493
202503 162.098 319.799 169.272
202506 209.834 322.561 217.244
202509 233.647 324.800 240.231
202512 221.849 324.054 228.625
202603 203.285 330.213 205.587
202606 225.189 333.952 225.189

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of MXN0.00 mean?
Bread Financial Holdings (MEX:BFH) has a Cyclically Adjusted FCF per Share of MXN0.00 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Bread Financial Holdings and its competitors.
Is Bread Financial Holdings' Cyclically Adjusted FCF per Share too high?
Bread Financial Holdings' current Cyclically Adjusted FCF per Share is MXN0.00. Overall, Bread Financial Holdings has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Bread Financial Holdings' Cyclically Adjusted FCF per Share compare to SEZL and NNI?
Bread Financial Holdings' Cyclically Adjusted FCF per Share of MXN0.00 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Credit Services company?
A good Cyclically Adjusted FCF per Share depends on the Credit Services industry context. However, Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Bread Financial Holdings and its competitors. Bread Financial Holdings's current Cyclically Adjusted FCF per Share is MXN0.00. 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?
Bread Financial Holdings (MEX:BFH) has a current Cyclically Adjusted FCF per Share of MXN0.00. The stock's GF Value™ is MXN716.40, compared to a current price of MXN1,156.00 — trading 61.4% above its estimated fair value. The current Cyclically Adjusted FCF per Share is MXN0.00. Bread Financial Holdings' overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Bread Financial Holdings (MEX:BFH), the current Cyclically Adjusted FCF per Share is MXN0.00 as of Jun. 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 (MEX:BFH) Overvalued in 2026?

Based on GuruFocus' analysis, Bread Financial Holdings stock appears to be overvalued. The current stock price of MXN1,156.00 is trading 61.4% above its estimated GF Value™ of MXN716.40.

Key valuation signals for MEX:BFH:

  • Cyclically Adjusted FCF per Share: MXN0.00
  • GF Value™: MXN716.40 vs. price of MXN1,156.00 (61.4% above fair value)
  • GF Score™: 65/100 with 6 warning signs

No single metric tells the full story. See the MEX:BFH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bread Financial Holdings Business Description

Address 3095 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 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.
65GF Score

Get the complete analysis for MEX:BFH

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN1,156.00
Price
MXN716.40
GF Value