Bread Financial Holdings (LTS:0HCR) EPS (Basic): $12.48 (TTM As of Mar. 2026)

What is Bread Financial Holdings EPS (Basic)?

Bread Financial Holdings LTS:0HCR +1.52% 64 EPS (Basic) is $12.48 as of Mar. 2026. GuruFocus rates LTS:0HCR with a GF Score™ of 64/100 and a GF Value™ of $57.25 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Bread Financial Holdings's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was $4.19. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was $12.48.

Bread Financial Holdings's EPS (Diluted) for the three months ended in Mar. 2026 was $4.15. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $12.29.

Bread Financial Holdings's EPS without NRI for the three months ended in Mar. 2026 was $4.15. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was 12.54.

During the past 12 months, Bread Financial Holdings's average EPS without NRIGrowth Rate was 67.20% per year. During the past 3 years, the average EPS without NRI Growth Rate was 40.00% per year. During the past 5 years, the average EPS without NRI Growth Rate was 0.50% per year. During the past 10 years, the average EPS without NRI Growth Rate was -7.00% 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 EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, Bread Financial Holdings's highest 3-Year average EPS without NRI Growth Rate was 81.10% per year. The lowest was -57.90% per year. And the median was 17.70% per year.

Bread Financial Holdings (LTS:0HCR) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Bread Financial Holdings EPS (Basic) Related Terms

Bread Financial Holdings EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Bread Financial Holdings's EPS (Basic) 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 EPS (Basic) Chart

Bread Financial Holdings Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

EPS (Basic)

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16.09

4.47

14.39

5.58

11.07

Bread Financial Holdings Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
EPS (Basic)	Get a 7-Day Free Trial															2.81	2.97	4.04	1.28	4.19

64GF Score

Bread Financial Holdings Inc LTS:0HCR

EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.

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Bread Financial Holdings EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Bread Financial Holdings's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )	=	(Net Income	-	Preferred Dividends)	/	Shares Outstanding (Basic Average)
	=	(518	-	0)	/	46.800
	=	11.07

Bread Financial Holdings's Basic EPS for the quarter that ended in Mar. 2026 is calculated as

Basic EPS (Q: Mar. 2026 )	=	(Net Income	-	Preferred Dividends)	/	Shares Outstanding (Basic Average)
	=	(181	-	2)	/	42.800
	=	4.18

EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $12.48

Frequently Asked Questions Learn more about EPS (Basic) →

What does a EPS (Basic) of $12.48 mean?

Bread Financial Holdings (LTS:0HCR) has a EPS (Basic) of $12.48 as of Mar. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Bread Financial Holdings and its competitors.

Is Bread Financial Holdings' EPS (Basic) too high?

Bread Financial Holdings' current EPS (Basic) is $12.48. Overall, Bread Financial Holdings has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Bread Financial Holdings' EPS (Basic) compare to UPST and SEZL?

Bread Financial Holdings' EPS (Basic) of $12.48 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 EPS (Basic) for a Credit Services company?

A good EPS (Basic) depends on the Credit Services industry context. However, EPS (Basic) 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 EPS (Basic) mean?

A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Bread Financial Holdings and its competitors. Bread Financial Holdings's current EPS (Basic) is $12.48. 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 (LTS:0HCR) is currently considered Significantly Overvalued. The stock's GF Value™ is $57.25, compared to a current price of $105.19 — trading 83.7% above its estimated fair value. The current EPS (Basic) is $12.48. Bread Financial Holdings' overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is EPS (Basic) calculated?

EPS (Basic) is calculated from a company's financial statements. For Bread Financial Holdings (LTS:0HCR), the current EPS (Basic) is $12.48 as of Mar. 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 (LTS:0HCR) Overvalued in 2026?

Based on GuruFocus' analysis, Bread Financial Holdings stock appears to be overvalued. The current stock price of $105.19 is trading 83.7% above its estimated GF Value™ of $57.25. GuruFocus considers Bread Financial Holdings to be Significantly Overvalued.

Key valuation signals for LTS:0HCR:

EPS (Basic): $12.48
GF Value™: $57.25 vs. price of $105.19 (83.7% above fair value)
GF Score™: 64/100 with 5 warning signs

No single metric tells the full story. See the LTS:0HCR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bread Financial Holdings Business Description

Industry Financial Services Credit Services

Comparable Companies UPST SEZL ENVA SLM WU NNI QFIN EZPW AGM.A ECPG V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges BFH:USA LID:Germany A1LL34:Brazil

Address 3095 Loyalty Circle, Columbus, OH, USA, 43219

Website https://www.breadfinancial.com

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.

64GF Score

Get the complete analysis for LTS:0HCR

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$105.19

Price

$57.25

GF Value

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