Bread Financial HoldingsLTS:0HCR +3.03%64 FCF Yield % is 49.76 as of Jun. 30, 2026, which is 3% below its 10-year median of 51.27. GuruFocus rates LTS:0HCR with a GF Score™ of 64/100 and a GF Value™ of $56.81 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 540 Credit Services companies, Bread Financial Holdings ranks better than 90.56% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Bread Financial Holdings FCF Yield % Related Terms
Bread Financial Holdings FCF Yield % Historical Data
* 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.
LTS:0HCR vs SLM, NNI, UPST: FCF Yield % Comparison
For the Credit Services subindustry, Bread Financial Holdings's FCF Yield %, along with its competitors' market caps and FCF 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 FCF Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Bread Financial Holdings's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Bread Financial Holdings's FCF 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 (LTS:0HCR) has a FCF Yield % of 49.76 as of Jun. 30, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Bread Financial Holdings and its competitors. This is near median its historical median of 51.27. Over the past decade, Bread Financial Holdings' FCF Yield % has ranged from 15.96 to 139.98. According to the industry distribution chart, Bread Financial Holdings ranks #51 out of 540 companies in the Credit Services industry, placing it in the top 9.4%.
Is Bread Financial Holdings' FCF Yield % too high?
Bread Financial Holdings' current FCF Yield % of 49.76 is near median its 10-year median of 51.27. Over the past 10 years, this metric has ranged from a low of 15.96 to a high of 139.98. Based on the distribution chart, Bread Financial Holdings ranks #51 out of 540 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 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bread Financial Holdings' FCF Yield % compare to SLM and NNI?
According to the Credit Services industry distribution chart, Bread Financial Holdings ranks #51 out of 540 companies for FCF Yield %. This places Bread Financial Holdings in the top 9% of its industry — outperforming the majority of peers. Historically, Bread Financial Holdings' own FCF Yield % has ranged from 15.96 to 139.98 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Credit Services company?
A good FCF Yield % depends on the Credit Services industry context. However, FCF 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Bread Financial Holdings and its competitors. Bread Financial Holdings's current FCF Yield % is 49.76, which is near median its own 10-year median of 51.27. 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 $56.81, compared to a current price of $108.18 — trading 90.4% above its estimated fair value. The current FCF Yield % is 49.76, which is near median its 10-year median of 51.27. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Bread Financial Holdings (LTS:0HCR), the current FCF Yield % is 49.76 as of Jun. 30, 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 $108.18 is trading 90.4% above its estimated GF Value™ of $56.81.
GuruFocus considers Bread Financial Holdings to be Significantly Overvalued.
Key valuation signals for LTS:0HCR:
FCF Yield %: 49.76 (near median its 10-year median of 51.27)
GF Value™: $56.81 vs. price of $108.18 (90.4% above fair value)
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.
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
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