Bread Financial Holdings (LTS:0HCR) General and Admin. Expense: $886 Mil (TTM As of Mar. 2026)


LTS:0HCR Bread Financial Holdings Inc LTS:0HCR
64 GF Score
Price $108.74
GF Value $57.30
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Bread Financial Holdings General and Admin. Expense?

Bread Financial Holdings LTS:0HCR +0.52% 64 General and Admin. Expense is $886 Mil as of Mar. 2026. GuruFocus rates LTS:0HCR with a GF Score™ of 64/100 and a GF Value™ of $57.30 (Significantly Overvalued). The stock has 5 warning signs investors should review.

General and Admin. Expense is the aggregate total of general managing and administering expenses for the company. Bread Financial Holdings's General and Admin. Expense for the three months ended in Mar. 2026 was $220 Mil. Its General and Admin. Expense for the trailing twelve months (TTM) ended in Mar. 2026 was $886 Mil.

Bread Financial Holdings General and Admin. Expense Related Terms

Bread Financial Holdings General and Admin. Expense Historical Data

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The historical data trend for Bread Financial Holdings's General and Admin. Expense 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 General and Admin. Expense Chart

Bread Financial Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
General and Admin. Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only 671.00 779.00 867.00 897.00 880.00

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
General and Admin. Expense 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 215.00 212.00 222.00 232.00 220.00
LTS:0HCR
64GF Score
Bread Financial Holdings Inc LTS:0HCR
General and Admin. Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Bread Financial Holdings General and Admin. Expense Calculation

General and Admin. Expense is the aggregate total of general managing and administering expenses for the company.

General and Admin. Expense 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 $886 Mil.

* 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.

What does a General and Admin. Expense of $886 Mil mean?
Bread Financial Holdings (LTS:0HCR) has a General and Admin. Expense of $886 Mil as of Mar. 2026. General and Admin. Expense is the aggregate total of general managing and administering expenses for the company. View historical data on Bread Financial Holdings and its competitors.
Is Bread Financial Holdings' General and Admin. Expense too high?
Bread Financial Holdings' current General and Admin. Expense is $886 Mil. 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' General and Admin. Expense compare to SLM and NNI?
Bread Financial Holdings' General and Admin. Expense of $886 Mil 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 General and Admin. Expense for a Credit Services company?
A good General and Admin. Expense depends on the Credit Services industry context. However, General and Admin. Expense 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 General and Admin. Expense mean?
A high General and Admin. Expense can signal that a stock is expensive relative to its fundamentals. General and Admin. Expense is the aggregate total of general managing and administering expenses for the company. View historical data on Bread Financial Holdings and its competitors. Bread Financial Holdings's current General and Admin. Expense is $886 Mil. 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 $57.30, compared to a current price of $108.74 — trading 89.8% above its estimated fair value. The current General and Admin. Expense is $886 Mil. 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 General and Admin. Expense calculated?
General and Admin. Expense is calculated from a company's financial statements. For Bread Financial Holdings (LTS:0HCR), the current General and Admin. Expense is $886 Mil 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 $108.74 is trading 89.8% above its estimated GF Value™ of $57.30. GuruFocus considers Bread Financial Holdings to be Significantly Overvalued.

Key valuation signals for LTS:0HCR:

  • General and Admin. Expense: $886 Mil
  • GF Value™: $57.30 vs. price of $108.74 (89.8% 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

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.
64GF Score

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General and Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$108.74
Price
$57.30
GF Value