Bread Financial Holdings (LTS:0HCR) YoY EBITDA Growth

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.

LTS:0HCR Bread Financial Holdings Inc LTS:0HCR
64 GF Score
Price $108.00
GF Value $66.63
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Bread Financial Holdings YoY EBITDA Growth?

YoY EBITDA Growth does not apply to banks.

LTS:0HCR
64GF Score
Bread Financial Holdings Inc LTS:0HCR
YoY EBITDA Growth is just one metric. See GF Score™, valuation, warning signs, and more.
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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 $108.00 is trading 62.1% above its estimated GF Value™ of $66.63. GuruFocus considers Bread Financial Holdings to be Significantly Overvalued.

Key valuation signals for LTS:0HCR:

  • YoY EBITDA Growth:
  • GF Value™: $66.63 vs. price of $108.00 (62.1% above fair value)
  • GF Score™: 64/100 with 6 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
Bread Financial Holdings Inc. is a US-based financial services company that provides private-label and co-branded credit card programs, loyalty programs, and marketing services. It partners with retailers, travel companies, and other brands to issue credit cards under those partners' names, sharing in the economics of the card portfolios. Its main business is consumer credit cards, complemented by savings and other deposit products offered through Bread Financial's online bank, which funds much of its lending. The company serves millions of cardholders across the United States and operates primarily in the US market. Revenue comes mainly from interest and fees on credit card loans, along with interchange income and fees for marketing and loyalty services provided to partner brands. Formerly known as Alliance Data Systems, it rebranded as Bread Financial in 2022.
64GF Score

Get the complete analysis for LTS:0HCR

YoY EBITDA Growth is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$108.00
Price
$66.63
GF Value