BFH (Bread Financial Holdings) Interest Coverage

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.

BFH Bread Financial Holdings Inc BFH
65 GF Score
Price $99.18
GF Value $57.46
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Bread Financial Holdings Interest Coverage?

Interest Coverage does not apply to banks.

BFH
65GF Score
Bread Financial Holdings Inc BFH
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Bread Financial Holdings (BFH) Overvalued in 2026?

Based on GuruFocus' analysis, Bread Financial Holdings stock appears to be overvalued. The current stock price of $99.18 is trading 72.6% above its estimated GF Value™ of $57.46. GuruFocus considers Bread Financial Holdings to be Significantly Overvalued.

Key valuation signals for BFH:

  • Interest Coverage:
  • GF Value™: $57.46 vs. price of $99.18 (72.6% above fair value)
  • GF Score™: 65/100 with 4 warning signs

No single metric tells the full story. See the 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 BFH

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

$99.18
Price
$57.46
GF Value