Bread Financial Holdings (LTS:0HCR) Long-Term Debt: $3,941 Mil (As of Mar. 2026)

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LTS:0HCR Bread Financial Holdings Inc LTS:0HCR
62 GF Score
Price $98.88
GF Value $57.89
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Bread Financial Holdings Long-Term Debt?

Bread Financial Holdings LTS:0HCR -0.59% 62 Long-Term Debt is $3,941 Mil as of Mar. 2026. GuruFocus rates LTS:0HCR with a GF Score™ of 62/100 and a GF Value™ of $57.89 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Bread Financial Holdings's Long-Term Debt for the quarter that ended in Mar. 2026 was $3,941 Mil.

Bread Financial Holdings's quarterly Long-Term Debt increased from Sep. 2025 ($3,787 Mil) to Dec. 2025 ($4,308 Mil) but then declined from Dec. 2025 ($4,308 Mil) to Mar. 2026 ($3,941 Mil).

Bread Financial Holdings's annual Long-Term Debt increased from Dec. 2023 ($5,292 Mil) to Dec. 2024 ($5,557 Mil) but then declined from Dec. 2024 ($5,557 Mil) to Dec. 2025 ($4,308 Mil).

Bread Financial Holdings  (LTS:0HCR) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Bread Financial Holdings Long-Term Debt Related Terms

Bread Financial Holdings Long-Term Debt Historical Data

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The historical data trend for Bread Financial Holdings's Long-Term Debt 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 Long-Term Debt Chart

Bread Financial Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7,439.00 8,007.00 5,292.00 5,557.00 4,308.00

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
Long-Term Debt 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 5,121.00 4,227.00 3,787.00 4,308.00 3,941.00
LTS:0HCR
62GF Score
Bread Financial Holdings Inc LTS:0HCR
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $3,941 Mil mean?
Bread Financial Holdings (LTS:0HCR) has a Long-Term Debt of $3,941 Mil as of Mar. 2026.
Is Bread Financial Holdings' Long-Term Debt too high?
Bread Financial Holdings' current Long-Term Debt is $3,941 Mil. Overall, Bread Financial Holdings has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bread Financial Holdings' Long-Term Debt compare to SLM and NNI?
Bread Financial Holdings' Long-Term Debt of $3,941 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 Long-Term Debt for a Credit Services company?
A good Long-Term Debt depends on the Credit Services industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Bread Financial Holdings's current Long-Term Debt is $3,941 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 $57.89, compared to a current price of $98.88 — trading 70.8% above its estimated fair value. The current Long-Term Debt is $3,941 Mil. Bread Financial Holdings' overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Bread Financial Holdings (LTS:0HCR), the current Long-Term Debt is $3,941 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 $98.88 is trading 70.8% above its estimated GF Value™ of $57.89. GuruFocus considers Bread Financial Holdings to be Significantly Overvalued.

Key valuation signals for LTS:0HCR:

  • Long-Term Debt: $3,941 Mil
  • GF Value™: $57.89 vs. price of $98.88 (70.8% above fair value)
  • GF Score™: 62/100 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.
62GF Score

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

$98.88
Price
$57.89
GF Value