Bread Financial Holdings (LTS:0HCR) Margin of Safety % (DCF FCF Based): N/A (As of Jun. 25, 2026)


LTS:0HCR Bread Financial Holdings Inc LTS:0HCR
64 GF Score
Price $105.19
GF Value $57.25
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Bread Financial Holdings Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

Bread Financial Holdings's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF FCF Based) is not calculated.

LTS:0HCR vs UPST, SEZL, ENVA: Margin of Safety % (DCF FCF Based) Comparison

For the Credit Services subindustry, Bread Financial Holdings's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Bread Financial Holdings's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Bread Financial Holdings's Margin of Safety % (DCF FCF Based) falls into.


LTS:0HCR
64GF Score
Bread Financial Holdings Inc LTS:0HCR
Margin of Safety % (DCF FCF Based) 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 $105.19 is trading 83.7% above its estimated GF Value™ of $57.25. GuruFocus considers Bread Financial Holdings to be Significantly Overvalued.

Key valuation signals for LTS:0HCR:

  • Margin of Safety % (DCF FCF Based): N/A
  • GF Value™: $57.25 vs. price of $105.19 (83.7% 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

Get the complete analysis for LTS:0HCR

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$105.19
Price
$57.25
GF Value