Bread Financial Holdings's quarterly market cap
increased
from Sep. 2025 ($2,579 Mil) to Dec. 2025 ($3,275 Mil) but then
declined
from Dec. 2025 ($3,275 Mil) to Mar. 2026 ($2,995 Mil).
Bread Financial Holdings's annual market cap
increased
from Dec. 2023 ($1,639 Mil) to Dec. 2024 ($3,018 Mil) and
increased
from Dec. 2024 ($3,018 Mil) to Dec. 2025 ($3,275 Mil).
Enterprise Value is the theoretical takeover price. It is more comprehensive than market capitalization (market cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash and cash equivalents. Bread Financial Holdings's Enterprise Value for Today is $7,100 Mil.
Bread Financial Holdings (LTS:0HCR) Market Cap Explanation
Market cap is not the real price you pay for a company. If you buy the company and become its owner, you become the owner of the cash the company has, and you also assume the companys debt. The real price you pay is the Enterprise Value.
Warren Buffett uses the ratio of total market cap of all public traded companies over GDP to measure if the market is expensive. As of April 2012, the US total market cap is about $14.7 trillion, while the US GDP is about $15 trillion. The market was modestly overvalued.
Bread Financial Holdings Market Cap Related Terms
Bread Financial Holdings Market Cap Historical Data
* 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.
For the Credit Services subindustry, Bread Financial Holdings's Market Cap, along with its competitors' market caps and Market Cap 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 Market Cap vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Bread Financial Holdings's Market Cap distribution charts can be found below:
* The bar in red indicates where Bread Financial Holdings's Market Cap falls into.
Market cap is the short version of market capitalization. It is the total market value to buy the whole company. It is equal to the share price times the number of shares outstanding.
Bread Financial Holdings's Market Cap for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (LTS:0HCR) has a Market Cap of $4,393 Mil as of Jun. 30, 2026. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Bread Financial Holdings and its competitors. According to the industry distribution chart, Bread Financial Holdings ranks #38 out of 554 companies in the Credit Services industry, placing it in the top 6.9%.
Is Bread Financial Holdings' Market Cap too high?
Bread Financial Holdings' current Market Cap is $4,393 Mil. The Credit Services industry median Market Cap is 45.10. Bread Financial Holdings' value of $4,393 Mil is 9640.1% above this industry median. Based on the distribution chart, Bread Financial Holdings ranks #38 out of 554 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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' Market Cap compare to SLM and NNI?
According to the Credit Services industry distribution chart, Bread Financial Holdings ranks #38 out of 554 companies for Market Cap. This places Bread Financial Holdings in the top 7% of its industry — outperforming the majority of peers. The industry median Market Cap is 45.10. Bread Financial Holdings' value of $4,393 Mil is 9640.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Market Cap for a Credit Services company?
The median Market Cap among Credit Services companies is 45.10, based on 554 companies in the industry. Companies in the top quartile (top 25%) have a Market Cap significantly above this median, while those in the bottom quartile fall well below. However, Market Cap should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bread Financial Holdings's current Market Cap of $4,393 Mil is 9640.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Market Cap mean?
A high Market Cap can signal that a stock is expensive relative to its fundamentals. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Bread Financial Holdings and its competitors. For the Credit Services industry, the median Market Cap is 45.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bread Financial Holdings's current Market Cap is $4,393 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 $56.81, compared to a current price of $108.18 — trading 90.4% above its estimated fair value. The current Market Cap is $4,393 Mil and 9640.1% above the Credit Services industry median of 45.10. 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 Market Cap calculated?
Market Cap is calculated from a company's financial statements. For Bread Financial Holdings (LTS:0HCR), the current Market Cap is $4,393 Mil as of Jun. 30, 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 $108.18 is trading 90.4% above its estimated GF Value™ of $56.81.
GuruFocus considers Bread Financial Holdings to be Significantly Overvalued.
Key valuation signals for LTS:0HCR:
Market Cap: $4,393 Mil
GF Value™: $56.81 vs. price of $108.18 (90.4% above fair value)
Industry Position: 9640.1% above the Credit Services median (#38 of 554)
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.
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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Market Cap is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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