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Bread Financial HoldingsLTS:0HCR -0.59%62 Net Debt Paydown Yield % is 23.93% as of Jul. 17, 2026, which is 82% above its 10-year median of 13.16. 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. Among 473 Credit Services companies, Bread Financial Holdings ranks better than 89.43% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, Bread Financial Holdings's Net Debt Paydown Yield % was 23.93%.
Bread Financial Holdings (LTS:0HCR) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
Bread Financial Holdings Net Debt Paydown Yield % Related Terms
Bread Financial Holdings Net Debt Paydown Yield % Historical Data
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The historical data trend for Bread Financial Holdings's Net Debt Paydown Yield % 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 Net Debt Paydown Yield % Chart
LTS:0HCR vs SLM, NNI, UPST: Net Debt Paydown Yield % Comparison
For the Credit Services subindustry, Bread Financial Holdings's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Bread Financial Holdings's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where Bread Financial Holdings's Net Debt Paydown Yield % falls into.
* 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 23.93% mean?
Bread Financial Holdings (LTS:0HCR) has a Net Debt Paydown Yield % of 23.93% as of Jul. 17, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Bread Financial Holdings and its competitors. This is 82% above median its historical median of 13.16. According to the industry distribution chart, Bread Financial Holdings ranks #50 out of 473 companies in the Credit Services industry, placing it in the top 10.6%.
Is Bread Financial Holdings' Net Debt Paydown Yield % too high?
Bread Financial Holdings' current Net Debt Paydown Yield % of 23.93% is 82% above median its 10-year median of 13.16. Based on the distribution chart, Bread Financial Holdings ranks #50 out of 473 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 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bread Financial Holdings' Net Debt Paydown Yield % compare to SLM and NNI?
According to the Credit Services industry distribution chart, Bread Financial Holdings ranks #50 out of 473 companies for Net Debt Paydown Yield %. This places Bread Financial Holdings in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Credit Services company?
A good Net Debt Paydown Yield % depends on the Credit Services industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Bread Financial Holdings and its competitors. Bread Financial Holdings's current Net Debt Paydown Yield % is 23.93%, which is 82% above median its own 10-year median of 13.16. 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 Net Debt Paydown Yield % is 23.93%, which is 82% above median its 10-year median of 13.16. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Bread Financial Holdings (LTS:0HCR), the current Net Debt Paydown Yield % is 23.93% as of Jul. 17, 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:
Net Debt Paydown Yield %: 23.93% (82% above median its 10-year median of 13.16)
GF Value™: $57.89 vs. price of $98.88 (70.8% above fair value)
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.
62GF Score
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