Bread Financial HoldingsLTS:0HCR +1.52%64 Net Margin % is 17.78% as of Mar. 2026, which is 63% above its 10-year median of 10.89. GuruFocus rates LTS:0HCR with a GF Score™ of 64/100 and a GF Value™ of $57.25 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 534 Credit Services companies, Bread Financial Holdings ranks worse than 50.56% on this metric.
The historical rank and industry rank for Bread Financial Holdings's Net Margin % or its related term are showing as below:
LTS:0HCR'
s Net Margin % Range Over the Past 10 Years
Min: 5.76 Med: 10.89 Max: 24.5
Current: 14.44
LTS:0HCR's Net Margin % is ranked worse than 50.56% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs LTS:0HCR: 14.44
Bread Financial Holdings (LTS:0HCR) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Bread Financial Holdings Net Margin % Related Terms
Bread Financial Holdings Net Margin % 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.
LTS:0HCR vs UPST, SEZL, ENVA: Net Margin % Comparison
For the Credit Services subindustry, Bread Financial Holdings's Net Margin %, along with its competitors' market caps and Net Margin % 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 Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Bread Financial Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bread Financial Holdings's Net Margin % 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.
Bread Financial Holdings (LTS:0HCR) has a Net Margin % of 17.78% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Bread Financial Holdings and its competitors. This is 63% above median its historical median of 10.89. Over the past decade, Bread Financial Holdings' Net Margin % has ranged from 5.76 to 24.50. According to the industry distribution chart, Bread Financial Holdings ranks #270 out of 534 companies in the Credit Services industry, placing it in the top 50.6%.
Is Bread Financial Holdings' Net Margin % too high?
Bread Financial Holdings' current Net Margin % of 17.78% is 63% above median its 10-year median of 10.89. Over the past 10 years, this metric has ranged from a low of 5.76 to a high of 24.50. The Credit Services industry median Net Margin % is 14.52. Bread Financial Holdings' value of 17.78% is 22.5% above this industry median. Based on the distribution chart, Bread Financial Holdings ranks #270 out of 534 companies in the Credit Services industry, which is below the industry midpoint. 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' Net Margin % compare to UPST and SEZL?
According to the Credit Services industry distribution chart, Bread Financial Holdings ranks #270 out of 534 companies for Net Margin %. This places Bread Financial Holdings in the lower half of its industry. The industry median Net Margin % is 14.52. Bread Financial Holdings' value of 17.78% is 22.5% above this benchmark. Historically, Bread Financial Holdings' own Net Margin % has ranged from 5.76 to 24.50 over the past decade. While the company's 10-year median is 10.89 vs. the industry median of 14.52, Bread Financial Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bread Financial Holdings's current Net Margin % of 17.78% is 22.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Bread Financial Holdings and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bread Financial Holdings's current Net Margin % is 17.78%, which is 63% above median its own 10-year median of 10.89. 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 $57.25, compared to a current price of $105.19 — trading 83.7% above its estimated fair value. The current Net Margin % is 17.78%, which is 63% above median its 10-year median of 10.89 and 22.5% above the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Bread Financial Holdings (LTS:0HCR), the current Net Margin % is 17.78% 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 $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:
Net Margin %: 17.78% (63% above median its 10-year median of 10.89)
GF Value™: $57.25 vs. price of $105.19 (83.7% above fair value)
Industry Position: 22.5% above the Credit Services median (#270 of 534)
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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