Bread Financial HoldingsBSP:A1LL34 54 OCF Margin % is 47.84% as of Mar. 2026, which is 0% above its 10-year median of 47.61. GuruFocus rates BSP:A1LL34 with a GF Score™ of 54/100 and a GF Value™ of R$74.02 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 530 Credit Services companies, Bread Financial Holdings ranks better than 79.25% on this metric.
* 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.
BSP:A1LL34 vs SLM, NNI, UPST: OCF Margin % Comparison
For the Credit Services subindustry, Bread Financial Holdings's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Bread Financial Holdings's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Bread Financial Holdings's OCF 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 (BSP:A1LL34) has a OCF Margin % of 47.84% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Bread Financial Holdings and its competitors. This is near median its historical median of 47.61. Over the past decade, Bread Financial Holdings' OCF Margin % has ranged from 29.80 to 57.10. According to the industry distribution chart, Bread Financial Holdings ranks #110 out of 530 companies in the Credit Services industry, placing it in the top 20.8%.
Is Bread Financial Holdings' OCF Margin % too high?
Bread Financial Holdings' current OCF Margin % of 47.84% is near median its 10-year median of 47.61. Over the past 10 years, this metric has ranged from a low of 29.80 to a high of 57.10. The Credit Services industry median OCF Margin % is 2.41. Bread Financial Holdings' value of 47.84% is 1889.2% above this industry median. Based on the distribution chart, Bread Financial Holdings ranks #110 out of 530 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 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bread Financial Holdings' OCF Margin % compare to SLM and NNI?
According to the Credit Services industry distribution chart, Bread Financial Holdings ranks #110 out of 530 companies for OCF Margin %. This places Bread Financial Holdings in the top 21% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 2.41. Bread Financial Holdings' value of 47.84% is 1889.2% above this benchmark. Historically, Bread Financial Holdings' own OCF Margin % has ranged from 29.80 to 57.10 over the past decade. While the company's 10-year median is 47.61 vs. the industry median of 2.41, 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 OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.41, based on 530 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bread Financial Holdings's current OCF Margin % of 47.84% is 1889.2% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Bread Financial Holdings and its competitors. For the Credit Services industry, the median OCF Margin % is 2.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bread Financial Holdings's current OCF Margin % is 47.84%, which is near median its own 10-year median of 47.61. 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 (BSP:A1LL34) is currently considered Significantly Overvalued. The stock's GF Value™ is R$74.02, compared to a current price of R$137.76 — trading 86.1% above its estimated fair value. The current OCF Margin % is 47.84%, which is near median its 10-year median of 47.61 and 1889.2% above the Credit Services industry median of 2.41. Bread Financial Holdings' overall GF Score™ is 54/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Bread Financial Holdings (BSP:A1LL34), the current OCF Margin % is 47.84% 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 (BSP:A1LL34) Overvalued in 2026?
Based on GuruFocus' analysis, Bread Financial Holdings stock appears to be overvalued.
The current stock price of R$137.76 is trading 86.1% above its estimated GF Value™ of R$74.02.
GuruFocus considers Bread Financial Holdings to be Significantly Overvalued.
Key valuation signals for BSP:A1LL34:
OCF Margin %: 47.84% (near median its 10-year median of 47.61)
GF Value™: R$74.02 vs. price of R$137.76 (86.1% above fair value)
Industry Position: 1889.2% above the Credit Services median (#110 of 530)
No single metric tells the full story. See the BSP:A1LL34 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.
54GF Score
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