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3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-08-19), Bread Financial Holdings's 3-1 Month Momentum % is 14.17%.
The industry rank for Bread Financial Holdings's 3-1 Month Momentum % or its related term are showing as below:
LTS:0HCR's 3-1 Month Momentum % is ranked better than 80.07% of 562
companies
in the Credit Services industry
Industry Median: 0.575
vs LTS:0HCR: 14.17
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Bread Financial Holdings 3-1 Month Momentum % Related Terms
LTS:0HCR vs SLM, NNI, SEZL: 3-1 Month Momentum % Comparison
For the Credit Services subindustry, Bread Financial Holdings's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Bread Financial Holdings's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Bread Financial Holdings's 3-1 Month Momentum % 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 3-1 Month Momentum % of 14.17% as of Aug. 19, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Bread Financial Holdings and its competitors. According to the industry distribution chart, Bread Financial Holdings ranks #112 out of 562 companies in the Credit Services industry, placing it in the top 19.9%.
Is Bread Financial Holdings' 3-1 Month Momentum % too high?
Bread Financial Holdings' current 3-1 Month Momentum % is 14.17%. The Credit Services industry median 3-1 Month Momentum % is 0.58. Bread Financial Holdings' value of 14.17% is 2364.3% above this industry median. Based on the distribution chart, Bread Financial Holdings ranks #112 out of 562 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' 3-1 Month Momentum % compare to SLM and NNI?
According to the Credit Services industry distribution chart, Bread Financial Holdings ranks #112 out of 562 companies for 3-1 Month Momentum %. This places Bread Financial Holdings in the top 20% of its industry — outperforming the majority of peers. The industry median 3-1 Month Momentum % is 0.58. Bread Financial Holdings' value of 14.17% is 2364.3% 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 3-1 Month Momentum % for a Credit Services company?
The median 3-1 Month Momentum % among Credit Services companies is 0.58, based on 562 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bread Financial Holdings's current 3-1 Month Momentum % of 14.17% is 2364.3% 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Bread Financial Holdings and its competitors. For the Credit Services industry, the median 3-1 Month Momentum % is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bread Financial Holdings's current 3-1 Month Momentum % is 14.17%. 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 $58.47, compared to a current price of $111.28 — trading 90.3% above its estimated fair value. The current 3-1 Month Momentum % is 14.17% and 2364.3% above the Credit Services industry median of 0.58. Bread Financial Holdings' overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Bread Financial Holdings (LTS:0HCR), the current 3-1 Month Momentum % is 14.17% as of Aug. 19, 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 $111.28 is trading 90.3% above its estimated GF Value™ of $58.47.
GuruFocus considers Bread Financial Holdings to be Significantly Overvalued.
Key valuation signals for LTS:0HCR:
3-1 Month Momentum %: 14.17%
GF Value™: $58.47 vs. price of $111.28 (90.3% above fair value)
Industry Position: 2364.3% above the Credit Services median (#112 of 562)
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
Get the complete analysis for LTS:0HCR
3-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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