Bread Financial Holdings (LTS:0HCR) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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LTS:0HCR Bread Financial Holdings Inc LTS:0HCR
62 GF Score
Price $98.88
GF Value $57.89
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Bread Financial Holdings ROC (Joel Greenblatt) %?

Bread Financial Holdings LTS:0HCR -0.59% 62 ROC (Joel Greenblatt) % is % as of Mar. 2026. 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 414 Credit Services companies, Bread Financial Holdings ranks worse than 241545.65% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

LTS:0HCR
62GF Score
Bread Financial Holdings Inc LTS:0HCR
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Bread Financial Holdings (LTS:0HCR) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Bread Financial Holdings and its competitors. According to the industry distribution chart, Bread Financial Holdings ranks #999999 out of 414 companies in the Credit Services industry.
Is Bread Financial Holdings' ROC (Joel Greenblatt) % too high?
Bread Financial Holdings' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Bread Financial Holdings ranks #999999 out of 414 companies in the Credit Services industry, which is in the bottom quartile 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' ROC (Joel Greenblatt) % compare to SLM and NNI?
According to the Credit Services industry distribution chart, Bread Financial Holdings ranks #999999 out of 414 companies for ROC (Joel Greenblatt) %. This places Bread Financial Holdings in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 38.59. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 38.59, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Bread Financial Holdings and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bread Financial Holdings's current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Bread Financial Holdings (LTS:0HCR), the current ROC (Joel Greenblatt) % is % 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 $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:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $57.89 vs. price of $98.88 (70.8% above fair value)
  • GF Score™: 62/100 with 5 warning signs

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.

Bread Financial Holdings Business Description

Address 3095 Loyalty Circle, Columbus, OH, USA, 43219
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

Get the complete analysis for LTS:0HCR

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$98.88
Price
$57.89
GF Value