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


LTS:0HCR Bread Financial Holdings Inc LTS:0HCR
64 GF Score
Price $105.19
GF Value $57.25
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Bread Financial Holdings ROC %?

Bread Financial Holdings LTS:0HCR +1.52% 64 ROC % is % as of Mar. 2026. 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.

ROC %does not apply to banks.

LTS:0HCR
64GF Score
Bread Financial Holdings Inc LTS:0HCR
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Bread Financial Holdings (LTS:0HCR) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Bread Financial Holdings and its competitors.
Is Bread Financial Holdings' ROC % too high?
Bread Financial Holdings' current ROC % is %. 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' ROC % compare to UPST and SEZL?
Bread Financial Holdings' ROC % of % can be compared against companies in the Credit Services industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Credit Services company?
The median ROC % among Credit Services companies is 1.98, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Bread Financial Holdings and its competitors. For the Credit Services industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bread Financial Holdings's current ROC % 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 $57.25, compared to a current price of $105.19 — trading 83.7% above its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Bread Financial Holdings (LTS:0HCR), the current ROC % 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 $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:

  • ROC %: %
  • GF Value™: $57.25 vs. price of $105.19 (83.7% above fair value)
  • GF Score™: 64/100 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.
64GF Score

Get the complete analysis for LTS:0HCR

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

$105.19
Price
$57.25
GF Value