Bread Financial Holdings's ROE % for the quarter that ended in Mar. 2026 was 21.77%. Bread Financial Holdings's PB Ratio for the quarter that ended in Mar. 2026 was 0.90.
Bread Financial Holdings's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 24.19%.
Bread Financial Holdings ROE % Adjusted to Book Value Related Terms
Bread Financial Holdings ROE % Adjusted to Book Value Historical Data
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The historical data trend for Bread Financial Holdings's ROE % Adjusted to Book Value can be seen below:
* 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 ROE % Adjusted to Book Value Chart
LTS:0HCR vs SLM, NNI, UPST: ROE % Adjusted to Book Value Comparison
For the Credit Services subindustry, Bread Financial Holdings's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Bread Financial Holdings's ROE % Adjusted to Book Value distribution charts can be found below:
* The bar in red indicates where Bread Financial Holdings's ROE % Adjusted to Book Value 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.
What does a ROE % Adjusted to Book Value of 24.19% mean?
Bread Financial Holdings (LTS:0HCR) has a ROE % Adjusted to Book Value of 24.19% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Bread Financial Holdings and its competitors.
Is Bread Financial Holdings' ROE % Adjusted to Book Value too high?
Bread Financial Holdings' current ROE % Adjusted to Book Value is 24.19%. 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' ROE % Adjusted to Book Value compare to SLM and NNI?
Bread Financial Holdings' ROE % Adjusted to Book Value of 24.19% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Credit Services company?
A good ROE % Adjusted to Book Value depends on the Credit Services industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Bread Financial Holdings and its competitors. Bread Financial Holdings's current ROE % Adjusted to Book Value is 24.19%. 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 $56.81, compared to a current price of $108.74 — trading 91.4% above its estimated fair value. The current ROE % Adjusted to Book Value is 24.19%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Bread Financial Holdings (LTS:0HCR), the current ROE % Adjusted to Book Value is 24.19% 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 $108.74 is trading 91.4% above its estimated GF Value™ of $56.81.
GuruFocus considers Bread Financial Holdings to be Significantly Overvalued.
Key valuation signals for LTS:0HCR:
ROE % Adjusted to Book Value: 24.19%
GF Value™: $56.81 vs. price of $108.74 (91.4% above fair value)
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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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