Bread Financial Holdings (LTS:0HCR) Tariff Resilience Score: 8/10 (As of Jul. 07, 2026)


LTS:0HCR Bread Financial Holdings Inc LTS:0HCR
64 GF Score
Price $104.30
GF Value $57.77
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Bread Financial Holdings Tariff Resilience Score?

Bread Financial Holdings LTS:0HCR +2.31% 64 Tariff Resilience Score is 8 as of Jul. 07, 2026. GuruFocus rates LTS:0HCR with a GF Score™ of 64/100 and a GF Value™ of $57.77 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 563 Credit Services companies, Bread Financial Holdings ranks better than 95.56% on this metric.

Bread Financial Holdings has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Bread Financial Holdings has Primarily a financial services company with minimal exposure to global supply chains or manufacturing. Revenue is largely domestic, reducing vulnerability to tariffs. Historical data shows limited impact from tariff changes.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Bread Financial Holdings might have Highly Resilient.

Bread Financial Holdings  (LTS:0HCR) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Bread Financial Holdings Tariff Resilience Score Related Terms

LTS:0HCR vs SLM, NNI, UPST: Tariff Resilience Score Comparison

For the Credit Services subindustry, Bread Financial Holdings's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Bread Financial Holdings's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Bread Financial Holdings's Tariff Resilience Score falls into.


LTS:0HCR
64GF Score
Bread Financial Holdings Inc LTS:0HCR
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Bread Financial Holdings (LTS:0HCR) has a Tariff Resilience Score of 8 as of Jul. 07, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Bread Financial Holdings ranks #25 out of 563 companies in the Credit Services industry, placing it in the top 4.4%.
Is Bread Financial Holdings' Tariff Resilience Score too high?
Bread Financial Holdings' current Tariff Resilience Score is 8. Based on the distribution chart, Bread Financial Holdings ranks #25 out of 563 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' Tariff Resilience Score compare to SLM and NNI?
According to the Credit Services industry distribution chart, Bread Financial Holdings ranks #25 out of 563 companies for Tariff Resilience Score. This places Bread Financial Holdings in the top 4% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Credit Services company?
A good Tariff Resilience Score depends on the Credit Services industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Bread Financial Holdings's current Tariff Resilience Score is 8. 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 $57.77, compared to a current price of $104.30 — trading 80.5% above its estimated fair value. The current Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Bread Financial Holdings (LTS:0HCR), the current Tariff Resilience Score is 8 as of Jul. 07, 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 $104.30 is trading 80.5% above its estimated GF Value™ of $57.77. GuruFocus considers Bread Financial Holdings to be Significantly Overvalued.

Key valuation signals for LTS:0HCR:

  • Tariff Resilience Score: 8
  • GF Value™: $57.77 vs. price of $104.30 (80.5% 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

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

$104.30
Price
$57.77
GF Value