Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Bread Financial Holdings's Total Liabilities for the quarter that ended in Jun. 2026 was $19,087 Mil.
Bread Financial Holdings's quarterly Total Liabilities
declined
from Dec. 2025 ($19,336.00 Mil) to Mar. 2026 ($18,983.00 Mil) but then
increased
from Mar. 2026 ($18,983.00 Mil) to Jun. 2026 ($19,087.00 Mil).
Bread Financial Holdings's annual Total Liabilities
declined
from Dec. 2023 ($20,223.00 Mil) to Dec. 2024 ($19,840.00 Mil) and
declined
from Dec. 2024 ($19,840.00 Mil) to Dec. 2025 ($19,336.00 Mil).
* 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 Total Liabilities Calculation
Total Liabilities are the liabilities that the company has to pay others. It is a part of the balance sheet of a company that shareholders do not own, and would be obligated to pay back if the company liquidated.
Bread Financial Holdings's Total Liabilities for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Total Liabilities of $19,087 Mil mean?
Bread Financial Holdings (LTS:0HCR) has a Total Liabilities of $19,087 Mil as of Jun. 2026. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Bread Financial Holdings and its competitors.
Is Bread Financial Holdings' Total Liabilities too high?
Bread Financial Holdings' current Total Liabilities is $19,087 Mil. Overall, Bread Financial Holdings has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bread Financial Holdings' Total Liabilities compare to SLM and NNI?
Bread Financial Holdings' Total Liabilities of $19,087 Mil 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 Total Liabilities for a Credit Services company?
A good Total Liabilities depends on the Credit Services industry context. However, Total Liabilities 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 Total Liabilities mean?
A high Total Liabilities can signal that a stock is expensive relative to its fundamentals. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Bread Financial Holdings and its competitors. Bread Financial Holdings's current Total Liabilities is $19,087 Mil. 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 $65.62, compared to a current price of $106.08 — trading 61.7% above its estimated fair value. The current Total Liabilities is $19,087 Mil. Bread Financial Holdings' overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Liabilities calculated?
Total Liabilities is calculated from a company's financial statements. For Bread Financial Holdings (LTS:0HCR), the current Total Liabilities is $19,087 Mil as of Jun. 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 $106.08 is trading 61.7% above its estimated GF Value™ of $65.62.
GuruFocus considers Bread Financial Holdings to be Significantly Overvalued.
Key valuation signals for LTS:0HCR:
Total Liabilities: $19,087 Mil
GF Value™: $65.62 vs. price of $106.08 (61.7% 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.
66GF Score
Get the complete analysis for LTS:0HCR
Total Liabilities is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LTS:0HCR has been successfully added to your 
