Bread Financial Holdings, Inc.

NYSE:BFH USA Credit Services
Market Cap
$3.10 Billion
Market Cap Rank
#3901 Global
#2492 in USA
Share Price
$71.94
Change (1 day)
+2.89%
52-Week Range
$41.88 - $81.25
All Time High
$165.62
About

Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and … Read more

Bread Financial Holdings, Inc. - Asset Resilience Ratio

Latest as of December 2025: 16.66%

Bread Financial Holdings, Inc. (BFH) has an Asset Resilience Ratio of 16.66% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.

Liquid Assets
$3.77 Billion
Cash + Short-term Investments
Total Assets
$22.66 Billion
All company assets
Resilience Assessment
Good
Financial Resilience Level

Asset Resilience Ratio Trend (2015–2025)

This chart shows how Bread Financial Holdings, Inc.'s Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.

Liquid Assets Composition Over Time

This chart breaks down Bread Financial Holdings, Inc.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.

Current Liquid Assets Breakdown

Component Amount % of Total Assets
Cash & Equivalents $3.60 Billion 15.9%
Short-term Investments $171.00 Million 0.75%
Total Liquid Assets $3.77 Billion 16.66%

Asset Resilience Insights

  • Good Liquidity Position: Bread Financial Holdings, Inc. maintains a healthy 16.66% of assets in liquid form.
  • This level provides good financial flexibility while maintaining productive asset deployment.
  • The company primarily holds liquidity in cash and equivalents rather than short-term investments.

Bread Financial Holdings, Inc. Industry Peers by Asset Resilience Ratio

Compare Bread Financial Holdings, Inc.'s asset resilience ratio with other companies in the same industry.

Company Industry Asset Resilience Ratio
Samsung Card Co. Ltd.
KO:029780
Credit Services 0.18%
Yiren Digital Ltd
F:19YA
Credit Services 3.32%
Aeon Credit Service Bhd
KLSE:5139
Credit Services 0.25%
ELK-Desa Resources Bhd
KLSE:5228
Credit Services 2.82%
Chailease Holding Co Ltd
TW:5871
Credit Services 6.79%
Genertec Universal Medical Group Company Limited
F:5UM
Credit Services 0.00%
AVIC Capital Co Ltd
SHG:600705
Credit Services 12.64%

Annual Asset Resilience Ratio for Bread Financial Holdings, Inc. (2015–2025)

The table below shows the annual Asset Resilience Ratio data for Bread Financial Holdings, Inc..

Year Asset Resilience Ratio (%) Liquid Assets Total Assets Change
2025-12-31 16.66% $3.77 Billion $22.66 Billion -0.16pp
2024-12-31 16.81% $3.85 Billion $22.89 Billion +0.56pp
2023-12-31 16.25% $3.76 Billion $23.14 Billion +0.56pp
2022-12-31 15.69% $3.99 Billion $25.41 Billion +0.58pp
2021-12-31 15.11% $3.29 Billion $21.75 Billion -1.39pp
2020-12-31 16.50% $3.72 Billion $22.55 Billion -0.25pp
2019-12-31 16.74% $4.44 Billion $26.49 Billion +2.49pp
2018-12-31 14.26% $4.33 Billion $30.39 Billion -1.08pp
2017-12-31 15.33% $4.71 Billion $30.68 Billion +7.00pp
2016-12-31 8.33% $2.13 Billion $25.51 Billion +7.50pp
2015-12-31 0.83% $186.30 Million $22.35 Billion --
pp = percentage points