Bread Financial Holdings, Inc. - Asset Resilience Ratio
Bread Financial Holdings, Inc. (BFH) has an Asset Resilience Ratio of 0.77% as of March 2026. 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. See how liquid is Bread Financial Holdings, Inc.'s working capital to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2015–2025)
This chart shows how Bread Financial Holdings, Inc.'s Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see total assets of Bread Financial Holdings, Inc..
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. Explore Bread Financial Holdings, Inc. (BFH) investment intensity to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $172.00 Million | 0.77% |
| Total Liquid Assets | $172.00 Million | 0.77% |
Asset Resilience Insights
- Limited Liquidity: Bread Financial Holdings, Inc. maintains only 0.77% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
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 |
|---|---|---|
|
Oportun Financial Corp
NASDAQ:OPRT |
Credit Services | 0.00% |
|
Gentera S.A.B. de C.V
MX:GENTERA |
Credit Services | 0.95% |
|
Krungthai Card Public Company Limited
BK:KTC-R |
Credit Services | 0.00% |
|
Peninsula Group Ltd
TA:PEN |
Credit Services | 1.01% |
|
OppFi Inc
NYSE:OPFI |
Credit Services | 6.56% |
|
Pioneer Credit Ltd
AU:PNC |
Credit Services | 32.27% |
|
Blender Financial Technologies Ltd
TA:BLND |
Credit Services | 1.42% |
|
ZIP Co Ltd
AU:ZIP |
Credit Services | 0.13% |
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 | -- |
About Bread Financial Holdings, Inc.
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