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.
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. Check Bread Financial Holdings, Inc. PP&E and investment ratio to assess the company's strategic physical and investment asset allocation.
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. For market capitalisation and broader financial context, see BFH market cap.
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 |
|---|---|---|
|
Hotai Finance Corp
TW:6592 |
Credit Services | 1.50% |
|
Krungthai Card PCL
BK:KTC |
Credit Services | 92.33% |
|
Plenti Group Ltd
AU:PLT |
Credit Services | 0.07% |
|
Hexa Tradex Limited
NSE:HEXATRADEX |
Credit Services | 0.09% |
|
Moneyme Ltd
AU:MME |
Credit Services | 1.75% |
|
Butn Ltd
AU:BTN |
Credit Services | 3.72% |
|
DCM Financial Services Limited
NSE:DCMFINSERV |
Credit Services | 23.68% |
|
creditshelf Aktiengesellschaft
F:CSQ |
Credit Services | 0.62% |
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