Bread Financial Holdings, Inc. - Asset Resilience Ratio
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. Read Bread Financial Holdings, Inc. (BFH) total liabilities for a breakdown of total debt and financial obligations.
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. See BFH total equity for net asset value and shareholders' equity analysis.
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 Bread Financial Holdings, Inc. stock valuation.
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 |
|---|---|---|
|
Upstart Holdings Inc
NASDAQ:UPST |
Credit Services | 1.39% |
|
Beijing Cuiwei Tower Co Ltd
SHG:603123 |
Credit Services | 1.79% |
|
Peninsula Group Ltd
TA:PEN |
Credit Services | 1.01% |
|
Pioneer Credit Ltd
AU:PNC |
Credit Services | 32.27% |
|
Wisr Ltd
AU:WZR |
Credit Services | 0.02% |
|
Intan Baruprana Finance Tbk
JK:IBFN |
Credit Services | 7.72% |
|
Fast Finance SA
WAR:FFI |
Credit Services | 69.30% |
|
Funding Circle Holdings PLC
LSE:FCH |
Credit Services | 54.97% |
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