Bread Financial Holdings, Inc. Asset Resilience Ratio
Bread Financial Holdings, Inc. asset resilience ratio. Bread Financial Holdings, Inc. (BFH) has an Asset Resilience Ratio of 0.75% as of June 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 operational self-sufficiency of Bread Financial Holdings, Inc. to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Bread Financial Holdings, Inc. (2015–2025)
Asset resilience ratio of Bread Financial Holdings, Inc. from 2015 to 2025. This chart shows how Bread Financial Holdings, Inc.'s Asset Resilience Ratio has changed over time. Read Bread Financial Holdings, Inc. total liabilities for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see BFH current and non-current assets.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $168.00 Million | 0.75% |
| Total Liquid Assets | $168.00 Million | 0.75% |
Asset Resilience Insights
- Limited Liquidity: Bread Financial Holdings, Inc. maintains only 0.75% 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 |
|---|---|---|
|
Krungthai Card PCL
BK:KTC |
Credit Services | 92.33% |
|
Mastercard Inc
NYSE:MA |
Credit Services | 0.60% |
|
Indian Railway Finance Corporation Limited
NSE:IRFC |
Credit Services | 0.09% |
|
Best SA
WAR:BST |
Credit Services | 3.86% |
|
Vardhman Holdings Limited
NSE:VHL |
Credit Services | 0.03% |
|
Litigation Capital Management Limited
LSE:LIT |
Credit Services | 78.61% |
|
ZIP Co Ltd
AU:ZIP |
Credit Services | 0.13% |
|
Credit Corp Group Ltd
AU:CCP |
Credit Services | 4.06% |
Bread Financial Holdings, Inc. Asset Resilience Ratio by Year (2015–2025)
Bread Financial Holdings, Inc. asset resilience ratio by year from 2015 to 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