Bread Financial Holdings, Inc. Defensive Interval Ratio
Bread Financial Holdings, Inc. defensive interval ratio. Bread Financial Holdings, Inc. (BFH) has a Defensive Interval Ratio of 4 days as of March 2026. Defensive assets of $172.00 Million (cash $-, short-term investments $172.00 Million, receivables $-) cover 4 days of daily cash needs of $38.56 Million/day. See Bread Financial Holdings, Inc. current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Defensive Interval Ratio of Bread Financial Holdings, Inc. (2000–2025)
Defensive interval ratio of Bread Financial Holdings, Inc. from 2000 to 2025. This chart shows how Bread Financial Holdings, Inc.'s Defensive Interval Ratio has evolved across 26 annual periods from 2000 to 2025. As of March 2026, the ratio stands at 4 days, meaning defensive assets of $172.00 Million can fund 4 days of operations without new revenue. Check Bread Financial Holdings, Inc. (BFH) asset resilience to evaluate the company's liquid asset resilience ratio.
Bread Financial Holdings, Inc. Defensive Interval Ratio by Year (2000–2025)
Bread Financial Holdings, Inc. defensive interval ratio by year from 2000 to 2025. The table below presents the year-by-year Defensive Interval Ratio for Bread Financial Holdings, Inc. from 2000 to 2025, covering 26 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For the complete balance sheet picture, see BFH asset base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 98 days | $3.92 Billion | $40.23 Million/day | $3.60 Billion | $171.00 Million | ▼ -7 days |
| 2024 | 104 days | $3.99 Billion | $38.23 Million/day | $3.68 Billion | $170.00 Million | ▲ +7 days |
| 2023 | 98 days | $3.90 Billion | $40.00 Million/day | $3.59 Billion | $171.00 Million | ▼ -3708 days |
| 2022 | 3806 days | $4.15 Billion | $1.09 Million/day | $3.89 Billion | $95.00 Million | ▲ +3699 days |
| 2021 | 107 days | $3.44 Billion | $32.24 Million/day | $3.05 Billion | $239.00 Million | ▼ -6618 days |
| 2020 | 6724 days | $18.50 Billion | $2.75 Million/day | $3.08 Billion | $638.10 Million | ▼ -2273 days |
| 2019 | 8997 days | $22.73 Billion | $2.53 Million/day | $3.87 Billion | $561.50 Million | ▲ +8312 days |
| 2018 | 685 days | $21.55 Billion | $31.46 Million/day | $3.82 Billion | $514.70 Million | ▼ -114 days |
| 2017 | 799 days | $22.20 Billion | $27.80 Million/day | $4.19 Billion | $515.20 Million | ▲ +98 days |
| 2016 | 701 days | $17.72 Billion | $25.29 Million/day | $1.86 Billion | $266.30 Million | ▼ -94 days |
| 2015 | 795 days | $13.95 Billion | $17.54 Million/day | $- | $186.30 Million | ▲ +134 days |
| 2014 | 661 days | $11.42 Billion | $17.28 Million/day | $- | $- | ▼ -24 days |
| 2013 | 685 days | $8.46 Billion | $12.36 Million/day | $- | $- | ▲ +152 days |
| 2012 | 532 days | $7.34 Billion | $13.79 Million/day | $- | $- | ▲ +12 days |
| 2011 | 521 days | $5.50 Billion | $10.56 Million/day | $- | $- | ▲ +39 days |
| 2010 | 482 days | $5.10 Billion | $10.58 Million/day | $- | $- | ▲ +287 days |
| 2009 | 195 days | $1.14 Billion | $5.84 Million/day | $- | $- | ▲ +39 days |
| 2008 | 156 days | $831.11 Million | $5.34 Million/day | $- | $- | ▼ -4 days |
| 2007 | 160 days | $881.02 Million | $5.52 Million/day | $- | $- | ▼ -190 days |
| 2006 | 350 days | $840.95 Million | $2.40 Million/day | $- | $- | ▲ +112 days |
| 2005 | 238 days | $682.99 Million | $2.87 Million/day | $- | $- | ▼ -34 days |
| 2004 | 272 days | $417.31 Million | $1.54 Million/day | $- | $- | ▼ -35 days |
| 2003 | 307 days | $403.63 Million | $1.32 Million/day | $- | $- | ▲ +79 days |
| 2002 | 228 days | $264.29 Million | $1.16 Million/day | $- | $- | ▲ +4 days |
| 2001 | 224 days | $263.79 Million | $1.18 Million/day | $- | $- | ▼ -35 days |
| 2000 | 259 days | $349.67 Million | $1.35 Million/day | $- | $- | — |