Bread Financial Holdings, Inc. Net Asset Quality Index
Bread Financial Holdings, Inc. net asset quality index. Bread Financial Holdings, Inc. (BFH) has a Net Asset Quality Index of 15.0% as of June 2026. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $22.45 Billion minus total liabilities of $19.09 Billion yields net assets of $3.37 Billion. A higher index indicates a stronger, lower-leverage balance sheet. See what is Bread Financial Holdings, Inc.'s book value for net asset value and shareholders' equity analysis.
Quality Index
Net Assets
Total Assets
Total Liabilities
Net Asset Quality Index of Bread Financial Holdings, Inc. (1998–2025)
Net asset quality index of Bread Financial Holdings, Inc. from 1998 to 2025. This chart shows how Bread Financial Holdings, Inc.'s Net Asset Quality Index has evolved across 28 annual periods from 1998 to 2025. As of June 2026, the index stands at 15.0%, representing net assets of $3.37 Billion against total assets of $22.45 Billion USD. Check how strategically is Bread Financial Holdings, Inc.'s equity deployed to assess the company's strategic physical and investment asset allocation.
Bread Financial Holdings, Inc. Net Asset Quality Index by Year (1998–2025)
Bread Financial Holdings, Inc. net asset quality index by year from 1998 to 2025. The table below presents the year-by-year Net Asset Quality Index for Bread Financial Holdings, Inc. from 1998 to 2025, covering 28 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For live market cap and overall valuation, see BFH market cap.
| Year | Quality Index | Net Assets (USD) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 14.7% | $3.33 Billion | $22.66 Billion | $19.34 Billion | ▲ +1.4 pp |
| 2024 | 13.3% | $3.05 Billion | $22.89 Billion | $19.84 Billion | ▲ +0.7 pp |
| 2023 | 12.6% | $2.92 Billion | $23.14 Billion | $20.22 Billion | ▲ +3.7 pp |
| 2022 | 8.9% | $2.27 Billion | $25.41 Billion | $23.14 Billion | ▼ -0.7 pp |
| 2021 | 9.6% | $2.09 Billion | $21.75 Billion | $19.66 Billion | ▲ +2.8 pp |
| 2020 | 6.7% | $1.52 Billion | $22.55 Billion | $21.03 Billion | ▲ +0.6 pp |
| 2019 | 6.1% | $1.62 Billion | $26.49 Billion | $24.87 Billion | ▼ -1.6 pp |
| 2018 | 7.7% | $2.33 Billion | $30.39 Billion | $28.06 Billion | ▲ +1.6 pp |
| 2017 | 6.0% | $1.86 Billion | $30.68 Billion | $28.83 Billion | ▼ -0.5 pp |
| 2016 | 6.5% | $1.66 Billion | $25.51 Billion | $23.86 Billion | ▼ -3.2 pp |
| 2015 | 9.7% | $2.18 Billion | $22.35 Billion | $20.17 Billion | ▼ -3.2 pp |
| 2014 | 13.0% | $2.63 Billion | $20.26 Billion | $17.63 Billion | ▲ +6.5 pp |
| 2013 | 6.5% | $855.76 Million | $13.24 Billion | $12.39 Billion | ▲ +2.1 pp |
| 2012 | 4.4% | $528.49 Million | $12.00 Billion | $11.47 Billion | ▲ +2.4 pp |
| 2011 | 2.0% | $175.97 Million | $8.98 Billion | $8.80 Billion | ▲ +1.7 pp |
| 2010 | 0.3% | $23.09 Million | $8.27 Billion | $8.25 Billion | ▼ -4.9 pp |
| 2009 | 5.2% | $272.78 Million | $5.23 Billion | $4.95 Billion | ▼ -7.4 pp |
| 2008 | 12.6% | $547.30 Million | $4.34 Billion | $3.79 Billion | ▼ -16.2 pp |
| 2007 | 28.8% | $1.20 Billion | $4.16 Billion | $2.97 Billion | ▼ -2.7 pp |
| 2006 | 31.5% | $1.07 Billion | $3.40 Billion | $2.33 Billion | ▼ 0.0 pp |
| 2005 | 31.5% | $921.11 Million | $2.93 Billion | $2.00 Billion | ▼ -7.4 pp |
| 2004 | 38.9% | $870.52 Million | $2.24 Billion | $1.37 Billion | ▲ +1.3 pp |
| 2003 | 37.6% | $702.33 Million | $1.87 Billion | $1.17 Billion | ▲ +0.1 pp |
| 2002 | 37.5% | $542.56 Million | $1.45 Billion | $905.80 Million | ▲ +3.2 pp |
| 2001 | 34.2% | $505.73 Million | $1.48 Billion | $971.49 Million | ▲ +8.7 pp |
| 2000 | 25.5% | $362.39 Million | $1.42 Billion | $1.06 Billion | ▲ +5.5 pp |
| 1999 | 20.0% | $260.07 Million | $1.30 Billion | $1.04 Billion | ▼ -7.0 pp |
| 1998 | 27.0% | $294.81 Million | $1.09 Billion | $796.20 Million | — |