Bread Financial Holdings, Inc. (BFH) — Net Asset Quality Index
Bread Financial Holdings, Inc. (BFH) has a Net Asset Quality Index of 14.9% as of March 2026. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $22.31 Billion minus total liabilities of $18.98 Billion yields net assets of $3.33 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Read BFH liabilities breakdown for a breakdown of total debt and financial obligations.
Quality Index
Net Assets
Total Assets
Total Liabilities
Bread Financial Holdings, Inc. Net Asset Quality Index Over Time (1998–2025)
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 March 2026, the index stands at 14.9%, representing net assets of $3.33 Billion against total assets of $22.31 Billion USD. For live market cap and overall valuation, see BFH market cap.
Annual Net Asset Quality Index for Bread Financial Holdings, Inc. (1998–2025)
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. Check Bread Financial Holdings, Inc. (BFH) strategic investment index to assess the company's strategic physical and investment asset allocation.
| 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 | — |