Bread Financial Holdings, Inc.

NYSE:BFH USA Credit Services
Market Cap
$3.10 Billion
Market Cap Rank
#3901 Global
#2492 in USA
Share Price
$71.94
Change (1 day)
+2.89%
52-Week Range
$41.88 - $81.25
All Time High
$165.62
Categories
Companies in USA Credit Services Banking & Financial
About

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

Bread Financial Holdings, Inc. (BFH) - Net Assets

Latest net assets as of December 2025: $3.33 Billion USD

Based on the latest financial reports, Bread Financial Holdings, Inc. (BFH) has net assets worth $3.33 Billion USD as of December 2025.

Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($22.66 Billion) and total liabilities ($19.34 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.

Key Net Assets Metrics

Metric Value
Current Net Assets $3.33 Billion
% of Total Assets 14.68%
Annual Growth Rate 9.39%
5-Year Change 59.49%
10-Year Change 100.64%
Growth Volatility 136.18

Bread Financial Holdings, Inc. - Net Assets Trend (1998–2025)

This chart illustrates how Bread Financial Holdings, Inc.'s net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.

Annual Net Assets for Bread Financial Holdings, Inc. (1998–2025)

The table below shows the annual net assets of Bread Financial Holdings, Inc. from 1998 to 2025.

Year Net Assets Change
2025-12-31 $3.33 Billion +9.05%
2024-12-31 $3.05 Billion +4.56%
2023-12-31 $2.92 Billion +28.83%
2022-12-31 $2.27 Billion +8.58%
2021-12-31 $2.09 Billion +37.09%
2020-12-31 $1.52 Billion -6.14%
2019-12-31 $1.62 Billion -30.48%
2018-12-31 $2.33 Billion +25.70%
2017-12-31 $1.86 Billion +11.89%
2016-12-31 $1.66 Billion -23.84%
2015-12-31 $2.18 Billion -17.27%
2014-12-31 $2.63 Billion +207.56%
2013-12-31 $855.76 Million +61.93%
2012-12-31 $528.49 Million +200.33%
2011-12-31 $175.97 Million +661.96%
2010-12-31 $23.09 Million -91.53%
2009-12-31 $272.78 Million -50.16%
2008-12-31 $547.30 Million -54.28%
2007-12-31 $1.20 Billion +11.71%
2006-12-31 $1.07 Billion +16.33%
2005-12-31 $921.11 Million +5.81%
2004-12-31 $870.52 Million +23.95%
2003-12-31 $702.33 Million +29.45%
2002-12-31 $542.56 Million +7.28%
2001-12-31 $505.73 Million +39.55%
2000-12-31 $362.39 Million +39.34%
1999-12-31 $260.07 Million -11.78%
1998-12-31 $294.81 Million --

Equity Component Analysis

This analysis shows how different components contribute to Bread Financial Holdings, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

  • Retained earnings have grown by 147500000000.0% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component Amount Percentage
Retained Earnings $1.48 Billion 44.33%
Other Comprehensive Income $-16.00 Million -0.48%
Other Components $1.87 Billion 56.15%
Total Equity $3.33 Billion 100.00%

Bread Financial Holdings, Inc. Competitors by Market Cap

The table below lists competitors of Bread Financial Holdings, Inc. ranked by their market capitalization.

Company Market Cap
COSCO SHIPPING Ports Limited
PINK:CSPKY
 		$3.06 Billion
Blackstone Mortgage Trust Inc
NYSE:BXMT
 		$3.06 Billion
Bosch Limited
NSE:BOSCHLTD
 		$3.06 Billion
Griffon Corporation
NYSE:GFF
 		$3.06 Billion
Treasury Wine Estates Ltd PK
PINK:TSRYY
 		$3.06 Billion
Ayala Land Inc
PINK:AYAAF
 		$3.06 Billion
LS Corp
KO:006260
 		$3.06 Billion
LB Group Co Ltd
SHE:002601
 		$3.06 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Bread Financial Holdings, Inc.'s equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2024 to 2025, total equity changed from 3,051,000,000 to 3,327,000,000, a change of 276,000,000 (9.0%).
  • Net income of 518,000,000 contributed positively to equity growth.
  • Dividend payments of 42,000,000 reduced retained earnings.
  • Share repurchases of 313,000,000 reduced equity.
  • New share issuances of 71,000,000 increased equity.
  • Other comprehensive income increased equity by 6,000,000.
  • Other factors increased equity by 36,000,000.

Equity Change Factors (2024 to 2025)

Factor Impact Contribution
Net Income $518.00 Million +15.57%
Dividends Paid $42.00 Million -1.26%
Share Repurchases $313.00 Million -9.41%
Share Issuances $71.00 Million +2.13%
Other Comprehensive Income $6.00 Million +0.18%
Other Changes $36.00 Million +1.08%
Total Change $- 9.05%

Book Value vs Market Value Analysis

This analysis compares Bread Financial Holdings, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

  • Current price-to-book ratio: 0.99x
  • The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
  • The price-to-book ratio has decreased from 10.18x to 0.99x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
1998-12-31 $7.06 $71.94 x
1999-12-31 $6.10 $71.94 x
2000-12-31 $7.62 $71.94 x
2001-12-31 $7.83 $71.94 x
2002-12-31 $7.11 $71.94 x
2003-12-31 $8.77 $71.94 x
2004-12-31 $10.36 $71.94 x
2005-12-31 $10.88 $71.94 x
2006-12-31 $13.12 $71.94 x
2007-12-31 $14.81 $71.94 x
2008-12-31 $7.43 $71.94 x
2009-12-31 $4.73 $71.94 x
2010-12-31 $0.41 $71.94 x
2011-12-31 $3.04 $71.94 x
2012-12-31 $8.24 $71.94 x
2013-12-31 $12.80 $71.94 x
2014-12-31 $38.40 $71.94 x
2015-12-31 $32.26 $71.94 x
2016-12-31 $28.15 $71.94 x
2017-12-31 $33.19 $71.94 x
2018-12-31 $42.32 $71.94 x
2019-12-31 $32.42 $71.94 x
2020-12-31 $31.77 $71.94 x
2021-12-31 $41.72 $71.94 x
2022-12-31 $45.30 $71.94 x
2023-12-31 $58.36 $71.94 x
2024-12-31 $60.54 $71.94 x
2025-12-31 $72.33 $71.94 x

Capital Efficiency Dashboard

This dashboard shows how efficiently Bread Financial Holdings, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

  • Current Return on Equity (ROE): 15.57%
  • The company demonstrates strong efficiency in generating profits from shareholder equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 11.02%
  • • Asset Turnover: 0.21x
  • • Equity Multiplier: 6.81x
  • Recent ROE (15.57%) is below the historical average (56.69%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
1998 -6.10% -4.38% 0.38x 3.70x $-47.47 Million
1999 -11.47% -5.12% 0.45x 5.00x $-55.85 Million
2000 -5.88% -3.14% 0.48x 3.92x $-57.56 Million
2001 -2.05% -1.34% 0.52x 2.92x $-60.93 Million
2002 4.36% 2.73% 0.60x 2.67x $-30.60 Million
2003 9.58% 6.43% 0.56x 2.66x $-2.94 Million
2004 11.76% 8.12% 0.56x 2.57x $15.32 Million
2005 15.06% 8.91% 0.53x 3.18x $46.63 Million
2006 17.69% 11.44% 0.49x 3.18x $82.45 Million
2007 13.71% 8.36% 0.47x 3.48x $44.36 Million
2008 37.71% 10.19% 0.47x 7.93x $151.67 Million
2009 52.69% 7.32% 0.38x 19.16x $116.46 Million
2010 838.91% 6.94% 0.34x 358.19x $191.43 Million
2011 179.17% 9.94% 0.35x 51.03x $297.69 Million
2012 79.90% 11.60% 0.30x 22.71x $369.41 Million
2013 57.98% 11.49% 0.33x 15.48x $410.59 Million
2014 21.13% 9.55% 0.26x 8.46x $266.66 Million
2015 29.68% 9.26% 0.29x 11.12x $395.50 Million
2016 31.11% 7.23% 0.28x 15.39x $349.98 Million
2017 42.51% 14.41% 0.18x 16.54x $603.17 Million
2018 41.30% 17.00% 0.19x 13.03x $729.89 Million
2019 17.15% 8.30% 0.13x 16.34x $115.88 Million
2020 14.06% 6.49% 0.15x 14.82x $61.84 Million
2021 38.40% 24.50% 0.15x 10.42x $592.40 Million
2022 9.85% 5.83% 0.15x 11.22x $-3.50 Million
2023 24.61% 16.74% 0.19x 7.93x $426.20 Million
2024 9.08% 7.22% 0.17x 7.50x $-28.10 Million
2025 15.57% 11.02% 0.21x 6.81x $185.30 Million

Industry Comparison

This section compares Bread Financial Holdings, Inc.'s net assets metrics with peer companies in the Credit Services industry.

Industry Context

  • Industry: Credit Services
  • Average net assets among peers: $42,167,772,618
  • Average return on equity (ROE) among peers: 3.49%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
Bread Financial Holdings, Inc. (BFH) $3.33 Billion -6.10% 5.81x $3.06 Billion
Accord Financial Corp (ACCFF) $103.96 Million 11.43% 4.00x $8.00 Million
Acom Co. Ltd (ACJJF) $306.73 Billion 3.47% 2.77x $799.50 Million
Affirm Holdings Inc (AFRM) $3.07 Billion 1.70% 2.63x $13.28 Billion
Federal Agricultural Mortgage Corporation (AGM) $47.20 Million 1.69% 11.77x $1.51 Billion
Aiful Corp (AIFLF) $97.47 Billion -37.44% 4.75x $852.52 Million
Jianpu Technology Inc (AIJTY) $520.74 Million 20.38% 0.93x $16.37 Million
AIOS Tech Inc. (AIOS) $40.53 Million 17.61% 0.35x $2.83 Million
Ally Financial Inc (ALLY) $13.49 Billion 6.88% 11.39x $10.34 Billion
Alpha Investment Inc (ALPC) $-38.66K 0.00% 0.00x $166.69 Million
Antalpha Platform Holding Co (ANTA) $202.32 Million 9.14% 10.90x $14.83 Million