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
Bread Financial Holdings, Inc. (BFH) - Total Assets
Latest total assets as of December 2025: $22.66 Billion USD
Based on the latest financial reports, Bread Financial Holdings, Inc. (BFH) holds total assets worth $22.66 Billion USD as of December 2025.
Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
Bread Financial Holdings, Inc. - Total Assets Trend (1998–2025)
This chart illustrates how Bread Financial Holdings, Inc.’s total assets have evolved over time, based on quarterly financial data. Explore and compare other companies by total assets.
Bread Financial Holdings, Inc. - Asset Composition Analysis
Current Asset Composition (December 2025)
Bread Financial Holdings, Inc.'s total assets of $22.66 Billion consist of 17.4% current assets and 82.6% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $3.60 Billion | 15.9% |
| Accounts Receivable | $148.00 Million | 0.7% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $117.00 Million | 0.5% |
| Intangible Assets | $82.00 Million | 0.4% |
| Goodwill | $634.00 Million | 2.8% |
Asset Composition Trend (1998–2025)
This chart illustrates how Bread Financial Holdings, Inc.'s asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Bread Financial Holdings, Inc.'s current assets represent 17.4% of total assets in 2025, an increase from 4.3% in 1998.
- Cash Position: Cash and equivalents constituted 15.9% of total assets in 2025, up from 4.3% in 1998.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 2.0% of total assets, an increase from 0.0% in 1998.
- Asset Diversification: The largest asset category is cash and equivalents at 15.9% of total assets.
Bread Financial Holdings, Inc. Competitors by Total Assets
Key competitors of Bread Financial Holdings, Inc. based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Pappajack Bhd
KLSE:0242
|
Malaysia | RM361.68 Million |
|
Evergreen Max Cash Capital Berhad
KLSE:0286
|
Malaysia | RM361.11 Million |
|
Samsung Card Co. Ltd.
KO:029780
|
Korea | ₩32.17 Trillion |
|
Yiren Digital Ltd
F:19YA
|
Germany | €14.45 Billion |
|
Yixin Group Limited
F:1YX
|
Germany | €50.34 Billion |
|
BFF Bank S.p.A
F:2BF
|
Germany | €12.13 Billion |
|
Resurs Holding AB (publ)
F:4R6
|
Germany | €50.33 Billion |
|
Aeon Credit Service Bhd
KLSE:5139
|
Malaysia | RM15.62 Billion |
Bread Financial Holdings, Inc. - Asset Efficiency Metrics
Asset efficiency metrics measure how effectively a company uses its assets to generate revenue and profits. These indicators help investors evaluate management's ability to deploy capital efficiently.
Asset Turnover Ratio
Measures how efficiently a company uses its assets to generate sales
Lower asset utilization - Bread Financial Holdings, Inc. generates 0.21x its asset value in annual revenue.
Return on Assets (ROA)
Measures how efficiently a company uses its assets to generate profits
Moderate ROA - For every $100 in assets, Bread Financial Holdings, Inc. generates $ 2.29 in net profit.
Bread Financial Holdings, Inc. - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 0.27 | 0.29 | 16.90 |
| Quick Ratio | 0.27 | 0.29 | 16.75 |
| Cash Ratio | 0.25 | 0.26 | 0.00 |
| Working Capital | $-10.74 Billion | $ -9.92 Billion | $ 16.25 Billion |
Bread Financial Holdings, Inc. - Advanced Valuation Insights
This section examines the relationship between Bread Financial Holdings, Inc.'s asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 0.94 |
| Latest Market Cap to Assets Ratio | 0.13 |
| Asset Growth Rate (YoY) | -1.0% |
| Total Assets | $22.66 Billion |
| Market Capitalization | $3.06 Billion USD |
Valuation Analysis
Below Book Valuation: The market values Bread Financial Holdings, Inc.'s assets below their book value (0.13 x), which may indicate investor concerns about asset quality or future growth.
Slight Asset Contraction: Bread Financial Holdings, Inc.'s assets decreased by 1.0% over the past year, which may reflect streamlining or optimization of resources.
Annual Total Assets for Bread Financial Holdings, Inc. (1998–2025)
The table below shows the annual total assets of Bread Financial Holdings, Inc. from 1998 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-12-31 | $22.66 Billion | -1.00% |
| 2024-12-31 | $22.89 Billion | -1.08% |
| 2023-12-31 | $23.14 Billion | -8.92% |
| 2022-12-31 | $25.41 Billion | +16.84% |
| 2021-12-31 | $21.75 Billion | -3.55% |
| 2020-12-31 | $22.55 Billion | -14.90% |
| 2019-12-31 | $26.49 Billion | -12.81% |
| 2018-12-31 | $30.39 Billion | -0.97% |
| 2017-12-31 | $30.68 Billion | +20.27% |
| 2016-12-31 | $25.51 Billion | +14.16% |
| 2015-12-31 | $22.35 Billion | +10.29% |
| 2014-12-31 | $20.26 Billion | +53.00% |
| 2013-12-31 | $13.24 Billion | +10.37% |
| 2012-12-31 | $12.00 Billion | +33.63% |
| 2011-12-31 | $8.98 Billion | +8.56% |
| 2010-12-31 | $8.27 Billion | +58.30% |
| 2009-12-31 | $5.23 Billion | +20.35% |
| 2008-12-31 | $4.34 Billion | +4.31% |
| 2007-12-31 | $4.16 Billion | +22.28% |
| 2006-12-31 | $3.40 Billion | +16.33% |
| 2005-12-31 | $2.93 Billion | +30.68% |
| 2004-12-31 | $2.24 Billion | +19.90% |
| 2003-12-31 | $1.87 Billion | +28.93% |
| 2002-12-31 | $1.45 Billion | -1.95% |
| 2001-12-31 | $1.48 Billion | +3.94% |
| 2000-12-31 | $1.42 Billion | +9.22% |
| 1999-12-31 | $1.30 Billion | +19.27% |
| 1998-12-31 | $1.09 Billion | -- |