Bread Financial Holdings, Inc. Working Capital to Net Assets Ratio
Bread Financial Holdings, Inc. working capital to net assets ratio. Bread Financial Holdings, Inc. (BFH) has a Working Capital to Net Assets ratio of -313.9% as of March 2026. Working capital of $-10.44 Billion (current assets of $3.64 Billion minus current liabilities of $14.07 Billion) is measured against net assets of $3.33 Billion. A higher ratio indicates strong short-term liquidity financed by the equity base. Check Bread Financial Holdings, Inc. (BFH) tangible net worth to evaluate the tangible quality of the company's equity base.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Working Capital to Net Assets Ratio of Bread Financial Holdings, Inc. (2000–2025)
Working capital to net assets ratio of Bread Financial Holdings, Inc. from 2000 to 2025. This chart shows how Bread Financial Holdings, Inc.'s Working Capital to Net Assets ratio has evolved across 26 annual periods from 2000 to 2025. As of March 2026, the ratio stands at -313.9%, reflecting working capital of $-10.44 Billion against net assets of $3.33 Billion USD. See Bread Financial Holdings, Inc. (BFH) liquidity interval to measure how many days the company can operate on defensive assets alone.
Bread Financial Holdings, Inc. Working Capital to Net Assets Ratio by Year (2000–2025)
Bread Financial Holdings, Inc. working capital to net assets ratio by year from 2000 to 2025. The table below presents the year-by-year Working Capital to Net Assets ratio for Bread Financial Holdings, Inc. from 2000 to 2025, covering 26 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For the complete balance sheet picture, see balance sheet size of Bread Financial Holdings, Inc..
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -322.7% | $-10.74 Billion | $3.33 Billion | $3.95 Billion | $14.68 Billion | ▲ +2.5 pp |
| 2024 | -325.3% | $-9.92 Billion | $3.05 Billion | $4.03 Billion | $13.95 Billion | ▲ +40.4 pp |
| 2023 | -365.7% | $-10.67 Billion | $2.92 Billion | $3.93 Billion | $14.60 Billion | ▼ -531.3 pp |
| 2022 | 165.7% | $3.75 Billion | $2.27 Billion | $4.15 Billion | $398.00 Million | ▼ -222.1 pp |
| 2021 | 387.8% | $8.09 Billion | $2.09 Billion | $19.86 Billion | $11.77 Billion | ▼ -765.4 pp |
| 2020 | 1153.2% | $17.55 Billion | $1.52 Billion | $18.55 Billion | $1.00 Billion | ▼ -219.4 pp |
| 2019 | 1372.6% | $22.25 Billion | $1.62 Billion | $23.18 Billion | $922.00 Million | ▲ +805.4 pp |
| 2018 | 567.2% | $13.23 Billion | $2.33 Billion | $24.71 Billion | $11.48 Billion | ▼ -141.8 pp |
| 2017 | 709.0% | $13.15 Billion | $1.86 Billion | $23.30 Billion | $10.15 Billion | ▲ +168.2 pp |
| 2016 | 540.8% | $8.97 Billion | $1.66 Billion | $18.20 Billion | $9.23 Billion | ▲ +88.5 pp |
| 2015 | 452.3% | $9.85 Billion | $2.18 Billion | $16.25 Billion | $6.40 Billion | ▲ +166.9 pp |
| 2014 | 285.3% | $7.51 Billion | $2.63 Billion | $13.81 Billion | $6.31 Billion | ▼ -402.8 pp |
| 2013 | 688.1% | $5.89 Billion | $855.76 Million | $10.40 Billion | $4.51 Billion | ▼ -87.6 pp |
| 2012 | 775.7% | $4.10 Billion | $528.49 Million | $9.13 Billion | $5.03 Billion | ▼ -788.1 pp |
| 2011 | 1563.8% | $2.75 Billion | $175.97 Million | $6.61 Billion | $3.86 Billion | ▼ -8254.1 pp |
| 2010 | 9817.9% | $2.27 Billion | $23.09 Million | $6.13 Billion | $3.86 Billion | ▲ +9733.8 pp |
| 2009 | 84.1% | $229.49 Million | $272.78 Million | $2.36 Billion | $2.13 Billion | ▲ +88.6 pp |
| 2008 | -4.5% | $-24.70 Million | $547.30 Million | $1.92 Billion | $1.95 Billion | ▼ -2.7 pp |
| 2007 | -1.8% | $-21.88 Million | $1.20 Billion | $1.99 Billion | $2.01 Billion | ▼ -42.2 pp |
| 2006 | 40.3% | $432.25 Million | $1.07 Billion | $1.31 Billion | $877.72 Million | ▲ +41.0 pp |
| 2005 | -0.7% | $-6.12 Million | $921.11 Million | $1.04 Billion | $1.05 Billion | ▼ -7.2 pp |
| 2004 | 6.5% | $56.73 Million | $870.52 Million | $617.35 Million | $560.62 Million | ▼ -7.9 pp |
| 2003 | 14.4% | $101.29 Million | $702.33 Million | $581.31 Million | $480.02 Million | ▲ +20.8 pp |
| 2002 | -6.4% | $-34.67 Million | $542.56 Million | $388.94 Million | $423.61 Million | ▼ -13.1 pp |
| 2001 | 6.7% | $33.77 Million | $505.73 Million | $463.50 Million | $429.73 Million | ▼ -2.1 pp |
| 2000 | 8.8% | $31.94 Million | $362.39 Million | $524.35 Million | $492.41 Million | — |