Bread Financial Holdings Balance Sheet Health
Financial Health criteria checks 5/6
Bread Financial Holdings has total assets of $22.3B and total equity of $3.0B. Total deposits are $13.3B, and total loans are $15.9B. It earns a Net Interest Margin of 19.5%. It has sufficient allowance for bad loans, which are currently at 6.1% of total loans. Cash and short-term investments are $3.8B.
Key information
7.4x
Asset to equity ratio
19.5%
Net interest margin
Total deposits | US$13.33b |
Loan to deposit ratio | Appropriate |
Bad loans | 6.1% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$3.79b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: A1LL34's Assets to Equity ratio (7.4x) is low.
Allowance for Bad Loans: A1LL34 has a sufficient allowance for bad loans (200%).
Low Risk Liabilities: 69% of A1LL34's liabilities are made up of primarily low risk sources of funding.
Loan Level: A1LL34 has an appropriate level of Loans to Assets ratio (71%).
Low Risk Deposits: A1LL34's Loans to Deposits ratio (120%) is appropriate.
Level of Bad Loans: A1LL34 has a high level of bad loans (6.1%).