Bread Financial Holdings Balance Sheet Health
Financial Health criteria checks 5/6
Bread Financial Holdings has total assets of $21.7B and total equity of $3.1B. Total deposits are $12.8B, and total loans are $15.7B. It earns a Net Interest Margin of 19.5%. It has sufficient allowance for bad loans, which are currently at 5.9% of total loans. Cash and short-term investments are $3.5B.
Key information
7x
Asset to equity ratio
19.5%
Net interest margin
| Total deposits | US$12.85b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 5.9% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$3.45b |
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 (7x) is low.
Allowance for Bad Loans: A1LL34 has a sufficient allowance for bad loans (206%).
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 (72%).
Low Risk Deposits: A1LL34's Loans to Deposits ratio (123%) is appropriate.
Level of Bad Loans: A1LL34 has a high level of bad loans (5.9%).