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
Recent updates
Consumer Spending Remains Strong, Sticking With Bread Financial
Feb 14Bread Financial Holdings (NYSE:BFH) Is Paying Out A Dividend Of $0.21
Jan 28
There's No Escaping Bread Financial Holdings, Inc.'s (NYSE:BFH) Muted Earnings Despite A 28% Share Price Rise
Dec 22Bread Financial: Dirt Cheap With Some Caveats
Nov 21Bread Financial Holdings' (NYSE:BFH) Dividend Will Be $0.21
Oct 29Here's Why We Think Bread Financial Holdings (NYSE:BFH) Is Well Worth Watching
Sep 27Bread Financial: A Spooky Macro, But A Continued Strong Valuation With A Better Chart
Sep 08Bread Financial Holdings (NYSE:BFH) Will Pay A Dividend Of $0.21
Jul 30Bread Financial Holdings: Weathering The Storm
Jun 21Bread Financial delinquency rate climbs closer to pre-pandemic levels
Feb 14Bread Financial Holdings (NYSE:BFH) Is Due To Pay A Dividend Of $0.21
Jan 29Bread: Sustaining Growth Remains Uncertain, But Stability Assured
Jan 25Bread Financial's credit card metrics hold steady in November
Dec 15Bread Financial net charge-off rate jumps in October, delinquencies edge down
Nov 15Bread Financial Holdings Q3 2022 Earnings Preview
Oct 26Bread Financial August delinquency rate, net charge offs rise M/M, Y/Y
Sep 15Bread Financial Holdings (NYSE:BFH) Will Pay A Dividend Of $0.21
Aug 01Bread Financial, AAA sign multi-year agreement for delivering credit card program
Jul 28Bread Financial Holdings' (NYSE:BFH) Dividend Will Be US$0.21
May 01Alliance Data Systems (NYSE:ADS) Has Re-Affirmed Its Dividend Of US$0.21
Feb 05Alliance Data Systems (NYSE:ADS) Has A Somewhat Strained Balance Sheet
Feb 05Alliance Data Systems: M&A And New Enhanced Digital Suite Justify Upside Potential In The Stock Price
Jan 23Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BFH's Assets to Equity ratio (7.4x) is low.
Allowance for Bad Loans: BFH has a sufficient allowance for bad loans (200%).
Low Risk Liabilities: 69% of BFH's liabilities are made up of primarily low risk sources of funding.
Loan Level: BFH has an appropriate level of Loans to Assets ratio (71%).
Low Risk Deposits: BFH's Loans to Deposits ratio (120%) is appropriate.
Level of Bad Loans: BFH has a high level of bad loans (6.1%).