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
Bread Financial Holdings: TBV Has Nearly Tripled, Trading At Nearly 57% Discount To Peers
Nov 11Bread Financial Holdings (NYSE:BFH) Has Announced A Dividend Of $0.21
Oct 27
Bread Financial: Still Bullish Via Put Option Sales
Aug 22Bread Financial Holdings (NYSE:BFH) Has Affirmed Its Dividend Of $0.21
Jul 28Bread Financial: Upside Potential Beyond 52 Week High
May 28Consumer Spending Remains Strong, Sticking With Bread Financial
Feb 14Bread Financial Holdings (NYSE:BFH) Is Paying Out A Dividend Of $0.21
Jan 28There'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 28Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BFH's Assets to Equity ratio (7x) is low.
Allowance for Bad Loans: BFH has a sufficient allowance for bad loans (206%).
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 (72%).
Low Risk Deposits: BFH's Loans to Deposits ratio (123%) is appropriate.
Level of Bad Loans: BFH has a high level of bad loans (5.9%).