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%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/21 00:12 |
| End of Day Share Price | 2025/01/21 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Bread Financial Holdings, Inc. is covered by 46 analysts. 13 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Kunaal Malde | Atlantic Equities LLP |
| Jeffrey Meuler | Baird |
| Darrin Peller | Barclays |