Can Bread Financial Holdings cover its short-term obligations?

Its current ratio is 1.50 — current assets exceed current liabilities.

Where does Bread Financial Holdings's balance sheet data come from?

Every line is extracted from Bread Financial Holdings's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

Bread Financial Holdings BFH Balance Sheet Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Cash and cash equivalents	$3.63B-2.3%	$3.71B+2.7%	$3.62B-7.9%	$3.93B+0.1%
Restricted cash	——	——	——	——
Accounts receivable, net	$18.39B-0.5%	$18.49B-2.3%	$18.93B-10.0%	$21.03B—
Trading assets	$221M+1.8%	$217M0.0%	$217M—	——
Property and equipment, net	$117M-17.6%	$142M-15.0%	$167M-14.4%	$195M-9.3%
Goodwill	$716M-4.0%	$746M-2.1%	$762M-4.6%	$799M+16.3%
Deferred tax assets	——	-$21M+36.4%	-$33M+69.4%	-$108M-209%
Other non-current assets	$1.24B-11.4%	$1.4B+2.9%	$1.36B-2.6%	$1.4B-29.7%
Long-term investments	$284M+6.8%	$266M+5.1%	$253M+14.5%	$221M-7.5%
Total investment securities	$221M+1.8%	$217M0.0%	$217M-1.8%	$221M—
Available-for-sale securities	$189M-3.1%	$195M+1.6%	$192M+9.7%	$175M—
Allowance for credit losses	$2.11B-6.0%	$2.24B-3.7%	$2.33B-5.5%	$2.46B+34.5%
Equity securities	$50M+6.4%	$47M+2.2%	$46M-33.3%	$69M—
Total assets	$22.66B-1.0%	$22.89B-1.1%	$23.14B-8.9%	$25.41B+16.8%
Deposits	$13.92B+6.4%	$13.08B-4.0%	$13.62B-1.5%	$13.83B+25.4%
Noninterest-bearing deposits	$25M-7.4%	$27M+3.8%	$26M-33.3%	$39M—
Savings deposits	$13.89B+6.4%	$13.06B-4.0%	$13.59B-1.4%	$13.79B—
Time deposits	$638M+11.1%	$574M+12.8%	$509M-29.2%	$719M—
Other non-current liabilities	$1.11B-7.4%	$1.2B-8.4%	$1.31B+0.2%	$1.31B+9.6%
Total liabilities	$19.34B-2.5%	$19.84B-1.9%	$20.22B-12.6%	$23.14B+17.7%
Preferred stock	$0—	$0—	——	——
Common stock	200M+19,900%	1M0.0%	1M0.0%	1M0.0%
Additional paid-in capital	$1.87B-9.9%	$2.07B-4.4%	$2.17B-1.0%	$2.19B+0.8%
Retained earnings	$1.48B+47.6%	$999M+30.2%	$767M+725%	$93M+207%
Accumulated other comprehensive income (loss)	-$16M+27.3%	-$22M-15.8%	-$19M+9.5%	-$21M-950%
Total stockholders' equity	$3.33B+9.0%	$3.05B+4.6%	$2.92B+28.8%	$2.27B+8.6%
Total liabilities and stockholders' equity	$22.66B-1.0%	$22.89B-1.1%	$23.14B-8.9%	$25.41B+16.8%
Available-for-Sale Debt Securities - Unrealized Loss Position (>=12 Months)	$135M-3.6%	$140M-0.7%	$141M+147%	$57M—
AFS and Trading Securities - Unrealized Loss Position (>=12 Months)	$135M-3.6%	$140M-0.7%	$141M+147%	$57M—
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value	$0-100%	$27M+17.4%	$23M-75.8%	$95M—
Available-for-Sale Debt Securities - Unrealized Loss Position (<12 Months)	$0-100%	$27M+17.4%	$23M-75.8%	$95M—
Available-for-Sale Debt Securities - Unrealized Loss Position	$18M-28.0%	$25M+19.0%	$21M-8.7%	$23M—
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Fair Value	$135M-3.6%	$140M-0.7%	$141M+147%	$57M—
AFS and Trading Securities - Unrealized Loss Position Fair Value	$135M-19.2%	$167M+1.8%	$164M+7.9%	$152M—
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value	$0-100%	$27M+17.4%	$23M-75.8%	$95M—
Total Cash, Cash Equivalents, and Restricted Cash (Inclusive)	——	——	——	——
Cash, Cash Equivalents, and Marketable Securities	$135M-19.2%	$167M+1.8%	$164M+7.9%	$152M—
Equipment Installment Plan Receivables, Gross	$18.39B-0.5%	$18.49B-2.3%	$18.93B-10.0%	$21.03B—
Financing Receivables	$18.39B-0.5%	$18.49B-2.3%	$18.93B-10.0%	$21.03B—
Unbilled Revenue	$378M0.0%	$378M+1.9%	$371M+20.8%	$307M—
Goodwill and Intangible Assets, Net	$716M-4.0%	$746M-2.1%	$762M-4.6%	$799M+16.3%
Financing Receivable, after Allowance for Credit Loss, Net	$16.7B+0.3%	$16.66B-2.1%	$17.01B-10.0%	$18.9B+21.4%
Total credit card and other loans (includes loans available to settle obligations of consolidated variable interest entities: March 31, 2026, $10,091; December 31, 2025, $10,708)	$18.81B-0.5%	$18.9B-2.3%	$19.33B—	——
Goodwill and intangible assets, net	$716M-4.0%	$746M-2.1%	$762M-4.6%	$799M+16.3%
Investments	$284M+6.8%	$266M+5.1%	$253M+14.5%	$221M-7.5%
Other Assets	$1.24B-11.4%	$1.4B+2.9%	$1.36B-2.6%	$1.4B-29.7%
Time Deposit Maturities - Year One	——	——	——	——
Time Deposit Maturities - Year Two	——	——	——	——
Time Deposit Maturities - Year Three	——	——	——	——
Time Deposit Maturities - Year Four	——	——	——	——
Time Deposits Above FDIC Insurance Limit	$638M+11.1%	$574M+12.8%	$509M-29.2%	$719M—
Debt Maturity - 2024	——	——	——	——
Debt Maturity - 2027	——	——	——	——
Long-Term Debt - Fair Value	$931M-14.2%	$1.09B-25.5%	$1.46B-17.2%	$1.76B—
Interest-Bearing Deposit Liabilities	$13.89B+6.4%	$13.06B-4.0%	$13.59B-1.4%	$13.79B—
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Accumulated Loss	$18M-28.0%	$25M+19.0%	$21M+50.0%	$14M—
Common Stock Par Value Per Share	$0.010.0%	$0.010.0%	$0.010.0%	$0.01—
Common Stock Shares Issued	44.1M-10.2%	49.1M-0.4%	49.3M-1.2%	49.9M—
Convertible Preferred Stock Authorized Shares	75K—	——	——	——
Convertible Preferred Stock Issued Shares	75K—	——	——	——
Convertible Preferred Stock Outstanding Shares	75K—	——	——	——
Additional paid-in capital	$1.87B-9.9%	$2.07B-4.4%	$2.17B-1.0%	$2.19B+0.8%
Common stock; $0.001 par value; 6,000 shares authorized; 3,755 and 3,751 shares issued and outstanding as of March 31, 2026 and December 31, 2025, respectively	$0-100%	$1M0.0%	$1M0.0%	$1M0.0%
Preferred stock; $0.001 par value; 100 shares authorized; no shares issued and outstanding	$0—	$0—	——	——
Investments - Gross Unrealized Losses	$135M-19.2%	$167M+1.8%	$164M+7.9%	$152M—
Preferred Stock Liquidation Preference Value	$75M—	——	——	——
Preferred Stock Par Value Per Share	$0.01—	——	——	——
Share Repurchase Authorization Limit	$240M—	——	——	——
Share Repurchase Program - Amount Remaining	$240M—	——	——	——
Unrealized Gains on Investments	$0—	$0—	$0—	$0—
Unrealized Losses on Investments (Before Tax)	$18M-28.0%	$25M+19.0%	$21M-8.7%	$23M—
Nonperforming Loans and Leases Percentage	$18.39B-0.5%	$18.49B-2.3%	$18.93B-10.0%	$21.03B—
Payments allocated to future purchase activity	——	——	——	——
Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax	$18M-28.0%	$25M+19.0%	$21M-8.7%	$23M—
Gross Unrealized Gains	$0—	$0—	$0—	$0—
Available for sale investments	$171M+0.6%	$170M-0.6%	$171M+12.5%	$152M—
Cash and cash equivalents, end of period	——	——	——	——
Common stock, par value (in dollars per share)	$0.010.0%	$0.010.0%	$0.010.0%	$0.01—
Common stock, shares authorized (in shares)	$200M0.0%	$200M0.0%	$200M0.0%	$200M—
Common stock, shares issued (in shares)	$44.1M-10.2%	$49.1M-0.4%	$49.3M-1.2%	$49.9M—
Common Stock, Shares, Outstanding	$44.1M—	——	——	——
Debt Instrument, Fair Value Disclosure	$931M-14.2%	$1.09B-25.5%	$1.46B-17.2%	$1.76B—
Debt Securities, Available-for-Sale, Allowance for Credit Loss	$0—	$0—	$0—	——
Debt Securities, Available-for-Sale, Amortized Cost, after Allowance for Credit Loss	$189M-3.1%	$195M+1.6%	$192M+9.7%	$175M—
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	$18M-28.0%	$25M+19.0%	$21M+50.0%	$14M—
Less than 12 months	$0-100%	$27M+17.4%	$23M-75.8%	$95M—
12 months or more	$135M-3.6%	$140M-0.7%	$141M+147%	$57M—
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	$0—	$0—	$0-100%	$9M—
Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss	$18M-28.0%	$25M+19.0%	$21M-8.7%	$23M—
Debt Securities, Available-for-Sale, Unrealized Loss Position	$135M-19.2%	$167M+1.8%	$164M+7.9%	$152M—
Delinquency rate	5.8%-0.1%	5.9%-0.6%	6.5%+1.0%	5.5%—
Equity method and other investments	$63M+28.6%	$49M+36.1%	$36M—	——
Financial Assets Without Readily Determinable Fair Value, Amount	$18.75B-1.4%	$19.01B-4.0%	$19.8B-7.2%	$21.33B—
Financial Liabilities Without Readily Determinable Fair Value, Amount	$18.3B-2.4%	$18.74B-1.0%	$18.94B-12.3%	$21.61B—
Credit card and other loans, net	$18.75B-1.4%	$19.01B-4.0%	$19.8B-7.2%	$21.33B—
Loans modified after 12 months	$325M+7.3%	$303M+12.6%	$269M-0.4%	$270M—
Investments Fair Value Disclosure	$221M+1.8%	$217M0.0%	$217M-1.8%	$221M—
Long-term and other debt	$886M-11.3%	$999M-28.3%	$1.39B-26.3%	$1.89B-4.7%
Debt issued by consolidated variable interest entities	$3.42B-24.9%	$4.56B+16.9%	$3.9B-36.3%	$6.12B+12.1%
Debt issued by consolidated VIEs	$3.44B-24.7%	$4.57B+17.2%	$3.9B-36.2%	$6.12B—
Percentage of financing receivable outstanding	0.1%—	——	——	0.6%—
Portfolio reserve rates	——	——	12%—	——
Preferred stock, liquidation preference, value	$75M—	——	——	——
Preferred Stock, Par or Stated Value Per Share	$0.01—	——	——	——
Preferred Stock, Shares Authorized	$75K—	——	——	——
Preferred Stock, Shares Issued	$75K—	——	——	——
Preferred Stock, Shares Outstanding	$75K—	——	——	——
Of which: principal amount of credit card loans 90 days or more past due	$257M-15.7%	$305M-5.6%	$323M+5.2%	$307M—
Total RWA	$19.76B—	——	——	——
Share Repurchase Program, Authorized, Amount	——	——	——	——
Share Repurchase Program, Remaining Authorized, Amount	$240M—	——	——	——
Thereafter	——	——	——	——
2026	——	——	——	——
Time Deposit Maturities, Year Four	——	——	——	——
2027	——	——	——	——
Time Deposit Maturities, Year Three	——	——	——	——
Time Deposit Maturities, Year Two	——	——	——	——
Time Deposits	——	——	——	——
Time Deposits, at or Above FDIC Insurance Limit	$638M+11.1%	$574M+12.8%	$509M-29.2%	$719M—
Time deposits, at or above FDIC insurance limit of total deposits	5%+1.0%	4%0.0%	4%-1.0%	5%—
Time deposits, unamortized debt discount	——	——	——	——
Unbilled Receivables	$378M0.0%	$378M+1.9%	$371M+20.8%	$307M—
Unused credit card lines available to cardholders	$98B-4.9%	$103B-8.8%	$113B-11.7%	$128B—

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Questions, answered.

Can Bread Financial Holdings cover its short-term obligations?: Its current ratio is 1.50 — current assets exceed current liabilities.
Where does Bread Financial Holdings's balance sheet data come from?: Every line is extracted from Bread Financial Holdings's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.