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Bread Financial Holdings (Bread Financial Holdings) Scaled Net Operating Assets : 0.17 (As of Mar. 2024)


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What is Bread Financial Holdings Scaled Net Operating Assets?

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Bread Financial Holdings's operating assets for the quarter that ended in Mar. 2024 was $18,510 Mil. Bread Financial Holdings's operating liabilities for the quarter that ended in Mar. 2024 was $14,615 Mil. Bread Financial Holdings's Total Assets for the quarter that ended in Dec. 2023 was $23,141 Mil. Therefore, Bread Financial Holdings's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2024 was 0.17.

Bread Financial Holdings Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Bread Financial Holdings's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2023 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2023 )
=(Operating Assets (A: Dec. 2023 )-Operating Liabilities (A: Dec. 2023 ))/Total Assets (A: Dec. 2022 )
=(19551-14783)/25407
=0.19

where

Operating Assets(A: Dec. 2023 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=23141 - 3590
=19551

Operating Liabilities(A: Dec. 2023 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=20223 - 5440 - 0
=14783

Bread Financial Holdings's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2024 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2024 )
=(Operating Assets (Q: Mar. 2024 )-Operating Liabilities (Q: Mar. 2024 ))/Total Assets (Q: Dec. 2023 )
=(18510-14615)/23141
=0.17

where

Operating Assets(Q: Mar. 2024 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=22299 - 3789
=18510

Operating Liabilities(Q: Mar. 2024 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=19267 - 4652 - 0
=14615

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bread Financial Holdings Scaled Net Operating Assets Related Terms

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Bread Financial Holdings (Bread Financial Holdings) Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Bread Financial Holdings Inc (NYSE:BFH) » Definitions » Scaled Net Operating Assets
Comparable Companies
ENVA NAVI AGM.A OCSL FINV UPST LU PRAA LC WRLD V MA AXP PYPL COF BOM:500034 IST:QNBFL DFS BOM:543257 SYF
Traded in Other Exchanges
A1LL34:Brazil
Address
3075 Loyalty Circle, Columbus, OH, USA, 43219
Website
https://www.breadfinancial.com
Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Financial is a provider of private label and co-branded credit cards, loyalty programs, and marketing services. The company's most financially significant unit is its credit card business that partners with retailers to jointly market Bread's credit cards to their customers. The company also retains minority interest in its recently spun-off LoyaltyOne division, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.
Executives
Turtle Creek Asset Management Inc. 10 percent owner SCOTIA PLAZA, 40 KING STREET WEST, SUITE 5100, TORONTO A6 M5H 3Y2
Roger H Ballou director C/O CDI CORP, 1717 ARCH ST 35TH FL, PHILADELPHIA PA 19103
Clair Joyce St director 50 S LA SALLE ST, CHICAGO IL 60603
Valerie E Greer officer: EVP, Chief Comm'l Off'r, Card 7500 DALLAS PARKWAY, SUITE 700, PLANO TX 75024
Perry S Beberman officer: EVP, Chief Financial Officer 7500 DALLAS PARKWAY, SUITE 700, PLANO TX 75024
Ralph J Andretta director, officer: President and CEO 7500 DALLAS PARKWAY, SUITE 700, PLANO TX 75024
Timothy J Theriault director 50 LA SALLE STREET, CHICAGO IL 60675
John C Gerspach director C/O CORPORATE LAW DEP'T, CITIGOUP INC., 388 GREENWICH STREET, 17TH FLOOR, NEW YORK NY 10013
Jonathan Bryan Campbell officer: SVP, Chief Acctg. Officer 7500 DALLAS PARKWAY, SUITE 700, PLANO TX 75024
Laurie Anne Tucker director 65 MARYS CREEK COVE NORTH, EADS TN 38028
Rajesh Natarajan director 7500 DALLAS PARKWAY, SUITE 700, PLANO TX 75024
Sharen J Turney director THREE LIMITED PARKWAY, COLUMBUS OH 43230
Karin Kimbrough director C/O FANNIE MAE, 1100 15TH STREET NW, WASHINGTON DC 20005
Charles L Horn officer: EVP & Senior Advisor BUILDERS FIRSTSOURCE INC., 2001 BRYAN STREET, SUITE 1600, DALLAS TX 75201
Laura Santillan officer: SVP, Chief Acctg. Officer 17655 WATERVIEW PARKWAY, DALLAS TX 75252