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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Bread Financial Holdings's Total Liabilities for the quarter that ended in Jun. 2026 was $19,087 Mil. Bread Financial Holdings's Total Assets for the quarter that ended in Jun. 2026 was $22,452 Mil.
Therefore, Bread Financial Holdings's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.85.
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Bread Financial Holdings Liabilities-to-Assets Related Terms
Bread Financial Holdings Liabilities-to-Assets Historical Data
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The historical data trend for Bread Financial Holdings's Liabilities-to-Assets can be seen below:
* 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.
BFH vs SLM, NNI, SEZL: Liabilities-to-Assets Comparison
For the Credit Services subindustry, Bread Financial Holdings's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bread Financial Holdings Liabilities-to-Assets vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Bread Financial Holdings's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Bread Financial Holdings's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Bread Financial Holdings's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
* 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 (BFH) has a Liabilities-to-Assets of 0.85 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Bread Financial Holdings and its competitors.
Is Bread Financial Holdings' Liabilities-to-Assets too high?
Bread Financial Holdings' current Liabilities-to-Assets is 0.85. Overall, Bread Financial Holdings has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bread Financial Holdings' Liabilities-to-Assets compare to SLM and NNI?
Bread Financial Holdings' Liabilities-to-Assets of 0.85 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Credit Services company?
A good Liabilities-to-Assets depends on the Credit Services industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Bread Financial Holdings and its competitors. Bread Financial Holdings's current Liabilities-to-Assets is 0.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bread Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, Bread Financial Holdings (BFH) is currently considered Significantly Overvalued. The stock's GF Value™ is $58.38, compared to a current price of $103.18 — trading 76.7% above its estimated fair value. The current Liabilities-to-Assets is 0.85. Bread Financial Holdings' overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Bread Financial Holdings (BFH), the current Liabilities-to-Assets is 0.85 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bread Financial Holdings (BFH) Overvalued in 2026?
Based on GuruFocus' analysis, Bread Financial Holdings stock appears to be overvalued.
The current stock price of $103.18 is trading 76.7% above its estimated GF Value™ of $58.38.
GuruFocus considers Bread Financial Holdings to be Significantly Overvalued.
Key valuation signals for BFH:
Liabilities-to-Assets: 0.85
GF Value™: $58.38 vs. price of $103.18 (76.7% above fair value)
No single metric tells the full story. See the BFH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.
61GF Score
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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