Bread Financial Holdings (FRA:LID) Scaled Net Operating Assets : 0.16 (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 €16,868 Mil. Bread Financial Holdings's operating liabilities for the quarter that ended in Mar. 2024 was €13,446 Mil. Bread Financial Holdings's Total Assets for the quarter that ended in Dec. 2023 was €21,220 Mil. Therefore, Bread Financial Holdings's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2024 was 0.16.

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 )
=	(17928.267	-	13556.011)	/	23984.208
=	0.18

where

	Operating Assets		(A: Dec. 2023 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	21220.297	-	3292.03
=	17928.267

	Operating Liabilities		(A: Dec. 2023 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	18544.491	-	4988.48	-	0
=	13556.011

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 )
=	(16868.2	-	13445.8)	/	21220.297
=	0.16

where

	Operating Assets		(Q: Mar. 2024 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	20515.08	-	3646.88
=	16868.2

	Operating Liabilities		(Q: Mar. 2024 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	17725.64	-	4279.84	-	0
=	13445.8

* 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.

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Bread Financial Holdings (FRA:LID) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Bread Financial Holdings Inc (FRA:LID) » Definitions » Scaled Net Operating Assets

Comparable Companies

Traded in Other Exchanges

BFH:USA 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.