Bread Financial Holdings, Inc. (BVMF:A1LL34)

Bread Financial Holdings Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	471	277	718	223	801	214
Depreciation & Amortization	48	55	56	45	123	91
Other Amortization	128	148	178	178	106	125
Total Asset Writedown	-	-	-	-	-	64
Provision for Credit Losses	1,286	1,397	1,229	1,594	544	1,266
Change in Other Net Operating Assets	-64	-67	28	-47	-41	283
Other Operating Activities	85	6	-36	-178	-9	-259
Net Cash from Discontinued Operations	-	-	-	-	-	78
Operating Cash Flow	2,003	1,859	1,987	1,848	1,543	1,883
Operating Cash Flow Growth	0.30%	-6.44%	7.52%	19.77%	-18.06%	54.60%
Capital Expenditures	-	-	-	-	-	-54
Cash Acquisitions	-	-	-	-	-75	-267
Investment in Securities	-2	-17	-36	-13	-20	37
Net Decrease (Increase) in Loans Originated / Sold - Investing	-1,190	-1,116	872	-5,026	-1,403	2,073
Other Investing Activities	-27	-36	-48	-72	-193	-15
Investing Cash Flow	-1,219	-1,169	788	-5,111	-1,691	1,774
Long-Term Debt Issued	-	2,690	3,993	4,466	4,968	3,695
Long-Term Debt Repaid	-	-2,621	-6,689	-3,906	-5,402	-5,416
Net Debt Issued (Repaid)	-848	69	-2,696	560	-434	-1,721
Repurchase of Common Stock	-234	-55	-35	-12	-	-
Common Dividends Paid	-42	-43	-42	-43	-42	-61
Net Increase (Decrease) in Deposit Accounts	688	-541	-209	2,778	1,228	-2,370
Other Financing Activities	-40	-22	-104	-16	-144	-15
Financing Cash Flow	-476	-592	-3,086	3,267	608	-4,167
Foreign Exchange Rate Adjustments	-	-	-	-	-	15
Net Cash Flow	308	98	-311	4	460	-495
Free Cash Flow	2,003	1,859	1,987	1,848	1,543	1,829
Free Cash Flow Growth	0.30%	-6.44%	7.52%	19.77%	-15.64%	69.98%
Free Cash Flow Margin	79.83%	76.16%	64.94%	82.80%	56.56%	90.01%
Free Cash Flow Per Share	41.09	36.88	39.74	36.96	30.86	38.18
Cash Interest Paid	922	922	861	466	357	488
Cash Income Tax Paid	227	227	292	338	325	268

Source: S&P Global Market Intelligence. Banks template. Financial Sources.