Bread Financial Holdings Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	3,604	3,679	3,590	3,891	3,046
Investment Securities	284	266	253	227	289
Total Investments	284	266	253	227	289
Gross Loans	18,805	18,518	18,962	21,058	17,175
Allowance for Loan Losses	-2,106	-2,241	-2,328	-2,464	-1,832
Net Loans	16,699	16,277	16,634	18,594	15,343
Property, Plant & Equipment	117	229	265	283	312
Goodwill	-	634	634	634	634
Other Intangible Assets	716	112	128	165	53
Accrued Interest Receivable	-	378	371	307	224
Other Receivables	-	145	144	164	151
Restricted Cash	-	35	26	36	877
Long-Term Deferred Tax Assets	-	708	629	552	302
Other Long-Term Assets	1,243	200	182	210	151
Total Assets	22,663	22,891	23,141	25,407	21,746
Accounts Payable	-	326	422	398	291
Accrued Expenses	-	295	273	306	314
Interest Bearing Deposits	13,916	12,481	13,085	13,787	11,027
Institutional Deposits	-	574	509	-	-
Non-Interest Bearing Deposits	-	27	26	39	-
Total Deposits	13,916	13,082	13,620	13,826	11,027
Current Portion of Long-Term Debt	-	3,213	-	6,115	-
Current Portion of Leases	-	24	-	-	-
Long-Term Debt	4,308	2,344	5,292	1,892	7,439
Long-Term Leases	-	104	148	126	140
Other Long-Term Liabilities	1,112	452	468	479	449
Total Liabilities	19,336	19,840	20,223	23,142	19,660
Common Stock	-	1	1	1	1
Additional Paid-In Capital	1,868	2,073	2,169	2,192	2,174
Retained Earnings	1,475	999	767	93	-87
Comprehensive Income & Other	-16	-22	-19	-21	-2
Total Common Equity	3,327	3,051	2,918	2,265	2,086
Shareholders' Equity	3,327	3,051	2,918	2,265	2,086
Total Liabilities & Equity	22,663	22,891	23,141	25,407	21,746
Total Debt	4,308	5,685	5,440	8,133	7,579
Net Cash (Debt)	-704	-2,006	-1,850	-4,242	-4,533
Net Cash Per Share	-14.79	-39.80	-37.00	-84.84	-90.66
Filing Date Shares Outstanding	44.1	49.09	49.42	50.12	49.95
Total Common Shares Outstanding	44.1	49.1	49.3	49.9	49.9
Book Value Per Share	75.44	62.14	59.19	45.39	41.80
Tangible Book Value	2,611	2,305	2,156	1,466	1,399
Tangible Book Value Per Share	59.21	46.95	43.73	29.38	28.04

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