Bread Financial Holdings, Inc. (FRA:LID)

Bread Financial Holdings Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	3,799	3,679	3,590	3,891	3,046	2,796
Investment Securities	277	266	253	227	289	225
Total Investments	277	266	253	227	289	225
Gross Loans	17,290	18,518	18,962	21,058	17,175	16,784
Allowance for Loan Losses	-2,098	-2,241	-2,328	-2,464	-1,832	-2,008
Net Loans	15,192	16,277	16,634	18,594	15,343	14,776
Property, Plant & Equipment	127	229	265	283	312	332
Goodwill	-	634	634	634	634	634
Other Intangible Assets	731	112	128	165	53	77
Accrued Interest Receivable	366	378	371	307	224	-
Other Receivables	-	145	144	164	151	114
Restricted Cash	19	35	26	36	877	323
Other Current Assets	-	-	-	-	-	2,463
Long-Term Deferred Tax Assets	-	708	629	552	302	289
Other Long-Term Assets	1,310	200	182	210	151	207
Total Assets	21,821	22,891	23,141	25,407	21,746	22,547
Accounts Payable	-	326	422	398	291	354
Accrued Expenses	-	295	273	306	314	384
Interest Bearing Deposits	12,700	12,481	13,085	13,787	11,027	9,793
Institutional Deposits	612	574	509	-	-	-
Non-Interest Bearing Deposits	28	27	26	39	-	-
Total Deposits	13,340	13,082	13,620	13,826	11,027	9,793
Current Portion of Long-Term Debt	-	3,213	-	6,115	-	-
Current Portion of Leases	-	24	-	-	-	-
Other Current Liabilities	-	-	-	-	-	1,357
Long-Term Debt	4,227	2,344	5,292	1,892	7,439	8,516
Long-Term Leases	-	104	148	126	140	172
Other Long-Term Liabilities	1,088	452	468	479	449	449
Total Liabilities	18,655	19,840	20,223	23,142	19,660	21,025
Common Stock	1	1	1	1	1	1
Additional Paid-In Capital	1,929	2,073	2,169	2,192	2,174	3,427
Retained Earnings	1,255	999	767	93	-87	4,832
Treasury Stock	-	-	-	-	-	-6,733
Comprehensive Income & Other	-19	-22	-19	-21	-2	-5
Total Common Equity	3,166	3,051	2,918	2,265	2,086	1,522
Shareholders' Equity	3,166	3,051	2,918	2,265	2,086	1,522
Total Liabilities & Equity	21,821	22,891	23,141	25,407	21,746	22,547
Total Debt	4,227	5,685	5,440	8,133	7,579	8,688
Net Cash (Debt)	-428	-2,006	-1,850	-4,242	-4,533	-5,892
Net Cash Per Share	-8.62	-39.80	-37.00	-84.84	-90.66	-123.01
Filing Date Shares Outstanding	46.64	49.09	49.42	50.12	49.95	49.7
Total Common Shares Outstanding	46.6	49.1	49.3	49.9	49.9	49.7
Book Value Per Share	67.94	62.14	59.19	45.39	41.80	30.62
Tangible Book Value	2,435	2,305	2,156	1,466	1,399	811
Tangible Book Value Per Share	52.25	46.95	43.73	29.38	28.04	16.32

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