Bread Financial Holdings Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Net Income	285	277	718	223	801	214	Upgrade
Depreciation & Amortization	51	55	56	45	123	91	Upgrade
Other Amortization	133	148	178	178	106	125	Upgrade
Total Asset Writedown	-	-	-	-	-	64	Upgrade
Provision for Credit Losses	1,356	1,397	1,229	1,594	544	1,266	Upgrade
Change in Other Net Operating Assets	-96	-67	28	-47	-41	283	Upgrade
Other Operating Activities	82	6	-36	-178	-9	-259	Upgrade
Net Cash from Discontinued Operations	-	-	-	-	-	78	Upgrade
Operating Cash Flow	1,854	1,859	1,987	1,848	1,543	1,883	Upgrade
Operating Cash Flow Growth	-14.56%	-6.44%	7.52%	19.77%	-18.06%	54.60%	Upgrade
Capital Expenditures	-	-	-	-	-	-54	Upgrade
Cash Acquisitions	-	-	-	-	-75	-267	Upgrade
Investment in Securities	-6	-17	-36	-13	-20	37	Upgrade
Net Decrease (Increase) in Loans Originated / Sold - Investing	-1,422	-1,116	872	-5,026	-1,403	2,073	Upgrade
Other Investing Activities	-22	-36	-48	-72	-193	-15	Upgrade
Investing Cash Flow	-1,450	-1,169	788	-5,111	-1,691	1,774	Upgrade
Long-Term Debt Issued	-	2,690	3,993	4,466	4,968	3,695	Upgrade
Long-Term Debt Repaid	-	-2,621	-6,689	-3,906	-5,402	-5,416	Upgrade
Net Debt Issued (Repaid)	-727	69	-2,696	560	-434	-1,721	Upgrade
Repurchase of Common Stock	-194	-55	-35	-12	-	-	Upgrade
Common Dividends Paid	-43	-43	-42	-43	-42	-61	Upgrade
Net Increase (Decrease) in Deposit Accounts	344	-541	-209	2,778	1,228	-2,370	Upgrade
Other Financing Activities	-38	-22	-104	-16	-144	-15	Upgrade
Financing Cash Flow	-658	-592	-3,086	3,267	608	-4,167	Upgrade
Foreign Exchange Rate Adjustments	-	-	-	-	-	15	Upgrade
Net Cash Flow	-254	98	-311	4	460	-495	Upgrade
Free Cash Flow	1,854	1,859	1,987	1,848	1,543	1,829	Upgrade
Free Cash Flow Growth	-14.56%	-6.44%	7.52%	19.77%	-15.64%	69.98%	Upgrade
Free Cash Flow Margin	75.61%	76.16%	64.94%	82.80%	56.56%	90.01%	Upgrade
Free Cash Flow Per Share	37.34	36.88	39.74	36.96	30.86	38.18	Upgrade
Cash Interest Paid	922	922	861	466	357	488	Upgrade
Cash Income Tax Paid	227	227	292	338	325	268	Upgrade

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