Bread Financial Holdings, Inc. (FRA:LID)

Bread Financial Holdings Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	-	277	718	223	801
Depreciation & Amortization	-	55	56	45	123
Other Amortization	-	148	178	178	106
Provision for Credit Losses	-	1,397	1,229	1,594	544
Change in Other Net Operating Assets	-	-67	28	-47	-41
Other Operating Activities	-	6	-36	-178	-9
Operating Cash Flow	-	1,859	1,987	1,848	1,543
Operating Cash Flow Growth	-	-6.44%	7.52%	19.77%	-18.06%
Cash Acquisitions	-	-	-	-	-75
Investment in Securities	-	-17	-36	-13	-20
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-1,116	872	-5,026	-1,403
Other Investing Activities	-	-36	-48	-72	-193
Investing Cash Flow	-	-1,169	788	-5,111	-1,691
Long-Term Debt Issued	-	2,690	3,993	4,466	4,968
Long-Term Debt Repaid	-	-2,621	-6,689	-3,906	-5,402
Net Debt Issued (Repaid)	-	69	-2,696	560	-434
Repurchase of Common Stock	-	-55	-35	-12	-
Common Dividends Paid	-	-43	-42	-43	-42
Net Increase (Decrease) in Deposit Accounts	-	-541	-209	2,778	1,228
Other Financing Activities	-	-22	-104	-16	-144
Financing Cash Flow	-	-592	-3,086	3,267	608
Net Cash Flow	-	98	-311	4	460
Free Cash Flow	-	1,859	1,987	1,848	1,543
Free Cash Flow Growth	-	-6.44%	7.52%	19.77%	-15.64%
Free Cash Flow Margin	-	76.16%	64.94%	82.80%	56.56%
Free Cash Flow Per Share	-	36.88	39.74	36.96	30.86
Cash Interest Paid	-	922	861	466	357
Cash Income Tax Paid	-	227	292	338	325

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