Bread Financial Holdings Cash Flow Statement

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
Net Income	518	277	718	223	801
Depreciation & Amortization	80	90	116	113	123
Stock-Based Compensation	56	54	44	33	29
Other Adjustments	1,494	1,531	1,056	1,459	625
Changes in Other Operating Activities	-56	-93	53	20	-35
Operating Cash Flow	2,092	1,859	1,987	1,848	1,543
Operating Cash Flow Growth	12.53%	-6.44%	7.52%	19.77%	-18.06%
Purchases of Investments	-22	-31	-50	-43	-93
Proceeds from Sale of Investments	20	14	14	30	73
Payments for Business Acquisitions	-	-	-	-	-75
Other Investing Activities	-1,369	-1,152	824	-5,098	-1,596
Investing Cash Flow	-1,371	-1,169	788	-5,111	-1,691
Long-Term Debt Issued	1,825	2,690	3,993	4,466	4,968
Long-Term Debt Repaid	-3,142	-2,621	-6,689	-3,906	-5,402
Net Long-Term Debt Issued (Repaid)	-1,317	69	-2,696	560	-434
Repurchase of Common Stock	-313	-55	-35	-12	-
Net Common Stock Issued (Repurchased)	-313	-55	-35	-12	-
Issuance of Preferred Stock	71	-	-	-	-
Net Preferred Stock Issued (Repurchased)	71	-	-	-	-
Common Dividends Paid	-42	-43	-42	-43	-42
Other Financing Activities	794	-563	-313	2,762	1,084
Financing Cash Flow	-807	-592	-3,086	3,267	608
Net Cash Flow	-86	98	-311	4	460
Free Cash Flow	2,092	1,859	1,987	1,848	1,543
Free Cash Flow Growth	12.53%	-6.44%	7.52%	19.77%	-15.64%
FCF Margin	54.41%	48.44%	46.33%	48.30%	47.16%
Free Cash Flow Per Share	43.95	36.88	39.74	36.96	30.86
Levered Free Cash Flow	-775	343	-1,809	916	455
Unlevered Free Cash Flow	-178.47	-426.99	236.76	-18.57	592.61

Updated Dec 31, 2025. Data Source: Fiscal.ai. Standard template. Financial Sources.