Bread Financial Holdings, Inc. (BFH)

Bread Financial Holdings Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	3,451	3,590	3,891	3,046	2,796	3,874
Investment Securities	277	253	227	289	225	-
Total Investments	277	253	227	289	225	-
Gross Loans	17,933	18,962	21,058	17,175	16,784	19,463
Allowance for Loan Losses	-2,190	-2,328	-2,464	-1,832	-2,008	-1,171
Net Loans	15,743	16,634	18,594	15,343	14,776	18,292
Property, Plant & Equipment	148	265	283	312	332	546.6
Goodwill	-	601	634	634	634	954.9
Other Intangible Assets	754	161	165	53	77	153.3
Loans Held for Sale	-	-	-	-	-	408
Accrued Interest Receivable	-	371	307	224	-	-
Other Receivables	-	144	164	151	114	451.1
Restricted Cash	-	26	36	877	323	83.7
Other Current Assets	-	-	-	-	2,463	1,004
Long-Term Deferred Tax Assets	-	629	552	302	289	45.2
Other Long-Term Assets	1,363	182	210	151	207	682.1
Total Assets	21,736	23,141	25,407	21,746	22,547	26,495
Accounts Payable	-	422	398	291	354	300.8
Accrued Expenses	-	273	306	314	384	309.7
Interest Bearing Deposits	12,847	13,594	13,787	11,027	9,793	12,152
Non-Interest Bearing Deposits	-	26	39	-	-	-
Total Deposits	12,847	13,620	13,826	11,027	9,793	12,152
Short-Term Borrowings	-	-	-	-	-	0.3
Current Portion of Long-Term Debt	-	260	6,115	-	-	3,132
Current Portion of Leases	-	24	-	-	-	22.6
Current Income Taxes Payable	-	-	-	-	-	18.1
Other Current Liabilities	-	-	-	-	1,357	215.2
Long-Term Debt	4,584	5,032	1,892	7,439	8,516	7,002
Long-Term Leases	-	124	126	140	172	291.7
Long-Term Unearned Revenue	-	-	-	-	-	114.1
Long-Term Deferred Tax Liabilities	-	-	-	-	-	80
Other Long-Term Liabilities	1,193	468	479	449	449	337.7
Total Liabilities	18,624	20,223	23,142	19,660	21,025	24,907
Common Stock	3,112	1	1	1	1	1.1
Additional Paid-In Capital	-	2,169	2,192	2,174	3,427	3,258
Retained Earnings	-	767	93	-87	4,832	5,163
Treasury Stock	-	-	-	-	-6,733	-6,734
Comprehensive Income & Other	-	-19	-21	-2	-5	-99.9
Total Common Equity	3,112	2,918	2,265	2,086	1,522	1,588
Shareholders' Equity	3,112	2,918	2,265	2,086	1,522	1,588
Total Liabilities & Equity	21,736	23,141	25,407	21,746	22,547	26,495
Total Debt	4,584	5,440	8,133	7,579	8,688	10,449
Net Cash (Debt)	-1,133	-1,850	-4,242	-4,533	-5,892	-6,574
Net Cash Per Share	-22.63	-37.00	-84.84	-90.66	-123.01	-129.16
Filing Date Shares Outstanding	49.7	49.42	50.12	49.95	49.7	47.63
Total Common Shares Outstanding	49.7	49.3	49.9	49.9	49.7	47.6
Book Value Per Share	62.62	59.19	45.39	41.80	30.62	33.37
Tangible Book Value	2,358	2,156	1,466	1,399	811	480.1
Tangible Book Value Per Share	47.44	43.73	29.38	28.04	16.32	10.09

Source: S&P Capital IQ. Banks template. Financial Sources.