Bread Financial Holdings, Inc. (BFH)

NYSE: BFH · Real-Time Price · USD

108.70

+0.38 (0.35%)

Aug 10, 2026, 11:33 AM EDT - Market open

Bread Financial Holdings Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Cash & Equivalents	3,683	3,604	3,679	3,590	3,891	3,046
Securities and Investments	288	284	266	253	221	239
Gross Loans	18,477	18,805	18,896	19,333	21,365	17,399
Allowance for Loan Losses	-2,075	-2,106	-2,241	-2,328	-2,464	-1,832
Net Loans	16,402	16,699	16,655	17,005	18,901	15,567
Net Property, Plant & Equipment	104	117	142	167	195	215
Goodwill	701	716	746	762	799	687
Other Non-Earning Assets	1,274	1,243	1,403	1,364	1,400	1,992
Total Assets	22,452	22,663	22,891	23,141	25,407	21,746

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Total Deposits	14,732	13,916	13,082	13,620	13,826	11,027
Long-Term Debt	3,285	4,308	5,557	5,292	8,007	7,439
Other Liabilities	1,070	1,112	1,201	1,311	1,309	1,194
Total Liabilities	19,087	19,336	19,840	20,223	23,142	19,660

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Common Stock	-	-	1	1	1	1
Additional Paid-in Capital	1,603	1,868	2,073	2,169	2,192	2,174
Accumulated Other Comprehensive Income	-17	-16	-22	-19	-21	-2
Retained Earnings	1,779	1,475	999	767	93	-87
Shareholders' Equity	3,365	3,327	3,051	2,918	2,265	2,086
Total Liabilities & Equity	22,452	22,663	22,891	23,141	25,407	21,746

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Total Debt	3,285	4,308	5,557	5,292	8,007	7,439
Net Cash (Debt)	398	-704	-1,878	-1,702	-4,116	-4,393
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	8.97	-14.79	-37.26	-34.04	-82.32	-87.86
Book Value	3,365	3,327	3,051	2,918	2,265	2,086
Book Value Per Share	75.87	69.89	60.54	58.36	45.30	41.72
Tangible Book Value	2,664	2,611	2,305	2,156	1,466	1,399
Tangible Book Value Per Share	60.07	54.85	45.73	43.12	29.32	27.98

SEC Filings: 10-K · 10-Q