Bread Financial Holdings, Inc. (BFH)
NYSE: BFH · Real-Time Price · USD
105.74
-2.29 (-2.12%)
Aug 28, 2026, 4:00 PM EDT - Market closed
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 |
Investment Securities | 147 | 284 | 266 | 253 | 227 | 289 |
Total Investments | 288 | 284 | 266 | 253 | 227 | 289 |
Gross Loans | 18,091 | 18,427 | 18,518 | 18,962 | 21,058 | 17,175 |
Allowance for Loan Losses | -2,075 | -2,106 | -2,241 | -2,328 | -2,464 | -1,832 |
Net Loans | 16,016 | 16,321 | 16,277 | 16,634 | 18,594 | 15,343 |
Property, Plant & Equipment | 104 | 180 | 229 | 265 | 283 | 312 |
Goodwill | - | 634 | 634 | 634 | 634 | 634 |
Other Intangible Assets | 701 | 82 | 112 | 128 | 165 | 53 |
Accrued Interest Receivable | 386 | 378 | 378 | 371 | 307 | 224 |
Other Receivables | - | 148 | 145 | 144 | 164 | 151 |
Restricted Cash | 76 | 24 | 35 | 26 | 36 | 877 |
Long-Term Deferred Tax Assets | - | 616 | 708 | 629 | 552 | 302 |
Other Long-Term Assets | 1,198 | 187 | 200 | 182 | 210 | 151 |
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 |
Accounts Payable | - | 289 | 326 | 422 | 398 | 291 |
Accrued Expenses | - | 290 | 295 | 273 | 306 | 314 |
Interest Bearing Deposits | 13,972 | 13,253 | 12,524 | 13,085 | 13,787 | 11,027 |
Institutional Deposits | 736 | 638 | 531 | 509 | - | - |
Non-Interest Bearing Deposits | 24 | 25 | 27 | 26 | 39 | - |
Total Deposits | 14,732 | 13,916 | 13,082 | 13,620 | 13,826 | 11,027 |
Current Portion of Long-Term Debt | 1,449 | 1,713 | - | - | 6,115 | - |
Long-Term Debt | 1,836 | 2,595 | 5,557 | 5,292 | 1,892 | 7,439 |
Long-Term Leases | - | 85 | 128 | 148 | 126 | 140 |
Other Long-Term Liabilities | 1,070 | 448 | 452 | 468 | 479 | 449 |
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 |
Retained Earnings | 1,779 | 1,475 | 999 | 767 | 93 | -87 |
Comprehensive Income & Other | -17 | -16 | -22 | -19 | -21 | -2 |
Total Common Equity | 3,365 | 3,327 | 3,051 | 2,918 | 2,265 | 2,086 |
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 | 4,393 | 5,685 | 5,440 | 8,133 | 7,579 |
Net Cash (Debt) | 398 | -789 | -2,006 | -1,850 | -4,242 | -4,533 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | 8.97 | -16.58 | -39.80 | -37.00 | -84.84 | -90.66 |
Filing Date Shares Outstanding | 38.42 | 43.12 | 49.09 | 49.42 | 50.12 | 49.95 |
Total Common Shares Outstanding | 38.7 | 44.1 | 49.1 | 49.3 | 49.9 | 49.9 |
Book Value Per Share | 86.95 | 75.44 | 62.14 | 59.19 | 45.39 | 41.80 |
Tangible Book Value | 2,664 | 2,611 | 2,305 | 2,156 | 1,466 | 1,399 |
Tangible Book Value Per Share | 68.84 | 59.21 | 46.95 | 43.73 | 29.38 | 28.04 |