Bread Financial Holdings, Inc. (BFH)

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	518	277	718	223	801
Depreciation & Amortization	50	55	56	45	123
Other Amortization	121	148	178	178	106
Provision for Credit Losses	1,242	1,397	1,229	1,594	544
Change in Other Net Operating Assets	-39	-67	28	-47	-41
Other Operating Activities	147	6	-36	-178	-9
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%
Cash Acquisitions	-	-	-	-	-75
Investment in Securities	-2	-17	-36	-13	-20
Net Decrease (Increase) in Loans Originated / Sold - Investing	-1,345	-1,116	872	-5,026	-1,403
Other Investing Activities	-24	-36	-48	-72	-193
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 Debt Issued (Repaid)	-1,317	69	-2,696	560	-434
Repurchase of Common Stock	-313	-55	-35	-12	-
Preferred Stock Issued	71	-	-	-	-
Common Dividends Paid	-42	-43	-42	-43	-42
Net Increase (Decrease) in Deposit Accounts	835	-541	-209	2,778	1,228
Other Financing Activities	-41	-22	-104	-16	-144
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%
Free Cash Flow Margin	80.37%	76.16%	64.94%	82.80%	56.56%
Free Cash Flow Per Share	43.95	36.88	39.74	36.96	30.86
Cash Interest Paid	868	922	861	466	357
Cash Income Tax Paid	53	227	292	338	325

Updated Jan 29, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q