Bread Financial Holdings Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

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
Net Income	570	518	277	718	223	801
Depreciation & Amortization	75	80	90	116	113	123
Provision for Credit Losses	1,288	1,242	1,397	1,229	1,594	544
Stock-Based Compensation	59	56	54	44	33	29
Other Adjustments	178	252	134	-173	-135	81
Changes in Other Operating Activities	-5	-56	-93	53	20	-35
Operating Cash Flow	2,193	2,092	1,859	1,987	1,848	1,543
Operating Cash Flow Growth	18.29%	12.53%	-6.44%	7.52%	19.77%	-18.06%
Net Change in Loans Held-for-Investment	-1,847	-1,345	-1,116	872	-5,026	-1,403
Net Change in Securities and Investments	2	-2	-17	-36	-13	-133
Cash Acquisitions	-	-	-	-	-	-75
Capital Expenditures	-23	-24	-36	-48	-72	-80
Investing Cash Flow	-2,196	-1,371	-1,169	788	-5,111	-1,691
Net Change in Deposits	1,392	835	-541	-209	2,778	1,228
Long-Term Debt Issued	1,575	1,825	2,690	3,993	4,466	4,968
Long-Term Debt Repaid	-2,577	-3,142	-2,621	-6,689	-3,906	-5,402
Net Long-Term Debt Issued (Repaid)	-1,002	-1,317	69	-2,696	560	-434
Repurchase of Common Stock	-559	-313	-55	-35	-12	-
Net Common Stock Issued (Repurchased)	-559	-313	-55	-35	-12	-
Issuance of Preferred Stock	71	71	-	-	-	-
Net Preferred Stock Issued (Repurchased)	71	71	-	-	-	-
Common Dividends Paid	-45	-42	-43	-42	-43	-42
Other Financing Activities	-43	-41	-22	-104	-16	-144
Financing Cash Flow	-56	-807	-592	-3,086	3,267	608
Net Cash Flow	-59	-86	98	-311	4	460
Free Cash Flow	2,170	2,068	1,823	1,939	1,776	1,463
Free Cash Flow Growth	18.45%	13.44%	-5.98%	9.18%	21.39%	-20.01%
FCF Margin	81.30%	79.45%	74.68%	63.37%	79.57%	53.63%
Free Cash Flow Per Share	48.93	43.45	36.17	38.78	35.52	29.26

SEC Filings: 10-K · 10-Q