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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 Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
570518277718223801
Depreciation & Amortization
758090116113123
Provision for Credit Losses
1,2881,2421,3971,2291,594544
Stock-Based Compensation
595654443329
Other Adjustments
178252134-173-13581
Changes in Other Operating Activities
-5-56-935320-35
Operating Cash Flow
2,1932,0921,8591,9871,8481,543
Operating Cash Flow Growth
18.29%12.53%-6.44%7.52%19.77%-18.06%

Investing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Change in Loans Held-for-Investment
-1,847-1,345-1,116872-5,026-1,403
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
-2,196-1,371-1,169788-5,111-1,691

Financing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Change in Deposits
1,392835-541-2092,7781,228
Long-Term Debt Issued
1,5751,8252,6903,9934,4664,968
Long-Term Debt Repaid
-2,577-3,142-2,621-6,689-3,906-5,402
Net Long-Term Debt Issued (Repaid)
-1,002-1,31769-2,696560-434
Repurchase of Common Stock
-559-313-55-35-12-
Net Common Stock Issued (Repurchased)
-559-313-55-35-12-
Issuance of Preferred Stock
7171----
Net Preferred Stock Issued (Repurchased)
7171----
Common Dividends Paid
-45-42-43-42-43-42
Other Financing Activities
-43-41-22-104-16-144
Financing Cash Flow
-56-807-592-3,0863,267608

Net Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash Flow
-59-8698-3114460

Free Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
2,1702,0681,8231,9391,7761,463
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
48.9343.4536.1738.7835.5229.26
SEC Filings: 10-K · 10-Q