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Bread Financial Holdings, Inc. (BFH)
NYSE: BFH · Real-Time Price · USD
99.89
-2.56 (-2.50%)
At close: Oct 23, 2026, 4:00 PM EDT
98.57
-1.32 (-1.32%)
After-hours: Oct 23, 2026, 7:31 PM EDT

Bread Financial Holdings Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
518277718223801
Depreciation & Amortization
50555645123
Other Amortization
121148178178106
Provision for Credit Losses
1,2421,3971,2291,594544
Change in Other Net Operating Assets
-39-6728-47-41
Other Operating Activities
1476-36-178-9
Operating Cash Flow
2,0921,8591,9871,8481,543
Operating Cash Flow Growth
12.53%-6.44%7.52%19.77%-18.06%

Investing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Acquisitions
-----75
Investment in Securities
-2-17-36-13-20
Net Decrease (Increase) in Loans Originated / Sold - Investing
-1,345-1,116872-5,026-1,403
Other Investing Activities
-24-36-48-72-193
Investing Cash Flow
-1,371-1,169788-5,111-1,691

Financing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Long-Term Debt Issued
1,8252,6903,9934,4664,968
Long-Term Debt Repaid
-3,142-2,621-6,689-3,906-5,402
Net Debt Issued (Repaid)
-1,31769-2,696560-434
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
835-541-2092,7781,228
Other Financing Activities
-41-22-104-16-144
Financing Cash Flow
-807-592-3,0863,267608

Net Cash Flow

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

Free Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
2,0921,8591,9871,8481,543
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
43.9536.8839.7436.9630.86

Additional Metrics

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
868922861466357
Cash Income Tax Paid
53227292338325
SEC Filings: 10-K · 10-Q