Bread Financial Holdings, Inc. (BFH)

Bread Financial Holdings Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	561	518	277	718	223	801
Depreciation & Amortization	78	80	90	116	113	123
Provision for Credit Losses	1,249	1,242	1,397	1,229	1,594	544
Stock-Based Compensation	58	56	54	44	33	29
Other Adjustments	182	252	134	-173	-135	81
Changes in Other Operating Activities	5	-56	-93	53	20	-35
Operating Cash Flow	2,186	2,092	1,859	1,987	1,848	1,543
Operating Cash Flow Growth	21.11%	12.53%	-6.44%	7.52%	19.77%	-18.06%
Net Change in Loans Held-for-Investment	-1,261	-1,345	-1,116	872	-5,026	-1,403
Net Change in Securities and Investments	-5	-2	-17	-36	-13	-133
Payments for Business Acquisitions	-	-	-	-	-	-75
Capital Expenditures	-26	-24	-36	-48	-72	-80
Investing Cash Flow	-1,745	-1,371	-1,169	788	-5,111	-1,691
Net Change in Deposits	975	835	-541	-209	2,778	1,228
Long-Term Debt Issued	1,450	1,825	2,690	3,993	4,466	4,968
Long-Term Debt Repaid	-2,765	-3,142	-2,621	-6,689	-3,906	-5,402
Net Long-Term Debt Issued (Repaid)	-1,315	-1,317	69	-2,696	560	-434
Repurchase of Common Stock	-363	-313	-55	-35	-12	-
Net Common Stock Issued (Repurchased)	-363	-313	-55	-35	-12	-
Issuance of Preferred Stock	-	71	-	-	-	-
Net Preferred Stock Issued (Repurchased)	-	71	-	-	-	-
Common Dividends Paid	-44	-42	-43	-42	-43	-42
Other Financing Activities	-44	-41	-22	-104	-16	-144
Financing Cash Flow	-720	-807	-592	-3,086	3,267	608
Net Cash Flow	-279	-86	98	-311	4	460
Free Cash Flow	2,160	2,068	1,823	1,939	1,776	1,463
Free Cash Flow Growth	4.45%	13.44%	-5.98%	9.18%	21.39%	-20.01%
Free Cash Flow Per Share	46.98	43.45	36.17	38.78	35.52	29.26

Updated Mar 31, 2026. Data Source: Fiscal.ai. financials template. Financial Sources.

SEC Filings: 10-K · 10-Q