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Bread Financial Holdings, Inc. (BFH)
NYSE: BFH · Real-Time Price · USD
108.00
-0.53 (-0.49%)
At close: Sep 21, 2026, 4:00 PM EDT
108.00
0.00 (0.00%)
After-hours: Sep 21, 2026, 7:30 PM EDT

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
4550555645123
Other Amortization
119121148178178106
Provision for Credit Losses
1,2881,2421,3971,2291,594544
Net Decrease (Increase) in Loans Originated / Sold - Operating
-17-----
Change in Other Net Operating Assets
-5-39-6728-47-41
Other Operating Activities
1371476-36-178-9
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
Cash Acquisitions
------75
Investment in Securities
2-2-17-36-13-20
Net Decrease (Increase) in Loans Originated / Sold - Investing
-2,175-1,345-1,116872-5,026-1,403
Other Investing Activities
-23-24-36-48-72-193
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
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)
-1,002-1,31769-2,696560-434
Repurchase of Common Stock
-559-313-55-35-12-
Preferred Stock Issued
20171----
Common Dividends Paid
-45-42-43-42-43-42
Net Increase (Decrease) in Deposit Accounts
1,392835-541-2092,7781,228
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
2,1932,0921,8591,9871,8481,543
Free Cash Flow Growth
18.29%12.53%-6.44%7.52%19.77%-15.64%
Free Cash Flow Margin
82.20%80.37%76.16%64.94%82.80%56.56%
Free Cash Flow Per Share
49.4543.9536.8839.7436.9630.86

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
868868922861466357
Cash Income Tax Paid
5353227292338325
SEC Filings: 10-K · 10-Q