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Bread Financial Holdings Inc (BFH) Annual Cash Flow Statement

Annual · GAAP · USD millions
Access BFH quarterly Cash Flow →
Changes in quarterly cash flow trends offer perspective on how Bread Financial Holdings Inc funds operations, investments, and shareholder returns.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
12 Months 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Operating Activities
Income518.00
Depreciation & amortization80.00
Amortization of Other Assets16.00
Extraordinary Item, Gain (Loss), Insurance Assets, Accretion Expense0.00
Restructuring & Impairment Charges0.00
Provision For Loan Losses Expensed1,242.00
Inventories Decrease /-Increase0.00
R & D, Environmental and Other Expense0.00
Gain (Loss) on Disposition of Assets0.00
Share-based Compensation56.00
Income (Loss) from Equity Method Investments0.00
Gains (Losses) on Extinguishment of Debt74.00
Provision For Loan Loss-
Fair Value Gain On Interest Only Strip-
Change In Merchant Settlement Activity-
Change In Deferred Revenue-
Purchase Of Credit Card Receivables Operating-
Deferred Income Tax Expense Benefit Including Discontinued Operations-
Amortization Of Deferred Origination Costs And Other Charges75.00
Income taxes73.00
Losses/ -gains on Investments net0.00
Accounts Receivable0.00
Accounts Payable0.00
Accrued Expense0.00
Deferred Revenue and Customer Advances and Deposits0.00
Prepaid Expense and Other Assets0.00
Other Working Capital-39.00
Other Noncash Income (Expense)0.00
Other net0.00
Payments for (Proceeds from) Other Operating Activities-3.00
Discontinued operations0.00
Net Cash flow from Operating Activities2,092.00
Investing Activities
Capital Expenditures0.00
Sale of Capital Items0.00
Proceeds from Sale and Maturity of Marketable Securities0.00
Payments to Acquire Marketable Securities0.00
Real Estate Investments0.00
Change In Cash Collateral Restricted-
Purchase Of Credit Card Receivables Investing-
Change In Due From Securitizations-
Change In Sellers Interest-
Purchases Of Investment Securities-22.00
Change In Redemption Settlement Assets-
Restricted Cash and Investments Increase (Decrease)0.00
Payments for (Proceeds from) Loans0.00
Payments for (Proceeds from) Deposits0.00
Payments for (Proceeds from) Other Investments0.00
Payments for (Proceeds from) Federal Reserve and FHLB0.00
Acquisition Net of Cash Acquired0.00
Interest in Subsidiaries and Affiliates0.00
Sale of businesses0.00
Accounts payable0.00
Payments for (Proceeds from) Loans Receivable, Total-1,345.00
Payments for (Proceeds from) Other Investing Activities-24.00
Other Net20.00
Discontinued operations0.00
Net Cash Flow from Investing Activities-1,371.00
Financing Activities
Short-term debt Net0.00
Other borrowing transactions-24.00
Long-term debt - borrowings925.00
Long-term debt - repayments-2,063.00
Federal Home Loan Bank and Federal Funds0.00
Issuances / -repurchases of Comm. Stock-313.00
Partnership and Parent Transactions0.00
Issuances / -repurchases of Pref. Stock71.00
Increase (Decrease) in Deposits835.00
Other financing activities net0.00
Other net-238.00
Issuances Of Certificates Of Deposit-
Repayments Of Certificates Of Deposit-
Repayment Of Capital Lease Obligations-
Payment For Convertible Note Hedges-
Purchase Of Prepaid Forward Contracts-
Issuances Of Deposits-
Repayments Of Deposits-
Repayments Of Short Term Capital Lease Obligations-
Proceeds From Convertible Note Hedge Counterparties-
Payments For Acquisition Related Contingent Consideration-
Payments For Proceeds From Deposits-
Proceeds From Borrowings Under Debt Agreements-
Repayments Of Borrowings-
Payments of Dividends, Preferred Stock and Preference Stock0.00
Dividends paid0.00
Net Cash Flow from Financing Activities-807.00
Effect of exchange rate on cash flow0.00
Discontinued operations0.00
Free Cash Flow2,092.00
Total Cash Flow-86.00
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About Bread Financial Holdings Inc Annual Cash Flow Statement

What this statement shows

This page presents issuer-reported cash flow data, including operating, investing, financing, net, and free cash flow, as disclosed in SEC 10-K filings and normalized by CSIMarket.

Source & verification

  • Form: 10-K (Period: 20251231)
  • Filed with the SEC: February 13, 2026
  • Source: bfh-20251231.htm

Last updated

  • Page updated:
  • Data lineage: SEC filings - XBRL extraction - normalization in the CSIMarket.com database.
  • Accession: 0001101215-26-000016

Figures are derived from filed reports and may be restated. Historical data is subject to revision.

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