BREAD FINANCIAL HOLDINGS, INC. (BFH-PA)
BREAD FINANCIAL HOLDINGS, INC. (BFH-PA)
| Cash Flow | 2026-03-31 | 2025-12-31 |
|---|---|---|
| Net income | 181 | 518 |
| Provision for credit losses | 303 | 1,242 |
| Depreciation and amortization | 19 | 80 |
| Deferred income taxes | 12 | 90 |
| Non-cash stock-based compensation | 15 | 56 |
| Amortization of deferred financing costs | 4 | 16 |
| Amortization of deferred origination costs | 18 | 75 |
| Gain on portfolio sale | - | 3 |
| Loss on debt extinguishment | - | -74 |
| Change in other assets | -11 | -57 |
| Change in other liabilities | -84 | -96 |
| Other | 8 | -17 |
| Net cash provided by operating activities | 487 | 2,092 |
| Change in credit card and other loans | -328 | 1,345 |
| Proceeds from sale of credit card loan portfolios | - | 0 |
| Purchases of credit card loan portfolios | - | 0 |
| Purchases of investments | 8 | 22 |
| Maturities of investments | 4 | 20 |
| Other, including capital expenditures | 7 | 24 |
| Net cash provided by investing activities | 317 | -1,371 |
| Unsecured borrowings under debt agreements | 0 | 900 |
| Repayments/maturities of unsecured borrowings under debt agreements | 51 | 1,079 |
| Debt issued by consolidated variable interest entities | 25 | 925 |
| Repayments/maturities of debt issued by consolidated variable interest entities | 407 | 2,063 |
| Net increase in deposits | 157 | 835 |
| Payment of deferred financing costs | 0 | 24 |
| Net proceeds from the issuance of preferred stock | - | 71 |
| Repurchases of common stock | 153 | 313 |
| Dividends and dividend equivalent rights paid | 14 | 42 |
| Payment of capped call transactions | - | 0 |
| Other | -32 | -17 |
| Net cash used in financing activities | -475 | -807 |
| Change in cash, cash equivalents and restricted cash | 329 | -86 |
| Cash, cash equivalents and restricted cash at beginning of period | 3,628 | 3,714 |
| Cash, cash equivalents and restricted cash at end of period | 3,957 | 3,628 |