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BREAD FINANCIAL HOLDINGS, INC. (BFH-PA)
BREAD FINANCIAL HOLDINGS, INC. (BFH-PA)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
Cash Flow Overview
Unit: Million (M) dollars
Positive Cash Flow Breakdown
Net increase in deposits
Proceeds from sales and paydowns...
Provision for credit losses
Others
Negative Cash Flow Breakdown
Repayments/maturities of debt is...
Change in credit card and other ...
Originations of loans held-for-s...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
Net income
147
181
518
Provision for credit losses
313
303
1,242
Depreciation and amortization
18
19
80
Deferred income taxes
-4
12
90
Non-cash stock-based compensation
16
15
56
Amortization of deferred financing costs
4
4
16
Amortization of deferred origination costs
18
18
75
Gain on portfolio sale
-
-
3
Originations of loans held-for-sale
387
-
-
Loss on debt extinguishment
-
-
-74
Proceeds from sales and paydowns of loans held-for-sale
370
-
-
Change in other assets
-4
-11
-57
Change in other liabilities
38
-84
-96
Other
-4
8
-17
Net cash provided by operating activities
533
487
2,092
Change in credit card and other loans
671
-328
1,345
Proceeds from sale of credit card loan portfolios
-
-
0
Purchases of credit card loan portfolios
-
-
0
Purchases of investments
2
8
22
Maturities of investments
5
4
20
Other, including capital expenditures
4
7
24
Net cash (used in) provided by investing activities
-672
317
-1,371
Unsecured borrowings under debt agreements
0
0
900
Repayments/maturities of unsecured borrowings under debt agreements
0
51
1,079
Debt issued by consolidated variable interest entities
125
25
925
Repayments/maturities of debt issued by consolidated variable interest entities
719
407
2,063
Net increase in deposits
658
157
835
Payment of deferred financing costs
1
0
24
Net proceeds from the issuance of preferred stock
130
-
71
Repurchases of common stock
243
153
313
Dividends and dividend equivalent rights paid
11
14
42
Payment of capped call transactions
-
-
0
Other
2
-32
-17
Net cash used in financing activities
-59
-475
-807
Change in cash, cash equivalents and restricted cash
-198
329
-86
Cash, cash equivalents and restricted cash at beginning of period
3,957
3,628
3,714
Cash, cash equivalents and restricted cash at end of period
3,759
3,957
3,628
Page 1
Unit: Million (M) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Proceeds from sales and
paydowns of loans...
$370M
Provision for credit
losses
$313M
Net income
$147M
Change in other
liabilities
$38M
Amortization of deferred
origination costs
$18M
Depreciation and
amortization
$18M
Non-cash stock-based
compensation
$16M
Change in other assets
-$4M
Amortization of deferred
financing costs
$4M
Net cash provided by
operating activities
$533M
Canceled cashflow
$395M
Change in cash, cash
equivalents and restricted...
-$198M
Canceled cashflow
$533M
Maturities of investments
$5M
Net increase in
deposits
$658M
Net proceeds from
the issuance of...
$130M
Debt issued by
consolidated variable...
$125M
Other
$2M
Originations of loans
held-for-sale
$387M
Other
-$4M
Deferred income taxes
-$4M
Net cash (used in)
provided by investing...
-$672M
Canceled cashflow
$5M
Net cash used in
financing activities
-$59M
Canceled cashflow
$915M
Change in credit card
and other loans
$671M
Other, including
capital expenditures
$4M
Purchases of investments
$2M
Repayments/maturities of debt issued by
consolidated variable...
$719M
Repurchases of common stock
$243M
Dividends and dividend
equivalent rights paid
$11M
Payment of deferred
financing costs
$1M
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