BFH: the cashflow

MyFinsight

The latest financial statement is for the year ending 2025-12-31.

Unit: Million (M) dollars (except for numbers of shares and EPS)

Cash Flow	2025-12-31
Net income	518
Provision for credit losses	1,242
Depreciation and amortization	80
Deferred income taxes	90
Non-cash stock-based compensation	56
Amortization of deferred financing costs	16
Amortization of deferred origination costs	75
Gain on portfolio sale	3
Loss on debt extinguishment	-74
Change in other assets	-57
Change in other liabilities	-96
Other	-17
Net cash provided by operating activities	2,092
Change in credit card and other loans	1,345
Proceeds from sale of credit card loan portfolios	0
Purchases of credit card loan portfolios	0
Purchases of investments	22
Maturities of investments	20
Other, including capital expenditures	24
Net cash provided by investing activities	-1,371
Unsecured borrowings under debt agreements	900
Repayments/maturities of unsecured borrowings under debt agreements	1,079
Debt issued by consolidated variable interest entities	925
Repayments/maturities of debt issued by consolidated variable interest entities	2,063
Net increase (decrease) in deposits	835
Payment of deferred financing costs	24
Net proceeds from the issuance of preferred stock	71
Repurchases of common stock	313
Dividends and dividend equivalent rights paid	42
Payment of capped call transactions	0
Other	-17
Net cash used in financing activities	-807
Change in cash, cash equivalents and restricted cash	-86
Cash and cash equivalents at beginning of period	3,714
Cash and cash equivalents at end of period	3,628

Unit: Million (M) dollars