BFH: the cashflow

MyFinsight

For the quarter ending 2025-09-30.

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

Cash Flow	2025-09-30	2025-06-30
Net income	464	276
Provision for credit losses	869	570
Depreciation and amortization	61	42
Deferred income taxes	95	17
Non-cash stock compensation	41	28
Amortization of deferred financing costs	12	8
Amortization of deferred origination costs	57	38
Gain on portfolio sale	3	-
Loss on debt extinguishment and repurchased convertible notes	-19	-
Change in other assets	-53	-53
Change in other liabilities	-131	-118
Other	-13	5
Net cash provided by operating activities	1,524	919
Change in credit card and other loans	-156	-487
Proceeds from sale of credit card loan portfolios	0	0
Purchases of credit card loan portfolios	0	-
Purchases of investments	20	15
Maturities of investments	16	10
Other, including capital expenditures	20	12
Net cash provided by investing activities	132	470
Unsecured borrowings under debt agreements	400	400
Repayments/maturities of unsecured borrowings under debt agreements	312	272
Debt issued by consolidated variable interest entities	25	0
Repayments/maturities of debt issued by consolidated variable interest entities	1,903	1,470
Net increase (decrease) in deposits	454	258
Payment of deferred financing costs	13	10
Dividends paid	31	22
Repurchase of common stock	190	150
Other	-21	-19
Net cash used in financing activities	-1,591	-1,285
Change in cash, cash equivalents and restricted cash	65	104
Cash and cash equivalents at beginning of period	3,714	-
Cash and cash equivalents at end of period	3,779	-

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

BFH: the cashflow