The latest financial statement is for the year ending 2025-12-31.
| 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 |
BREAD FINANCIAL HOLDINGS, INC. (BFH)
BREAD FINANCIAL HOLDINGS, INC. (BFH)