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Income Statement
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Cash Flow
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Balance Sheet
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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
2025-09-30
Net income
147
181
54
188
Provision for credit losses
313
303
373
299
Depreciation and amortization
18
19
19
19
Deferred income taxes
-4
12
-5
78
Non-cash stock-based compensation
16
15
15
13
Amortization of deferred financing costs
4
4
4
4
Amortization of deferred origination costs
18
18
18
19
Gain on portfolio sale
-
-
0
3
Originations of loans held-for-sale
387
-
-
-
Loss on debt extinguishment and repurchased convertible notes
-
-
-
-19
Loss on debt extinguishment
-
-
-74
-
Proceeds from sales and paydowns of loans held-for-sale
370
-
-
-
Change in other assets
-4
-11
-4
0
Change in other liabilities
38
-84
35
-13
Other
-4
8
-4
-18
Net cash provided by operating activities
533
487
568
605
Change in credit card and other loans
671
-328
1,501
331
Proceeds from sale of credit card loan portfolios
-
-
0
0
Purchases of credit card loan portfolios
-
-
0
0
Purchases of investments
2
8
2
5
Maturities of investments
5
4
4
6
Other, including capital expenditures
4
7
4
8
Net cash (used in) provided by investing activities
-672
317
-1,503
-338
Unsecured borrowings under debt agreements
0
0
500
0
Repayments/maturities of unsecured borrowings under debt agreements
0
51
767
40
Debt issued by consolidated variable interest entities
125
25
900
25
Repayments/maturities of debt issued by consolidated variable interest entities
719
407
160
433
Net increase in deposits
658
157
381
196
Payment of deferred financing costs
1
0
11
3
Dividends paid
-
-
-
9
Net proceeds from the issuance of preferred stock
130
-
71
-
Repurchases of common stock
243
153
123
40
Dividends and dividend equivalent rights paid
11
14
42
-
Payment of capped call transactions
-
-
0
-
Other
2
-32
4
-2
Net cash used in financing activities
-59
-475
784
-306
Change in cash, cash equivalents and restricted cash
-198
329
-151
-39
Cash, cash equivalents and restricted cash at beginning of period
3,957
3,628
3,779
3,714
Cash, cash equivalents and restricted cash at end of period
3,759
3,957
3,628
3,779
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
(-45.09%↓ Y/Y)
Net income
$147M
(-46.74%↓ Y/Y)
Change in other
liabilities
$38M
(132.20%↑ Y/Y)
Amortization of deferred
origination costs
$18M
(-52.63%↓ Y/Y)
Depreciation and
amortization
$18M
(-57.14%↓ Y/Y)
Non-cash stock-based
compensation
$16M
(-42.86%↓ Y/Y)
Change in other assets
-$4M
(92.45%↑ Y/Y)
Amortization of deferred
financing costs
$4M
(-50.00%↓ Y/Y)
Net cash provided by
operating activities
$533M
(-42.00%↓ Y/Y)
Canceled cashflow
$395M
Change in cash, cash
equivalents and restricted...
-$198M
(-290.38%↓ Y/Y)
Canceled cashflow
$533M
Maturities of investments
$5M
(-50.00%↓ Y/Y)
Net increase in
deposits
$658M
(155.04%↑ Y/Y)
Net proceeds from
the issuance of...
$130M
Debt issued by
consolidated variable...
$125M
Other
$2M
(110.53%↑ Y/Y)
Originations of loans
held-for-sale
$387M
Other
-$4M
(-180.00%↓ Y/Y)
Deferred income taxes
-$4M
(-123.53%↓ Y/Y)
Net cash (used in)
provided by investing...
-$672M
(-242.98%↓ Y/Y)
Canceled cashflow
$5M
Net cash used in
financing activities
-$59M
(95.41%↑ Y/Y)
Canceled cashflow
$915M
Change in credit card
and other loans
$671M
(237.78%↑ Y/Y)
Other, including
capital expenditures
$4M
(-66.67%↓ Y/Y)
Purchases of investments
$2M
(-86.67%↓ Y/Y)
Repayments/maturities of debt issued by
consolidated variable...
$719M
(-51.09%↓ Y/Y)
Repurchases of common stock
$243M
(62.00%↑ Y/Y)
Dividends and dividend
equivalent rights paid
$11M
Payment of deferred
financing costs
$1M
(-90.00%↓ Y/Y)
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BREAD FINANCIAL HOLDINGS, INC. (BFH)
BREAD FINANCIAL HOLDINGS, INC. (BFH)