BREAD FINANCIAL HOLDINGS, INC. (BFH)
BREAD FINANCIAL HOLDINGS, INC. (BFH)
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 181 | 54 | 188 | 276 |
| Provision for credit losses | 303 | 373 | 299 | 570 |
| Depreciation and amortization | 19 | 19 | 19 | 42 |
| Deferred income taxes | 12 | -5 | 78 | 17 |
| Non-cash stock-based compensation | 15 | 15 | 13 | 28 |
| Amortization of deferred financing costs | 4 | 4 | 4 | 8 |
| Amortization of deferred origination costs | 18 | 18 | 19 | 38 |
| Gain on portfolio sale | NaN | 0 | 3 | NaN |
| Loss on debt extinguishment and repurchased convertible notes | NaN | NaN | -19 | NaN |
| Loss on debt extinguishment | NaN | -74 | NaN | NaN |
| Change in other assets | -11 | -4 | 0 | -53 |
| Change in other liabilities | -84 | 35 | -13 | -118 |
| Other | 8 | -4 | -18 | 5 |
| Net cash provided by operating activities | 487 | 568 | 605 | 919 |
| Change in credit card and other loans | -328 | 1,501 | 331 | -487 |
| Proceeds from sale of credit card loan portfolios | NaN | 0 | 0 | 0 |
| Purchases of credit card loan portfolios | NaN | 0 | 0 | NaN |
| Purchases of investments | 8 | 2 | 5 | 15 |
| Maturities of investments | 4 | 4 | 6 | 10 |
| Other, including capital expenditures | 7 | 4 | 8 | 12 |
| Net cash provided by investing activities | 317 | -1,503 | -338 | 470 |
| Unsecured borrowings under debt agreements | 0 | 500 | 0 | 400 |
| Repayments/maturities of unsecured borrowings under debt agreements | 51 | 767 | 40 | 272 |
| Debt issued by consolidated variable interest entities | 25 | 900 | 25 | 0 |
| Repayments/maturities of debt issued by consolidated variable interest entities | 407 | 160 | 433 | 1,470 |
| Dividends paid | NaN | NaN | 9 | 22 |
| Net increase in deposits | 157 | 381 | 196 | 258 |
| Payment of deferred financing costs | 0 | 11 | 3 | 10 |
| Net proceeds from the issuance of preferred stock | NaN | 71 | NaN | NaN |
| Repurchases of common stock | 153 | 123 | 40 | 150 |
| Dividends and dividend equivalent rights paid | 14 | 42 | NaN | NaN |
| Payment of capped call transactions | NaN | 0 | NaN | NaN |
| Other | -32 | 4 | -2 | -19 |
| Net cash used in financing activities | -475 | 784 | -306 | -1,285 |
| Change in cash, cash equivalents and restricted cash | 329 | -151 | -39 | 104 |
| Cash, cash equivalents and restricted cash at beginning of period | 3,628 | 3,779 | 3,714 | NaN |
| Cash, cash equivalents and restricted cash at end of period | 3,957 | 3,628 | 3,779 | NaN |