Bread Financial Holdings, Inc. (BFH) quarterly balance sheet — complete assets, liabilities & equity history
Bread Financial Holdings, Inc. (BFH) balance sheet — 28-year assets, liabilities & shareholders' equity history
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Cash & Short Term Investments | 4.24B | 3.68B | 3.64B | 3.77B | 3.94B | 3.98B | 4.38B | 3.85B | 3.63B | 4.23B | 3.96B | 3.76B | 3.41B | 3.36B | 3.65B | 3.99B | 3.69B | 3.24B | 3.16B | 3.22B |
| Cash & Due from Banks | 3.96B | 3.68B | 3.64B | 3.6B | 3.76B | 3.8B | 4.21B | 3.68B | 3.45B | 4.05B | 3.79B | 3.59B | 3.38B | 3.33B | 3.61B | 3.89B | 3.58B | 3.11B | 2.93B | 3.05B |
| Short Term Investments | 279M | 0 | 0 | 171M | 174M | 176M | 172M | 170M | 182M | 178M | 175M | 171M | 27M | 39M | 44M | 95M | 105M | 131M | 233M | 175M |
| Total Investments | 17.03B | 16.69B | 16.34B | 16.98B | 15.87B | 15.84B | 15.91B | 16.92B | 16.02B | 15.84B | 16.19B | 17.26B | 15.96B | 15.99B | 16.06B | 19.13B | 16.27B | 16B | 15.25B | 15.86B |
| Investments Growth % | 7.34% | 5.4% | 2.69% | 0.37% | -0.94% | -0.05% | -1.69% | -1.95% | 0.41% | -0.94% | 0.77% | -9.78% | -1.94% | -0.05% | 5.34% | 20.64% | - | - | - | -9.21% |
| Long-Term Investments | 16.75B | 16.69B | 16.34B | 16.81B | 15.7B | 15.66B | 15.74B | 16.75B | 15.84B | 15.66B | 16.01B | 17.09B | 15.93B | 15.95B | 16.02B | 19.03B | 16.17B | 15.87B | 15.02B | 15.68B |
| Accounts Receivables | 0 | 0 | 0 | 148M | 0 | 0 | 0 | 145M | 0 | 0 | 0 | 144M | 0 | 0 | 0 | 164M | 0 | 0 | 0 | 151M |
| Goodwill & Intangibles | 694M | 701M | 708M | 716M | 723M | 731M | 738M | 746M | 754M | 744M | 753M | 762M | 771M | 780M | 790M | 799M | 690M | 694M | 682M | 687M |
| Goodwill | 694M | 701M | 708M | 634M | 723M | 731M | 738M | 634M | 754M | 0 | 0 | 634M | 0 | 0 | 0 | 634M | 0 | 0 | 0 | 634M |
| Intangible Assets | 0 | 0 | 0 | 82M | 0 | 0 | 0 | 112M | 0 | 744M | 753M | 128M | 771M | 780M | 790M | 165M | 690M | 694M | 682M | 53M |
| PP&E (Net) | 97M | 104M | 112M | 180M | 122M | 127M | 133M | 229M | 148M | 157M | 166M | 265M | 160M | 162M | 180M | 283M | 204M | 219M | 220M | 312M |
| Other Assets | 1.51B | 1.27B | 1.51B | 392M | 1.24B | 1.33B | 1.38B | 428M | 1.36B | 1.35B | 1.4B | 493M | 1.34B | 1.35B | 1.32B | 590M | 1.21B | 1.79B | 1.86B | 1.5B |
| Total Current Assets | 4.24B | 3.68B | 3.64B | 3.95B | 3.94B | 3.98B | 4.38B | 4.03B | 3.63B | 4.23B | 3.96B | 3.9B | 3.41B | 3.36B | 3.65B | 4.15B | 3.69B | 3.24B | 3.16B | 3.26B |
| Total Non-Current Assets | 19.05B | 18.77B | 18.67B | 18.72B | 17.78B | 17.85B | 18B | 18.86B | 18.1B | 17.91B | 18.34B | 19.24B | 18.2B | 18.25B | 18.31B | 21.26B | 18.27B | 18.57B | 17.77B | 18.48B |
| Total Assets | 23.29B | 22.45B | 22.31B | 22.66B | 21.71B | 21.82B | 22.38B | 22.89B | 21.74B | 22.14B | 22.3B | 23.14B | 21.61B | 21.61B | 21.97B | 25.41B | 21.96B | 21.81B | 20.94B | 21.75B |
| Asset Growth % | 7.26% | 2.89% | -0.33% | -1% | -0.1% | -1.46% | 0.37% | -1.08% | 0.59% | 2.48% | 1.5% | -8.92% | -1.6% | -0.93% | 4.92% | 16.84% | -1.34% | -0.01% | -1.06% | -3.55% |
| Return on Assets (ROA) | 0.68% | 0.65% | 0.8% | 0.24% | 0.86% | 0.63% | 0.61% | 0.03% | 0.01% | 0.6% | 0.59% | 0.19% | 0.79% | 0.22% | 1.92% | -0.57% | 0.61% | 0.06% | 0.98% | 0.08% |
| Accounts Payable | 0 | 0 | 0 | 289M | 0 | 0 | 0 | 326M | 0 | 0 | 0 | 422M | 0 | 0 | 0 | 398M | 0 | 0 | 0 | 291M |
| Total Debt | 3.13B | 3.29B | 3.94B | 4.39B | 3.79B | 4.23B | 5.12B | 5.68B | 4.58B | 4.75B | 4.65B | 5.44B | 4.22B | 4.7B | 4.88B | 8.13B | 5.93B | 7.44B | 6.78B | 7.58B |
| Net Debt | -827M | -398M | 304M | 789M | 23M | 428M | 909M | 2.01B | 1.13B | 701M | 863M | 1.85B | 843M | 1.37B | 1.27B | 4.24B | 2.35B | 4.33B | 3.85B | 4.53B |
| Long-Term Debt | 3.13B | 3.29B | 3.94B | 4.31B | 3.79B | 4.23B | 5.12B | 5.56B | 4.58B | 4.75B | 4.65B | 5.29B | 4.22B | 4.7B | 4.88B | 8.01B | 5.93B | 7.44B | 6.78B | 7.44B |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 1.22B | 15.8B | 969M | 259M | 1.07B | 1.09B | 1.09B | 202M | 1.19B | 1.23B | 1.29B | 468M | 1.25B | 1.13B | 1.23B | 479M | 1.19B | 1.07B | 1.25B | 136M |
| Total Current Liabilities | 15.5B | 0 | 14.07B | 14.68B | 13.54B | 13.34B | 13.1B | 13.95B | 12.85B | 12.99B | 13.33B | 14.31B | 13.27B | 13.05B | 13.14B | 14.53B | 12.44B | 11.03B | 10.65B | 11.63B |
| Total Non-Current Liabilities | 4.35B | 19.09B | 4.91B | 4.65B | 4.86B | 5.32B | 6.21B | 5.89B | 5.78B | 5.98B | 5.94B | 5.91B | 5.48B | 5.83B | 6.12B | 8.61B | 7.12B | 8.51B | 8.02B | 8.03B |
| Total Liabilities | 19.85B | 19.09B | 18.98B | 19.34B | 18.4B | 18.66B | 19.31B | 19.84B | 18.62B | 18.97B | 19.27B | 20.22B | 18.74B | 18.87B | 19.25B | 23.14B | 19.56B | 19.54B | 18.67B | 19.66B |
| Total Equity | 3.44B | 3.37B | 3.33B | 3.33B | 3.32B | 3.17B | 3.07B | 3.05B | 3.11B | 3.17B | 3.03B | 2.92B | 2.86B | 2.74B | 2.72B | 2.27B | 2.4B | 2.27B | 2.27B | 2.09B |
| Equity Growth % | 3.62% | 6.29% | 8.38% | 9.05% | 6.59% | -0.13% | 1.19% | 4.56% | 8.66% | 15.86% | 11.63% | 28.83% | 19.38% | 20.26% | 19.75% | 8.58% | 6.83% | 11.09% | 28.55% | 37.06% |
| Equity / Assets (Capital Ratio) | 14.76% | 14.99% | 14.9% | 14.68% | 15.28% | 14.51% | 13.71% | 13.33% | 14.32% | 14.32% | 13.6% | 12.61% | 13.25% | 12.66% | 12.36% | 8.91% | 10.92% | 10.43% | 10.83% | 9.59% |
| Return on Equity (ROE) | 4.59% | 4.36% | 5.44% | 1.6% | 5.8% | 4.46% | 4.51% | 0.23% | 0.06% | 4.29% | 4.5% | 1.49% | 6.11% | 1.76% | 18.27% | -5.75% | 5.73% | 0.53% | 9.65% | 0.81% |
| Book Value per Share | 87.46 | 82.68 | 76.97 | 72.33 | 69.83 | 67.08 | 61.85 | 60.54 | 61.02 | 63.15 | 61.01 | 58.83 | 57.17 | 54.39 | 54.21 | 45.39 | 48.08 | 45.59 | 45.36 | 41.72 |
| Tangible BV per Share | 69.80 | 65.45 | 60.58 | 56.76 | 54.61 | 51.59 | 46.98 | 45.73 | 46.24 | 48.33 | 45.86 | 43.47 | 41.78 | 38.89 | 38.44 | 29.38 | 34.25 | 31.68 | 31.72 | 27.98 |
| Common Stock | 0 | 0 | 0 | 0 | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M |
| Additional Paid-in Capital | 1.54B | 1.6B | 1.7B | 1.87B | 1.9B | 1.93B | 1.96B | 2.07B | 2.12B | 2.18B | 2.16B | 2.17B | 2.15B | 2.18B | 2.2B | 2.19B | 2.18B | 2.17B | 2.16B | 2.17B |
| Retained Earnings | 1.92B | 1.78B | 1.64B | 1.48B | 1.43B | 1.25B | 1.13B | 999M | 1B | 1.01B | 890M | 767M | 735M | 574M | 537M | 93M | 238M | 114M | 113M | -87M |
| Accumulated OCI | -25M | -17M | -17M | -16M | -16M | -19M | -19M | -22M | -16M | -22M | -22M | -19M | -27M | -20M | -19M | -21M | -21M | -14M | -9M | -2M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |