Bread Financial Holdings, Inc. (BFH) quarterly cash flow statement — complete operating, investing & financing history
Bread Financial Holdings, Inc. (BFH) cash flow statement — 28-year operating, investing & financing cash flows
| 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 from Operations | 601M | 533M | 487M | 568M | 605M | 526M | 393M | 479M | 456M | 477M | 447M | 617M | 629M | 343M | 398M | 497M | 608M | 246M | 497M | 335M |
| Operating CF Growth % | -0.66% | 1.33% | 23.92% | 18.58% | 32.68% | 10.27% | -12.08% | -22.37% | -27.5% | 39.07% | 12.31% | 24.14% | 3.45% | 39.43% | -19.92% | 48.36% | 28% | 13.89% | -3.91% | -15% |
| Net Income | 155M | 147M | 181M | 54M | 188M | 138M | 138M | 7M | 2M | 134M | 134M | 43M | 172M | 48M | 455M | -134M | 134M | 13M | 210M | 17.6M |
| Depreciation & Amortization | 18M | 18M | 19M | 19M | 19M | 21M | 21M | 22M | 22M | 23M | 23M | 24M | 23M | 35M | 34M | 33M | 29M | 30M | 21M | 25.8M |
| Deferred Taxes | -6M | -4M | 12M | -5M | 78M | -6M | 23M | -21M | -19M | 11M | -56M | -33M | -5M | -11M | -19M | -108M | -35M | -54M | -48M | -35M |
| Other Non-Cash Items | 350M | 314M | 333M | 446M | 320M | 302M | 319M | 444M | 483M | 306M | 357M | 525M | 352M | 357M | -85M | 730M | 348M | 457M | 236M | 388.6M |
| Working Capital Changes | 69M | 42M | -73M | 39M | -13M | 56M | -121M | 14M | -45M | -10M | -26M | 46M | 77M | -99M | 4M | -33M | 124M | -209M | 71M | -66.4M |
| Cash from Investing | -673M | -672M | 317M | -1.5B | -338M | -221M | 691M | -1.35B | -569M | 31M | 720M | -1.79B | -281M | -281M | 3.14B | -3.62B | -591M | -1.21B | 310M | -2.07B |
| Purchase of Investments | -5M | -2M | -8M | -2M | -5M | -9M | -6M | -2M | -6M | -11M | -12M | -21M | -15M | -17M | -7M | -8M | -5M | -5M | -18M | -15.6M |
| Sale/Maturity of Investments | 6M | 5M | 4M | 4M | 6M | 5M | 5M | 4M | 3M | 4M | 3M | 14M | 4M | 3M | 3M | 5M | 7M | 6M | 12M | 12.3M |
| Net Investment Activity | 1M | 3M | -4M | 2M | 1M | -4M | -1M | 2M | -3M | -7M | -9M | -7M | -11M | -14M | -4M | -3M | 2M | 1M | -6M | -3.3M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -75M |
| Other Investing | -674M | -675M | 321M | -1.5B | -339M | -217M | 692M | -1.35B | -563M | 47M | 746M | -1.76B | -260M | -261M | 3.16B | -3.6B | -582M | -1.19B | 336M | -1.97B |
| Cash from Financing | 519M | -59M | -475M | 784M | -306M | -723M | -562M | 1.11B | -488M | -244M | -975M | 1.4B | -304M | -343M | -3.83B | 3.44B | -106M | 1.02B | -1.1B | 1.76B |
| Dividends Paid | -14M | -11M | -14M | -11M | -9M | -10M | -12M | -11M | -10M | -11M | -11M | -10M | -11M | -10M | -11M | -11M | -10M | -12M | -10M | -11M |
| Share Repurchases | -76M | -243M | -153M | -123M | -40M | -47M | -103M | -44M | 0 | 0 | -11M | 0 | -35M | 0 | 0 | 0 | 0 | 0 | -12M | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -76M | -243M | -153M | -123M | -40M | -47M | -103M | -44M | 0 | 0 | -11M | 0 | -35M | 0 | 0 | 0 | 0 | 0 | -12M | 0 |
| Debt Issuance (Net) | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K | 1000K |
| Other Financing | 762M | 659M | 125M | 445M | 191M | 241M | -12M | 228M | -149M | -334M | -302M | 338M | 219M | -172M | -698M | 1.38B | 1.41B | 380M | -412M | 1.01B |
| Net Change in Cash | 447M | -198M | 329M | -151M | -39M | -418M | 522M | 243M | -601M | 264M | 192M | 221M | 44M | -281M | -295M | 319M | -89M | 63M | -289M | 32.4M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4.2M |
| Cash at Beginning | 3.76B | 3.96B | 3.63B | 3.78B | 3.82B | 4.24B | 3.71B | 3.47B | 4.07B | 3.81B | 3.62B | 3.4B | 3.35B | 3.63B | 3.93B | 3.61B | 3.7B | 3.63B | 3.92B | 3.89B |
| Cash at End | 4.21B | 3.76B | 3.96B | 3.63B | 3.78B | 3.82B | 4.24B | 3.71B | 3.47B | 4.07B | 3.81B | 3.62B | 3.4B | 3.35B | 3.63B | 3.93B | 3.61B | 3.7B | 3.63B | 3.92B |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 922M | 0 | 0 | 0 | 861M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 64.4M |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 77.8M |
| Free Cash Flow | 601M | 533M | 487M | 568M | 597M | 526M | 393M | 479M | 482M | 468M | 430M | 596M | 619M | 343M | 387M | 482M | 597M | 223M | 477M | 309.8M |
| FCF Growth % | 0.67% | 1.33% | 23.92% | 18.58% | 23.86% | 12.39% | -8.6% | -19.63% | -22.13% | 36.44% | 11.11% | 23.65% | 3.69% | 53.81% | -18.87% | 55.58% | 32.37% | 15.36% | -5.54% | -18.04% |