Bread Financial Holdings Cash Flow Statement (2009-2025) | BFH

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Cash Flow Statement Mar2009 Jun2009 Sep2009 Dec2009 Mar2010 Jun2010 Sep2010 Dec2010 Mar2011 Jun2011 Sep2011 Dec2011 Mar2012 Jun2012 Sep2012 Dec2012 Mar2013 Jun2013 Sep2013 Dec2013 Mar2014 Jun2014 Sep2014 Dec2014 Mar2015 Jun2015 Sep2015 Dec2015 Mar2016 Jun2016 Sep2016 Dec2016 Mar2017 Jun2017 Sep2017 Dec2017 Mar2018 Jun2018 Sep2018 Dec2018 Mar2019 Jun2019 Sep2019 Dec2019 Mar2020 Jun2020 Sep2020 Dec2020 Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025 Dec2025
Operating Activities
Net Income -15.10M1.05M0.48M-19.32M46.65M47.32M53.06M-1.90M86.38M69.02M93.98M65.91M115.23M103.82M119.55M83.66M128.98M116.44M132.88M117.87M135.75M139.19M164.95M76.26M164.90M130.00M130.40M180.10M158.90M140.70M207.50M10.50M146.40M137.70M233.20M271.40M-16.00M-6.00M7.80M31.80M-29.10M-3.40M-229.20M-32.90M30.00M38.40M133.30M-81.30M18.00M11.00M18.00M-42.00M-1.00M-16.00M-2.00M-1.00M-1.00M-1.00M-4.00M1.00M
Share-based Compensation 18.05M10.70M14.61M10.35M10.61M12.41M10.97M16.10M9.08M11.11M12.28M11.02M12.31M12.88M12.42M12.89M13.02M14.99M15.41M15.76M15.62M15.87M18.26M22.75M27.50M24.10M21.80M18.00M19.90M21.50M18.00M17.00M23.50M21.70M18.30M11.60M25.50M12.00M9.70M16.60M21.10M10.20M3.00M0.70M4.70M6.20M5.30M4.80M7.00M7.00M7.00M4.00M7.00M9.00M8.00M9.00M9.00M13.00M10.00M12.00M15.00M13.00M13.00M13.00M13.00M15.00M13.00M15.00M
Deferred Taxes 21.35M7.41M19.41M-30.69M18.27M1.70M4.07M-3.69M7.78M2.18M-10.18M47.26M8.03M60.84M7.49M25.91M14.60M-13.00M3.07M38.24M25.32M-12.10M-7.90M-19.62M-1.60M-41.30M-19.90M-58.50M-2.70M-11.30M-43.00M26.20M-12.20M-48.80M-1.50M-51.30M-16.20M-65.80M51.70M46.60M-35.00M-12.60M-139.40M1.00M-158.70M290.10M-289.10M-65.30M-26.00M48.00M-2.00M-40.00M-48.00M-54.00M-35.00M-108.00M-19.00M-11.00M-5.00M-33.00M-56.00M11.00M-19.00M-21.00M23.00M-6.00M78.00M-5.00M
Gains from Sales and Divestitures 1.27M0.79M0.92M0.64M0.57M0.50M0.49M0.33M0.29M0.32M0.44M0.17M0.19M
Gains from Investment Securities 12.77M19.69M-2.92M19.81M9.60M18.23M31.69M26.68M28.81M36.30M34.69M63.56M-7.19M46.78M37.72M57.38M63.19M58.24M17.46M51.57M78.90M108.07M21.70M110.00M94.20M78.30M112.70M146.20M83.80M123.90M17.50M164.40M100.10M62.10M56.70M63.90M67.90M45.50M20.40M119.30M84.30M847.00M44.60M5.30M58.50M159.60M20.50M-22.50M327.00M23.00M24.00M11.00M280.00M11.00M6.00M10.00M265.00M17.00M9.00M3.00M198.00M5.00M7.00M8.00M33.00M
Asset Writedowns and Impairment 13.29M11.10M33.70M2.70M29.80M
Non-cash Items 2.38M1.42M0.74M0.38M0.24M0.17M0.07M0.02M0.01M0.01M
Change in Loans 1,302.43M1,114.24M1,227.85M1,294.72M1,648.09M1,343.80M1,513.10M1,699.40M2,010.80M1,621.40M1,772.50M1,792.70M2,176.20M1,847.90M2,072.80M2,090.80M2,640.40M2,312.80M2,479.10M136.90M
Change in Working Capital -17.25M8.04M10.70M-37.70M45.99M-30.08M98.60M8.00M-23.60M213.40M65.40M-66.60M143.10M19.60M-121.20M108.00M-46.90M134.20M-8.70M47.00M-650.10M-8.60M188.40M-301.40M-154.90M159.80M-30.30M
Change in Receivables 15.26M2.63M-4.66M-11.07M26.82M-24.20M18.31M23.11M-14.43M33.76M-20.51M33.35M-33.95M77.82M-34.28M-58.81M-5.61M10.83M
Change in Accured Expenses 8.93M-89.91M12.39M29.12M-15.85M27.71M21.36M27.94M-46.16M82.41M8.49M8.94M9.21M-28.84M154.49M-19.73M10.06M26.48M95.00M-41.00M61.00M-126.00M73.00M-179.00M117.00M76.00M-77.00M-106.00M127.00M56.00M-23.00M-58.00M-34.00M6.00M-109.00M-9.00M-13.00M35.00M
Cash from Operations 71.09M141.99M93.04M52.29M206.55M239.94M247.01M209.21M210.39M197.48M354.63M248.85M239.62M177.81M444.62M272.13M279.00M251.46M268.37M204.65M333.11M254.69M380.18M376.22M174.70M389.10M467.40M728.60M280.10M474.80M599.90M772.40M472.10M550.50M736.20M840.30M649.90M671.90M703.60M729.50M610.80M478.90M440.50M-312.20M572.50M495.00M421.10M394.40M517.00M216.00M475.00M335.00M497.00M246.00M608.00M497.00M398.00M343.00M629.00M617.00M447.00M477.00M456.00M479.00M393.00M526.00M605.00M568.00M
Depreciation, Depletion & Amortization
Amortizatization of Intangibles 10.35M11.87M15.02M15.43M15.86M16.30M16.75M17.22M17.70M18.19M18.69M19.21M19.75M20.30M20.86M21.54M22.24M22.86M12.80M7.78M8.05M4.24M0.21M0.21M0.21M0.22M0.22M0.22M
Amortization of Deferred Charges 6.76M6.55M7.87M4.31M5.83M5.47M5.79M6.91M7.80M7.70M8.00M8.00M8.40M8.40M8.50M9.40M9.50M11.70M11.10M11.70M11.40M14.10M10.70M11.10M11.00M11.10M10.50M10.40M9.50M8.80M8.30M-100.60M8.00M8.00M7.00M-98.00M6.00M6.00M6.00M6.00M7.00M6.00M7.00M6.00M6.00M5.00M6.00M4.00M4.00M4.00M4.00M4.00M
Amortization 946.08M
Depreciation & Amortization (CF) 29.33M31.15M31.17M33.76M34.17M34.42M37.91M36.73M35.40M36.02M43.23M38.50M38.72M39.40M41.73M47.02M52.85M53.58M54.47M55.22M74.07M74.30M76.33M88.40M121.60M122.10M123.40M125.10M128.40M129.60M126.70M127.40M124.80M125.50M124.30M123.10M121.70M122.00M122.50M121.10M118.90M42.60M44.90M42.60M38.80M41.30M40.10M63.70M34.00M31.50M31.70M26.00M21.00M30.00M29.00M33.00M34.00M35.00M23.00M24.00M23.00M23.00M22.00M22.00M21.00M21.00M19.00M19.00M
Investing Activities
Change in Net Loans 74.68M93.39M-397.52M121.08M2.52M513.36M-433.00M162.41M109.99M738.65M-257.51M318.89M357.14M952.84M-371.42M288.02M303.97M1,200.36M-384.04M535.12M482.26M1,627.36M-401.80M673.90M641.70M1,958.20M-383.90M736.50M696.20M2,456.60M-523.50M809.90M888.30M2,425.50M-470.50M591.70M586.90M2,041.50M-758.20M779.10M657.30M1,908.80M-1446.70M-1606.70M-54.40M1,323.80M-1034.00M368.00M578.00M1,893.00M-339.00M935.00M575.00M2,051.00M-735.00M258.00M260.00M1,371.00M-746.00M53.00M188.00M1,345.00M-697.00M210.00M331.00M1,501.00M
Capital Expenditures -10.89M35.13M15.46M13.26M15.43M16.08M16.78M20.46M18.63M15.30M14.60M24.97M31.37M24.18M21.80M39.12M28.28M30.71M32.76M43.62M43.49M33.77M37.34M44.10M42.40M45.70M52.00M51.60M54.90M52.70M50.70M48.70M46.60M70.20M59.80M48.80M44.70M53.80M50.80M50.50M38.70M897.80M-11.70M0.20M15.70M10.40M11.80M16.10M12.00M23.00M64.00M11.00M249.00M1,555.00M81.00M392.00M375.00M2.00M
Sales of Property, Plant and Equipment 8.01M-4.00M
Acquisitions 117.00M259.51M936.29M6.70M0.30M
Divestments 40.40M25.40M1.30M0.30M
Change in Acquisitions & Divestments 0.45M0.52M2.26M12.42M0.48M0.53M0.64M1.21M1.69M1.52M1.36M2.63M2.20M2.60M3.20M3.80M3.70M29.00M5.90M0.60M5.90M27.10M5.20M4.30M6.00M4.60M32.50M4.30M6.40M4.80M35.50M13.30M13.20M18.00M26.30M19.50M22.00M13.00M26.00M12.00M12.00M6.00M7.00M
Cash from Investing Activities -119.10M-130.34M-129.49M-509.10M443.12M-258.21M-20.76M-504.94M258.66M-535.97M-464.50M-298.90M134.84M-747.82M-575.58M-1482.79M-257.89M-73.84M-42.61M-1245.08M-0.35M-651.79M-1210.69M-2874.26M337.30M-676.60M-763.70M-2259.60M-747.70M-421.10M-982.80M-2139.90M341.40M-902.40M-1050.10M-2657.00M392.90M-629.10M-624.50M-1011.30M717.50M-1231.80M4,164.80M-789.50M1,746.30M1,593.70M24.80M-1590.80M1,009.00M-474.00M-154.00M-2072.00M310.00M-1207.00M-591.00M-3623.00M3,141.00M-281.00M-281.00M-1791.00M720.00M31.00M-569.00M-1351.00M691.00M-221.00M-338.00M-1503.00M
Financing Activities
Other financing activities 1,118.49M16.70M4.17M2.65M3.76M7.65M1.30M0.25M9.47M15.09M2.80M1.66M18.10M7.53M5.31M9.34M9.60M0.51M12.27M2.40M24.80M2.12M4.96M23.21M16.40M13.00M2.40M-65.60M-24.30M13.00M32.00M13.20M-22.10M66.20M9.30M12.30M-23.70M7.90M37.10M-52.60M-17.20M36.00M8.30M328.90M-2.70M5.70M-2015.00M-358.00M162.00M-338.00M264.00M1,140.00M-405.00M383.00M1,417.00M1,383.00M-689.00M-90.00M220.00M350.00M-293.00M-334.00M-148.00M234.00M-21.00M279.00M196.00M381.00M
Debt Issuance and Repayment
Long-Term Debt Issuances 863.00M1,087.00M446.00M728.00M346.00M209.00M650.00M302.00M202.00M2,134.50M522.00M398.00M699.50M197.54M775.92M870.93M500.00M768.28M478.71M521.28M530.00M591.83M798.36M1,510.91M1,001.70M749.40M818.90M2,105.00M1,712.90M737.00M636.60M1,317.90M1,763.20M4,093.70M582.70M1,257.10M905.00M570.00M1,102.30M1,998.00M1,122.20M1,071.10M1,383.50M1,275.20M500.00M150.00M500.00M1,269.00M175.00M1,890.00M703.00M1,510.00M525.00M1,063.00M135.00M2,525.00M325.00M1,067.00M125.00M1,075.00M300.00M400.00M565.00M1,125.00M400.00M525.00M
Long-Term Debt Repayments -727.89M2,677.76M378.06M767.01M288.15M256.19M545.20M373.26M77.32M1,799.46M647.95M487.95M473.95M20.74M5.74M5.79M6.09M58.99M1,796.16M0.05M484.87M1,379.93M-0.00M334.40M767.90M426.60M699.40M1,227.20M539.00M538.80M917.80M1,098.90M4,004.90M800.00M1,328.60M706.50M1,972.00M787.50M1,372.30M870.90M
Short-Term Debt issuances 136.76M522.47M525.82M681.16M326.88M405.87M545.93M710.89M341.31M853.14M1,148.39M1,478.06M406.70M603.50M1,181.70M-1343.10M1,136.90M1,294.90M1,295.70M-937.60M581.90M1,219.50M2,261.30M-1519.50M
Change in Capital Stock
Shares Issued 1.66M28.39M6.64M22.99M2.22M2.01M12.51M8.02M2.41M6.47M6.93M4.48M3.71M5.58M2.09M3.44M3.00M5.55M4.60M3.60M2.24M6.66M1.40M7.29M0.08M9.22M
Shares Repurchased 112.15M201.91M103.72M28.12M14.52M62.22M71.97M61.44M55.23M69.66M54.56M2.52M56.51M6.33M60.48M51.71M156.26M23.11M44.60M157.15M15.73M69.11M542.60M134.10M180.20M94.70M408.80M113.80M170.20M106.00M415.00M84.90M53.80M102.50M246.20M222.80M753.10M0.10M12.00M35.00M11.00M44.00M103.00M47.00M40.00M123.00M
Dividend Payments
Dividends Paid - Common 87.40M102.00M258.70M30.00M29.00M29.00M28.80M28.70M31.70M31.60M31.20M30.70M33.90M33.10M30.40M29.60M30.30M10.10M10.10M10.50M11.00M10.00M10.00M11.00M10.00M11.00M10.00M11.00M11.00M11.00M11.00M10.00M11.00M11.00M10.00M11.00M12.00M10.00M9.00M
Misc.
Cash from Financing Activities 214.61M-222.67M362.85M215.40M-723.18M48.88M-85.04M43.66M-307.64M269.79M122.11M24.99M-192.90M814.67M248.06M1,339.19M-147.29M-187.01M-194.49M1,232.95M-592.38M319.34M837.80M2,951.34M-811.70M348.60M455.90M1,726.10M263.70M292.80M568.30M1,512.60M-762.90M836.00M1,650.00M2,281.80M-1213.80M-655.20M363.00M288.10M-1483.00M1,086.40M-3699.50M4.10M-1503.40M-1408.20M-2152.70M897.30M-1741.00M376.00M208.00M1,765.00M-1096.00M1,024.00M-106.00M3,445.00M-3834.00M-343.00M-304.00M1,395.00M-975.00M-244.00M-488.00M1,115.00M-562.00M-723.00M-306.00M784.00M
Exchange Rate Effect -1.89M7.81M4.80M5.17M-0.86M-0.84M-0.33M-0.04M-0.16M1.15M-5.49M1.71M1.27M-1.52M7.02M-1.49M-3.03M-4.94M2.94M-6.74M-3.56M2.29M-3.63M-10.89M-17.10M0.80M-4.60M-4.40M5.90M-1.40M9.50M2.40M1.40M4.60M1.90M-1.70M-2.40M1.00M-8.90M3.00M5.20M-8.80M3.60M-7.60M4.70M6.60M11.30M-1.00M2.00M-5.00M4.00M
Change in Cash 164.72M-203.21M331.20M-236.24M-74.37M29.77M140.89M-252.11M161.25M-67.54M6.75M-23.36M182.83M243.16M124.12M127.03M-129.20M-14.33M34.22M185.78M-263.18M-75.47M3.66M442.40M-316.80M61.90M155.00M190.70M-198.00M346.50M184.00M154.60M53.00M485.50M1,340.70M467.00M-172.70M-614.80M443.10M-2.60M-151.70M338.70M897.00M-1094.00M807.80M685.20M-1700.20M-287.80M-216.00M120.00M524.00M32.00M-289.00M63.00M-89.00M319.00M-295.00M-281.00M44.00M221.00M192.00M264.00M-601.00M243.00M522.00M-418.00M-39.00M-151.00M
Free Cash Flow 81.98M106.86M77.57M39.03M191.12M223.86M230.22M188.75M191.76M182.18M340.03M223.88M208.26M153.64M422.82M233.01M250.72M220.75M235.61M161.04M289.62M220.91M342.85M332.12M132.30M343.40M415.40M677.00M225.20M422.10M549.20M723.70M425.50M480.30M676.40M791.50M605.20M618.10M652.80M679.00M572.10M-418.90M452.20M-312.40M556.80M484.60M409.30M378.30M505.00M193.00M411.00M324.00M497.00M-3.00M608.00M-1058.00M317.00M343.00M629.00M225.00M447.00M477.00M81.00M477.00M393.00M526.00M605.00M568.00M
Net Cash Flow 166.61M-211.02M326.40M-241.41M-73.51M30.61M141.22M-252.07M161.41M-68.69M12.23M-25.06M181.56M244.67M117.10M128.53M-126.18M-9.39M31.28M192.52M-259.62M-77.77M7.29M453.29M-299.70M61.10M159.60M195.10M-203.90M346.50M185.40M145.10M50.60M484.10M1,336.10M465.10M-171.00M-612.40M442.10M6.30M-154.70M333.50M905.80M-1097.60M815.40M680.50M-1706.80M-299.10M-215.00M118.00M529.00M28.00M-289.00M63.00M-89.00M319.00M-295.00M-281.00M44.00M221.00M192.00M264.00M-601.00M243.00M522.00M-418.00M-39.00M-151.00M