Bread Financial Hldgs Inc (BFH)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2025 | 12-2024 | 12-2023 | 12-2022 | 12-2021 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 518,000 | 277,000 | 718,000 | 223,000 | 801,000 |
| Depreciation Amortization | 171,000 | 203,000 | 234,000 | 223,000 | 229,000 |
| Income taxes - deferred | 90,000 | -85,000 | -68,000 | -245,000 | -15,000 |
| Other Working Capital | -39,000 | -67,000 | 28,000 | -47,000 | -41,000 |
| Other Operating Activity | 1,352,000 | 1,531,000 | 1,075,000 | 1,694,000 | 569,000 |
| Operating Cash Flow | $2,092,000 | $1,859,000 | $1,987,000 | $1,848,000 | $1,543,000 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | -22,000 | -408,000 | -523,000 | N/A | -93,000 |
| PPE Investments | -24,000 | -36,000 | -48,000 | N/A | -80,000 |
| Net Acquisitions | N/A | N/A | N/A | N/A | -75,000 |
| Sale Of Investment | 20,000 | 14,000 | 14,000 | -13,000 | 73,000 |
| Other Investing Activity | -1,345,000 | -739,000 | 1,345,000 | -5,098,000 | -1,516,000 |
| Investing Cash Flow | $-1,371,000 | $-1,169,000 | $788,000 | $-5,111,000 | $-1,691,000 |
| Cash Flows From Financing Activities | |||||
| Debt Issued | 2,660,000 | 2,149,000 | 3,784,000 | 7,244,000 | 5,544,000 |
| Debt Repayment | -3,142,000 | -2,621,000 | -6,728,000 | -3,906,000 | -5,402,000 |
| Common Stock Repurchased | -313,000 | -55,000 | -35,000 | -12,000 | 0 |
| Dividend Paid | -42,000 | -43,000 | -42,000 | -43,000 | -42,000 |
| Other Financing Activity | 30,000 | -22,000 | -65,000 | -16,000 | 508,000 |
| Financing Cash Flow | $-807,000 | $-592,000 | $-3,086,000 | $3,267,000 | $608,000 |
| Beginning Cash Position | 3,714,000 | 3,616,000 | 3,927,000 | 3,923,000 | 3,463,000 |
| End Cash Position | 3,628,000 | 3,714,000 | 3,616,000 | 3,927,000 | 3,923,000 |
| Net Cash Flow | $-86,000 | $98,000 | $-311,000 | $4,000 | $460,000 |
| Free Cash Flow | |||||
| Operating Cash Flow | 2,092,000 | 1,859,000 | 1,987,000 | 1,848,000 | 1,543,000 |
| Capital Expenditure | -24,000 | -36,000 | -48,000 | N/A | -80,000 |
| Free Cash Flow | 2,068,000 | 1,823,000 | 1,939,000 | 1,848,000 | 1,463,000 |