Bread Financial Holdings, Inc. Cash Flow Statement

BFH / Financials|15 years of annual SEC 10-K data (FY2011-FY2025)

Covers operating cash flow, capital expenditures, free cash flow, share buybacks, and dividends paid across 15 fiscal years. All figures from audited SEC 10-K filings.

Bread Financial Holdings, Inc. generated $2.1B in operating cash flow in FY2025. The company returned $40M in dividends and $313M in share buybacks to shareholders in FY2025.

Based on SEC 10-K filings.

Key Data Points

Altman Z-Score 0.30 (distress zone, below 1.8 threshold)
High earnings quality (cash-backed earnings)

Data sourced from SEC EDGAR filings. Not investment advice.

Item	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014	FY2013	FY2012	FY2011
Net Income	$518.0M	$277.0M	$718.0M	$223.0M	$801.0M	$214.0M	$278.0M	$963.1M	$788.7M	$517.6M	$605.4M	$516.1M	$496.2M	$422.3M	-
Depreciation & Amortization	$80.0M	$90.0M	$116.0M	$113.0M	$123.0M	$184.0M	$249.0M	$487.3M	$497.6M	$512.1M	$492.2M	$313.1M	$216.1M	$166.9M	$153.2M
Operating Cash Flow	$2.1B	$1.9B	$2.0B	$1.8B	$1.5B	$1.9B	$1.2B	$2.8B	$2.6B	$2.1B	$1.8B	$1.3B	$1.0B	$1.1B	$1.0B
Capital Expenditures	-	-	-	$68.0M	$84.0M	$54.0M	$142.0M	$199.8M	$225.4M	$207.0M	$191.7M	$158.7M	$135.4M	$116.5M	$73.5M
Free Cash Flow	-	-	-	$1.8B	$1.5B	$1.8B	$1.1B	$2.6B	$2.4B	$1.9B	$1.6B	$1.2B	$868.1M	$1.0B	$937.8M
Share Buybacks	$313.0M	$55.0M	$35.0M	$12.0M	$0	-	$976.0M	$443.2M	$553.7M	$798.8M	$951.6M	$286.6M	$231.1M	$125.8M	$240.9M
Dividends Paid	$40.0M	$43.0M	$42.0M	$43.0M	$42.0M	$61.0M	$127.0M	$125.2M	$115.5M	$30.0M	-	-	-	-	-
FCF Margin	-	-	-	46.5%	44.6%	132.4%	19.3%	45.1%	43.4%	26.9%	24.3%	22.4%	20.1%	28.0%	29.5%

Other Financial Statements

Income Statement Balance Sheet All Financial Data

Scores & Analysis

Piotroski F-Score Altman Z-Score Financial Ratios

Bread Financial Holdings, Inc. Profile All Financial Data

Item

FY2025

FY2024

FY2023

FY2022

FY2021

FY2020

FY2019

FY2018

FY2017

FY2016

FY2015

FY2014

FY2013

FY2012

FY2011

Net Income

$518.0M

$277.0M

$718.0M

$223.0M

$801.0M

$214.0M

$278.0M

$963.1M

$788.7M

$517.6M

$605.4M

$516.1M

$496.2M

$422.3M

Depreciation & Amortization

$80.0M

$90.0M

$116.0M

$113.0M

$123.0M

$184.0M

$249.0M

$487.3M

$497.6M

$512.1M

$492.2M

$313.1M

$216.1M

$166.9M

$153.2M

Operating Cash Flow

$2.1B

$1.9B

$2.0B

$1.8B

$1.5B

$1.9B

$1.2B

$2.8B

$2.6B

$2.1B

$1.8B

$1.3B

$1.0B

$1.1B

$1.0B

Capital Expenditures

$68.0M

$84.0M

$54.0M

$142.0M

$199.8M

$225.4M

$207.0M

$191.7M

$158.7M

$135.4M

$116.5M

$73.5M

Free Cash Flow

$1.8B

$1.5B

$1.8B

$1.1B

$2.6B

$2.4B

$1.9B

$1.6B

$1.2B

$868.1M

$1.0B

$937.8M

Share Buybacks

$313.0M

$55.0M

$35.0M

$12.0M

$976.0M

$443.2M

$553.7M

$798.8M

$951.6M

$286.6M

$231.1M

$125.8M

$240.9M

Dividends Paid

$40.0M

$43.0M

$42.0M

$43.0M

$42.0M

$61.0M

$127.0M

$125.2M

$115.5M

$30.0M

FCF Margin

46.5%

44.6%

132.4%

19.3%

45.1%

43.4%

26.9%

24.3%

22.4%

20.1%

28.0%

29.5%