Bread Financial Balance Sheet
NYSE: BFHConsumer DiscretionaryBusiness ServicesUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Bread Financial financial position
At the end of fiscal 2025, Bread Financial reported total assets of $22.66 billion, down 1.0% from a year earlier against total liabilities of $19.34 billion. Shareholders' equity stood at $3.33 billion, or 14.7% of assets. The company held $3.60 billion in cash and equivalents against $4.31 billion of debt, a net debt position of $704.0 million.
Debt-to-equity was 1.29.
Summary generated from market data by MetaCap's automated system. Methodology
Bread Financial balance sheet (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | 3.60B | 3.68B | 3.59B | 3.89B | 3.05B | 2.80B | 3.87B | 3.82B | 4.19B | 1.86B |
| Short-Term Investments | 26.00M | 272.00M | 250.00M | 130.00M | 80.00M | 29.00M | — | — | — | — |
| Receivables | — | — | — | — | — | 383.80M | 451.10M | 404.00M | 822.30M | 797.20M |
| Inventory | — | — | — | — | — | 164.30M | 218.00M | 248.00M | 234.10M | 271.30M |
| Total Current Assets | — | — | — | — | — | 19.63B | 24.11B | 24.71B | 24.71B | 19.59B |
| Property, Plant & Equipment | 117.00M | 142.00M | 167.00M | 195.00M | 215.00M | 213.00M | 282.30M | 288.20M | 613.90M | 586.00M |
| Goodwill | 634.00M | 634.00M | 634.00M | 634.00M | 634.00M | 634.00M | 954.90M | 954.80M | 992.80M | 3.80B |
| Intangible Assets | 82.00M | 112.00M | 128.00M | 165.00M | 53.00M | 77.00M | 153.30M | 217.40M | 800.60M | 1.00B |
| Total Assets | 22.66B | 22.89B | 23.14B | 25.41B | 21.75B | 22.55B | 26.49B | 30.39B | 30.68B | 25.51B |
| Accounts Payable | — | — | — | — | — | 328.20M | 300.80M | 486.20M | 651.20M | 568.30M |
| Short-Term Debt | — | — | — | — | — | — | — | 138.90M | 131.30M | 814.50M |
| Total Current Liabilities | — | — | — | — | — | 10.42B | 11.87B | 11.48B | 10.15B | 9.23B |
| Long-Term Debt | 4.31B | 5.56B | 5.29B | 8.01B | 7.44B | 2.81B | 2.85B | 5.59B | 5.95B | 4.79B |
| Total Liabilities | 19.34B | 19.84B | 20.22B | 23.14B | 19.66B | 21.02B | 24.91B | 28.06B | 28.83B | 23.86B |
| Shareholders' Equity | 3.33B | 3.05B | 2.92B | 2.27B | 2.09B | 1.52B | 1.59B | 2.33B | 1.86B | 1.66B |
| Retained Earnings | 1.48B | 999.00M | 767.00M | 93.00M | -87.00M | 4.83B | 5.16B | 5.01B | 4.17B | 3.49B |
| Total Debt | 4.31B | 5.56B | 5.29B | 8.01B | 7.44B | 2.81B | 2.85B | 5.73B | 6.08B | 5.60B |
| Net Cash (Debt) | -678.00M | -1.61B | -1.45B | -3.99B | -4.31B | 19.30M | 1.02B | -1.91B | -1.89B | -3.74B |
| Shares Outstanding | 44.10M | 49.10M | — | — | — | — | — | — | — | — |
This table shows 10 annual periods of Bread Financial's balance sheet, from FY 2025 back to FY 2016, across 19 line items including cash & equivalents, short-term investments, receivables. Values in USD; B = billions, M = millions. Fiscal periods follow BFH's reporting calendar. What is a balance sheet?