Bread Financial Cash Flow Statement
NYSE: BFHConsumer DiscretionaryBusiness ServicesUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Bread Financial free cash flow
In fiscal 2025, Bread Financial generated $2.09 billion of operating cash flow. That left free cash flow of $2.09 billion, a free-cash-flow margin of 54.4% of revenue. Free cash flow was up 12.5% from the prior year's $1.86 billion.
Bread Financial returned $353.0 million to shareholders: $40.0 million in dividends and $313.0 million in share repurchases, equal to 17% of free cash flow. Free cash flow covered dividend payments 52.3 times.
Summary generated from market data by MetaCap's automated system. Methodology
Bread Financial cash flow statement (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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 518.00M | 277.00M | 718.00M | 223.00M | 801.00M | 214.00M | 278.00M | 963.10M | 788.70M | 517.60M |
| Net Income growth (YoY) | +87.00% | -61.42% | +221.97% | -72.16% | +274.30% | -23.02% | -71.13% | +22.11% | +52.38% | -14.50% |
| Depreciation & Amortization | 80.00M | 90.00M | 116.00M | 113.00M | 123.00M | 184.00M | 249.00M | 487.30M | 497.60M | 512.10M |
| Stock-Based Compensation | 56.00M | 54.00M | 44.00M | 33.00M | 29.00M | 21.00M | 55.00M | 80.80M | 75.10M | 76.50M |
| Change in Working Capital | -39.00M | -67.00M | 28.00M | -47.00M | -41.00M | 410.00M | -512.90M | -166.70M | 111.30M | -124.90M |
| Operating Cash Flow | 2.09B | 1.86B | 1.99B | 1.85B | 1.54B | 1.88B | 1.22B | 2.75B | 2.60B | 2.13B |
| Capital Expenditures | — | — | — | -68.00M | -84.00M | -54.00M | -142.00M | -199.80M | -225.40M | -207.00M |
| Investing Cash Flow | -1.37B | -1.17B | 788.00M | -5.11B | -1.69B | 1.77B | 2.86B | -1.87B | -4.27B | -4.29B |
| Dividends Paid | -40.00M | -43.00M | -42.00M | -43.00M | -42.00M | -61.00M | -127.00M | -125.20M | -115.50M | -30.00M |
| Share Repurchases | -313.00M | -55.00M | -35.00M | -12.00M | 0 | — | -976.00M | -443.20M | -553.70M | -798.80M |
| Debt Issued | — | — | — | — | — | — | — | 4.58B | 7.70B | 3.82B |
| Debt Repaid | — | — | -500.00M | — | — | -493.80M | — | -4.89B | -7.34B | -3.22B |
| Financing Cash Flow | -807.00M | -592.00M | -3.09B | 3.27B | 608.00M | -4.17B | -4.09B | -1.22B | 4.00B | 2.64B |
| Net Change in Cash | -86.00M | 98.00M | -311.00M | 4.00M | 460.00M | -495.00M | -10.00M | -347.00M | 2.35B | 487.10M |
| Free Cash Flow | 2.09B | 1.86B | 1.99B | 1.78B | 1.46B | 1.83B | 1.08B | 2.56B | 2.37B | 1.92B |
This table shows 10 annual periods of Bread Financial's cash flow statement, from FY 2025 back to FY 2016, across 14 line items including net income, depreciation & amortization, stock-based compensation. Values in USD; B = billions, M = millions. Fiscal periods follow BFH's reporting calendar. What is a cash flow statement?