Bread Financial Quarterly Cash Flow Statement
NYSE: BFHConsumer DiscretionaryBusiness ServicesUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Bread Financial free cash flow
In the quarter ended Jun 30, 2026, Bread Financial generated $533.0 million of operating cash flow. That left free cash flow of $533.0 million, a free-cash-flow margin of 53.7% of revenue. Free cash flow was up 1.3% from the prior year's $526.0 million.
Bread Financial returned $252.0 million to shareholders: $9.0 million in dividends and $243.0 million in share repurchases, equal to 47% of free cash flow. Free cash flow covered dividend payments 59.2 times.
Summary generated from market data by MetaCap's automated system. Methodology
Bread Financial cash flow statement (quarterly)
| Quarter (USD) | Q2 20262026-06-30 | Q1 20262026-03-31 | Q4 20252025-12-31 | Q3 20252025-09-30 | Q2 20252025-06-30 | Q1 20252025-03-31 | Q4 20242024-12-31 | Q3 20242024-09-30 | Q2 20242024-06-30 | Q1 20242024-03-31 | Q4 20232023-12-31 | Q3 20232023-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 146.00M | 181.00M | 54.00M | 188.00M | 139.00M | 138.00M | 7.00M | 2.00M | 133.00M | 134.00M | 43.00M | 171.00M |
| Net Income growth (YoY) | +5.04% | +31.16% | +671.43% | +9300.00% | +4.51% | +2.99% | -83.72% | -98.83% | +177.08% | -70.55% | — | +27.61% |
| Depreciation & Amortization | 18.00M | 19.00M | 19.00M | 19.00M | 21.00M | 21.00M | 22.00M | 22.00M | 23.00M | 23.00M | 24.00M | 23.00M |
| Stock-Based Compensation | 16.00M | 15.00M | 15.00M | 13.00M | 15.00M | 13.00M | 13.00M | 13.00M | 13.00M | 15.00M | 12.00M | 10.00M |
| Change in Working Capital | 42.00M | -73.00M | 39.00M | -13.00M | 56.00M | -121.00M | 14.00M | -45.00M | -10.00M | -26.00M | 46.00M | 77.00M |
| Operating Cash Flow | 533.00M | 487.00M | 568.00M | 605.00M | 526.00M | 393.00M | 479.00M | 456.00M | 477.00M | 447.00M | 617.00M | 629.00M |
| Investing Cash Flow | -672.00M | 317.00M | -1.50B | -338.00M | -221.00M | 691.00M | -1.35B | -569.00M | 31.00M | 720.00M | -1.79B | -281.00M |
| Dividends Paid | -9.00M | -10.00M | -10.00M | -10.00M | -10.00M | -10.00M | -11.00M | -10.00M | -11.00M | -11.00M | -10.00M | -11.00M |
| Share Repurchases | -243.00M | -153.00M | -123.00M | -40.00M | -47.00M | -103.00M | -44.00M | 0 | 0 | -11.00M | 0 | -35.00M |
| Financing Cash Flow | -59.00M | -475.00M | 784.00M | -306.00M | -723.00M | -562.00M | 1.11B | -488.00M | -244.00M | -975.00M | 1.40B | -304.00M |
| Net Change in Cash | -198.00M | 329.00M | -151.00M | -39.00M | -418.00M | 522.00M | 243.00M | -601.00M | 264.00M | 192.00M | 221.00M | 44.00M |
| Free Cash Flow | 533.00M | 487.00M | 568.00M | 605.00M | 526.00M | 393.00M | 479.00M | 456.00M | 477.00M | 447.00M | 617.00M | 629.00M |
This table shows 12 quarterly periods of Bread Financial's cash flow statement, from Q2 2026 back to Q3 2023, 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?