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Bread Financial Inc.

BFH | NYSE
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$105.95
-$2.05 (-1.90%)
Sep 22, 2026, 1:20 PM ET · Market open
Fiscal Year
Period Ending
FY 2025
Dec 30, 2025
FY 2024
Dec 30, 2024
FY 2023
Dec 30, 2023
FY 2022
Dec 30, 2022
FY 2021
Dec 30, 2021
FY 2020
Dec 30, 2020
Net Income
518M 277M 718M 223M 801M 214M
Depreciation & Amortization
80M 90M 116M 113M 123M 184M
Stock-Based Compensation
56M 54M 44M 33M 29M 21M
Other Working Capital
-39M -67M 28M -47M -41M 156M
Other Non-Cash Items
1.39B 1.59B 1.15B 1.77B 646M 1.4B
Deferred Income Tax
90M -85M -68M -245M -15M -223M
Change in Working Capital
-39M -67M 28M -47M -41M 283M
Operating Cash Flow
2.09B 1.86B 1.99B 1.85B 1.54B 1.88B
Capital Expenditures
n/a n/a n/a -68M -84M -54M
Cash Acquisitions
n/a n/a n/a n/a -75M -267M
Purchase of Investments
-22M -31M -50M -43M -93M -40M
Sales Maturities Of Investments
20M 14M 14M 30M 73M 77M
Other Investing Acitivies
-1.37B -1.15B 824M -5.03B -1.51B 2.06B
Investing Cash Flow
-1.37B -1.17B 788M -5.11B -1.69B 1.77B
Debt Repayment
-1.32B 69M -2.7B 560M -434M -1.72B
Common Stock Repurchased
-313M -55M -35M -12M n/a n/a
Dividend Paid
-42M -43M -42M -43M -42M -61M
Other Financial Acitivies
794M -563M -313M 2.76B 1.08B -2.39B
Financial Cash Flow
-807M -592M -3.09B 3.27B 608M -4.17B
Net Cash Flow
-86M 98M -311M 4M 460M -495M
Free Cash Flow
2.09B 1.86B 1.99B 1.78B 1.46B 1.83B
Adj. Free Cash Flow
2.04B 1.81B 1.94B 1.75B 1.43B 1.81B
Maintenance CapEx
n/a n/a n/a n/a -84M -54M
Growth CapEx
n/a n/a n/a -68M n/a n/a
Owner Earnings
2.09B 1.86B 1.99B 1.85B 1.46B 1.83B

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