Bread Financial Inc.
BFH | NYSE
$105.50
-$2.50 (-2.31%)
Sep 22, 2026, 1:51 PM ET · Market open
TTM Period Ending | Q1 2026 Mar 30, 2026 | Q4 2025 Dec 30, 2025 | Q3 2025 Sep 29, 2025 | Q2 2025 Jun 29, 2025 | Q1 2025 Mar 30, 2025 | Q4 2024 Dec 30, 2024 | Q3 2024 Sep 29, 2024 | Q2 2024 Jun 29, 2024 | Q1 2024 Mar 30, 2024 | Q4 2023 Dec 30, 2023 | Q3 2023 Sep 29, 2023 | Q2 2023 Jun 29, 2023 | Q1 2023 Mar 30, 2023 | Q4 2022 Dec 30, 2022 | Q3 2022 Sep 29, 2022 | Q2 2022 Jun 29, 2022 | Q1 2022 Mar 30, 2022 | Q4 2021 Dec 30, 2021 | Q3 2021 Sep 29, 2021 | Q2 2021 Jun 29, 2021 | Q1 2021 Mar 30, 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Income | 561M | 518M | 471M | 285M | 281M | 277M | 313M | 483M | 397M | 718M | 541M | 503M | 468M | 223M | 374.6M | 463.6M | 724.1M | 800.3M | 794.7M | 705M | 469.9M |
Depreciation & Amortization | 78M | 80M | 83M | 86M | 88M | 90M | 92M | 93M | 105M | 116M | 125M | 131M | 126M | 113M | 105.8M | 107.8M | 109.3M | 122.3M | 160M | 169.2M | 179M |
Stock-Based Compensation | 58M | 56M | 54M | 54M | 52M | 54M | 53M | 50M | 50M | 44M | 41M | 39M | 35M | 33M | 28.4M | 29.4M | 29.6M | 29.4M | 30.1M | 26.3M | 23.4M |
Other Working Capital | 9M | -39M | -64M | -96M | -162M | -67M | -35M | 87M | -2M | 28M | -51M | -4M | -114M | -47M | -80.4M | -173.4M | -124.2M | -40.3M | 187.4M | 457.8M | 429.2M |
Other Non-Cash Items | 1.4B | 1.39B | 1.39B | 1.55B | 1.55B | 1.59B | 1.67B | 1.54B | 1.59B | 1.15B | 1.35B | 1.35B | 1.45B | 1.77B | 1.43B | 1.26B | 821.3M | 646.4M | 475.1M | 522.2M | 815.8M |
Deferred Income Tax | 79M | 90M | 74M | -23M | -6M | -85M | -97M | -83M | -105M | -68M | -143M | -173M | -216M | -245M | -172M | -139M | -37.1M | -14.9M | -45M | -332.1M | -89.9M |
Change in Working Capital | 9M | -39M | -64M | -96M | -162M | -67M | -35M | 87M | -2M | 28M | -51M | -4M | -114M | -47M | -80.4M | -173.4M | -124.2M | -40.3M | 187.4M | 457.8M | 429.2M |
Operating Cash Flow | 2.19B | 2.09B | 2B | 1.85B | 1.81B | 1.86B | 2B | 2.17B | 2.04B | 1.99B | 1.87B | 1.85B | 1.75B | 1.85B | 1.69B | 1.55B | 1.52B | 1.54B | 1.6B | 1.55B | 1.83B |
Capital Expenditures | -8M | -8M | -8M | 26M | 17M | n/a | -21M | -57M | -48M | -42M | -36M | -37M | -60M | -69M | -79.2M | -92.2M | -91.9M | -84.1M | -75M | -62.8M | -50.5M |
Cash Acquisitions | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -75M | -75M | -52.3M | -52.1M | -243.9M | -242.6M | -254.9M |
Purchase of Investments | -24M | -22M | -22M | -23M | -25M | -31M | -50M | -59M | -65M | -60M | -47M | -37M | -25M | -36M | -43.6M | -55.6M | -88.6M | -92.9M | -95.2M | -85.9M | -33.9M |
Sales Maturities Of Investments | 19M | 20M | 20M | 17M | 16M | 14M | 24M | 25M | 24M | 24M | 15M | 18M | 21M | 30M | 37.3M | 56.3M | 62.8M | 72.9M | 79.6M | 79.9M | 85.4M |
Other Investing Acitivies | -1.74B | -1.37B | -1.22B | -1.44B | -1.18B | -1.12B | -1.53B | -1.23B | -1.54B | 872M | -970M | -1.29B | -2.22B | -5.04B | -3.4B | -2.96B | -2.22B | -1.53B | -875.4M | -719.7M | 1.29B |
Investing Cash Flow | -1.75B | -1.37B | -1.22B | -1.45B | -1.2B | -1.17B | -1.61B | -1.32B | -1.63B | 788M | -1.04B | -1.35B | -2.28B | -5.11B | -3.56B | -3.12B | -2.39B | -1.69B | -1.21B | -1.03B | 1.04B |
Debt Repayment | -1.32B | -1.32B | -848M | -729M | 279M | 63M | 188M | 40M | -222M | -2.7B | -1.69B | -2.72B | -1.9B | 560M | -750M | 719M | 793M | -434M | -2.3B | -3.32B | -5.28B |
Common Stock Repurchased | -363M | -313M | -234M | -194M | -147M | -55M | -11M | -46M | -46M | -35M | -35M | n/a | n/a | -12M | -12M | -12M | -12M | n/a | n/a | n/a | n/a |
Dividend Paid | -44M | -42M | -42M | -43M | -44M | -43M | -42M | -43M | -42M | -42M | -43M | -42M | -44M | -43M | -43M | -43M | -41M | -42M | -41.1M | -41.2M | -41.3M |
Other Financial Acitivies | 1B | 865M | 648M | 308M | -267M | -557M | -447M | -79M | 83M | -313M | 730M | 1.92B | 2.48B | 2.76B | 2.39B | 1.24B | 513M | 1.08B | 2.08B | 737.8M | 914M |
Financial Cash Flow | -720M | -807M | -476M | -658M | -179M | -592M | -312M | -128M | -227M | -3.09B | -1.04B | -838M | 529M | 3.27B | 1.59B | 1.9B | 1.25B | 608M | -259.2M | -2.62B | -4.4B |
Net Cash Flow | -279M | -86M | 308M | -254M | 428M | 98M | 76M | 721M | 176M | -311M | -213M | -346M | -2M | 4M | -282.6M | 330.4M | 387.6M | 460.3M | 140.2M | -2.08B | -1.52B |
Free Cash Flow | 2.18B | 2.08B | 2B | 1.88B | 1.82B | 1.86B | 1.98B | 2.11B | 1.99B | 1.95B | 1.83B | 1.81B | 1.69B | 1.78B | 1.61B | 1.46B | 1.43B | 1.46B | 1.53B | 1.49B | 1.78B |
Adj. Free Cash Flow | 2.12B | 2.03B | 1.94B | 1.83B | 1.77B | 1.81B | 1.92B | 2.06B | 1.94B | 1.9B | 1.79B | 1.77B | 1.65B | 1.75B | 1.58B | 1.43B | 1.4B | 1.43B | 1.5B | 1.46B | 1.75B |
Maintenance CapEx | -8M | -8M | -8M | 26M | 18.73M | 1.73M | -16.94M | -42.94M | -35.67M | -18.67M | n/a | -8.84M | -9.56M | -29.56M | -54.76M | -65.33M | -87.31M | -79.51M | -70.41M | -62.8M | -50.5M |
Growth CapEx | n/a | n/a | n/a | n/a | -1.73M | -1.73M | -4.06M | -14.06M | -12.33M | -23.33M | -36M | -28.16M | -50.44M | -39.44M | -24.44M | -26.87M | -4.59M | -4.59M | -4.59M | n/a | n/a |
Owner Earnings | 2.18B | 2.08B | 2B | 1.88B | 1.82B | 1.86B | 1.98B | 2.13B | 2B | 1.97B | 1.87B | 1.84B | 1.74B | 1.82B | 1.63B | 1.49B | 1.44B | 1.46B | 1.53B | 1.49B | 1.78B |
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