Bread Financial Holdings, Inc. (BFH) quarterly balance sheet — complete assets, liabilities & equity history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Total Current Assets | 3.64B | 3.95B | 3.94B | 3.98B | 4.38B | 4.03B | 3.63B | 4.23B | 3.96B | 3.9B | 3.41B | 3.36B | 3.65B | 4.15B | 3.69B | 3.24B | 3.16B | 3.26B | 19.39B | 18.91B |
| Cash & Short-Term Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash Only | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Short-Term Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Days Sales Outstanding | - | 11.6 | - | - | - | 11.54 | - | - | - | 10.56 | - | - | - | 12.29 | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Days Inventory Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Current Assets | 0 | 24M | 0 | 0 | 0 | 35M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -110M | 1.61B | 1.29B |
| Total Non-Current Assets | 18.67B | 18.72B | 17.78B | 17.85B | 18B | 18.86B | 18.1B | 17.91B | 18.34B | 19.24B | 18.2B | 18.25B | 18.31B | 21.26B | 18.27B | 18.57B | 17.77B | 18.48B | 2.87B | 2.9B |
| Property, Plant & Equipment | 112M | 180M | 122M | 127M | 133M | 229M | 148M | 157M | 166M | 265M | 160M | 162M | 180M | 283M | 204M | 219M | 220M | 312M | 500.2M | 510.7M |
| Fixed Asset Turnover | 8.29x | 7.77x | 9.49x | 8.84x | 6.60x | 6.13x | 8.02x | 7.31x | 5.75x | 5.91x | 7.76x | 6.77x | 6.54x | 5.04x | 5.31x | 4.60x | 3.80x | 0.19x | 1.68x | 1.49x |
| Goodwill | 708M | 634M | 723M | 731M | 738M | 634M | 754M | 0 | 0 | 634M | 0 | 0 | 0 | 634M | 0 | 0 | 0 | 634M | 1.34B | 1.36B |
| Intangible Assets | 0 | 82M | 0 | 0 | 0 | 112M | 0 | 744M | 753M | 128M | 771M | 780M | 790M | 165M | 690M | 694M | 682M | 53M | 64.1M | 69.6M |
| Long-Term Investments | 16.34B | 16.81B | 15.7B | 15.66B | 15.74B | 16.75B | 15.84B | 15.66B | 16.01B | 17.09B | 15.93B | 15.95B | 16.02B | 19.03B | 16.17B | 15.87B | 15.02B | 15.68B | 0 | 0 |
| Other Non-Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Assets | 22.31B | 22.66B | 21.71B | 21.82B | 22.38B | 22.89B | 21.74B | 22.14B | 22.3B | 23.14B | 21.61B | 21.61B | 21.97B | 25.41B | 21.96B | 21.81B | 20.94B | 21.75B | 22.26B | 21.81B |
| Asset Turnover | 0.05x | 0.05x | 0.05x | 0.05x | 0.05x | 0.05x | 0.06x | 0.05x | 0.05x | 0.06x | 0.06x | 0.05x | 0.06x | 0.05x | 0.05x | 0.05x | 0.05x | 0.00x | 0.04x | 0.04x |
| Asset Growth % | -0.33% | -1% | -0.1% | -1.46% | 0.37% | -1.08% | 0.59% | 2.48% | 1.5% | -8.92% | -1.6% | -0.93% | 4.92% | 16.84% | -1.34% | -0.01% | -1.06% | -3.55% | 5.42% | -4.61% |
| Total Current Liabilities | 14.07B | 14.68B | 13.54B | 13.34B | 13.1B | 13.95B | 12.85B | 12.99B | 13.33B | 14.31B | 13.27B | 13.05B | 13.14B | 14.53B | 12.44B | 11.03B | 10.65B | 11.63B | 12.93B | 10.57B |
| Accounts Payable | 0 | 289M | 0 | 0 | 0 | 326M | 0 | 0 | 0 | 422M | 0 | 0 | 0 | 398M | 0 | 0 | 0 | 291M | 365.6M | 351.8M |
| Days Payables Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.2B | 1.66B |
| Deferred Revenue (Current) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Current Liabilities | 14.07B | 13.92B | 13.54B | 13.34B | 13.1B | 13.08B | 12.85B | 12.99B | 13.33B | 13.62B | 13.27B | 13.05B | 13.14B | 13.83B | 12.44B | 11.03B | 10.65B | 11.03B | 8.04B | 7.22B |
| Current Ratio | 0.26x | 0.27x | 0.29x | 0.30x | 0.33x | 0.29x | 0.28x | 0.33x | 0.30x | 0.27x | 0.26x | 0.26x | 0.28x | 0.29x | 0.30x | 0.29x | 0.30x | 0.28x | 1.50x | 1.79x |
| Quick Ratio | 0.26x | 0.27x | 0.29x | 0.30x | 0.33x | 0.29x | 0.28x | 0.33x | 0.30x | 0.27x | 0.26x | 0.26x | 0.28x | 0.29x | 0.30x | 0.29x | 0.30x | 0.28x | 1.50x | 1.79x |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 4.91B | 4.65B | 4.86B | 5.32B | 6.21B | 5.89B | 5.78B | 5.98B | 5.94B | 5.91B | 5.48B | 5.83B | 6.12B | 8.61B | 7.12B | 8.51B | 8.02B | 8.03B | 7.08B | 9.19B |
| Long-Term Debt | 3.94B | 4.31B | 3.79B | 4.23B | 5.12B | 5.56B | 4.58B | 4.75B | 4.65B | 5.29B | 4.22B | 4.7B | 4.88B | 8.01B | 5.93B | 7.44B | 6.78B | 7.44B | 4.13B | 5.7B |
| Capital Lease Obligations | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Deferred Tax Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Non-Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | 18.98B | 19.34B | 18.4B | 18.66B | 19.31B | 19.84B | 18.62B | 18.97B | 19.27B | 20.22B | 18.74B | 18.87B | 19.25B | 23.14B | 19.56B | 19.54B | 18.67B | 19.66B | 20.01B | 19.76B |
| Total Debt | 3.94B | 4.39B | 3.79B | 4.23B | 5.12B | 5.68B | 4.58B | 4.75B | 4.65B | 5.44B | 4.22B | 4.7B | 4.88B | 8.13B | 5.93B | 7.44B | 6.78B | 7.58B | 7.59B | 7.64B |
| Net Debt | 304M | 789M | 23M | 428M | 909M | 2.01B | 1.13B | 701M | 863M | 1.85B | 843M | 1.37B | 1.27B | 4.24B | 2.35B | 4.33B | 3.85B | 4.53B | 4.42B | 4.64B |
| Debt / Equity | 1.19x | 1.32x | 1.14x | 1.34x | 1.67x | 1.86x | 1.47x | 1.50x | 1.53x | 1.86x | 1.47x | 1.72x | 1.80x | 3.59x | 2.47x | 3.27x | 2.99x | 3.63x | 3.38x | 3.73x |
| Debt / EBITDA | 15.04x | 66.56x | 17.61x | 21.68x | 23.49x | - | 73.94x | 23.42x | 22.05x | 129.52x | 17.03x | 38.83x | 7.27x | - | 27.21x | 161.67x | 20.98x | 583.00x | 18.32x | 15.14x |
| Net Debt / EBITDA | 1.16x | 11.95x | 0.11x | 2.19x | 4.17x | - | 18.27x | 3.45x | 4.09x | 44.05x | 3.40x | 11.35x | 1.89x | - | 10.77x | 94.04x | 11.91x | 348.69x | 10.67x | 9.20x |
| Interest Coverage | 1.26x | 0.24x | 0.93x | 0.79x | 0.88x | -0.12x | 0.17x | 0.75x | 0.76x | 0.08x | 1.03x | 0.42x | 2.93x | -1.07x | 1.42x | 0.17x | 3.82x | -0.15x | 3.19x | 3.72x |
| Total Equity | 3.33B | 3.33B | 3.32B | 3.17B | 3.07B | 3.05B | 3.11B | 3.17B | 3.03B | 2.92B | 2.86B | 2.74B | 2.72B | 2.27B | 2.4B | 2.27B | 2.27B | 2.09B | 2.25B | 2.05B |
| Equity Growth % | 8.38% | 9.05% | 6.59% | -0.13% | 1.19% | 4.56% | 8.66% | 15.86% | 11.63% | 28.83% | 19.38% | 20.26% | 19.75% | 8.58% | 6.83% | 11.09% | 28.55% | 37.06% | 69.79% | 77.37% |
| Book Value per Share | 76.97 | 72.33 | 69.83 | 67.08 | 61.85 | 60.54 | 61.02 | 63.15 | 61.01 | 58.83 | 57.17 | 54.39 | 54.21 | 45.39 | 48.08 | 45.59 | 45.36 | 41.72 | 44.91 | 40.96 |
| Total Shareholders' Equity | 3.33B | 3.33B | 3.32B | 3.17B | 3.07B | 3.05B | 3.11B | 3.17B | 3.03B | 2.92B | 2.86B | 2.74B | 2.72B | 2.27B | 2.4B | 2.27B | 2.27B | 2.09B | 2.25B | 2.05B |
| Common Stock | 0 | 0 | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 500K | 1.2M |
| Retained Earnings | 1.64B | 1.48B | 1.43B | 1.25B | 1.13B | 999M | 1B | 1.01B | 890M | 767M | 735M | 574M | 537M | 93M | 238M | 114M | 113M | -87M | 130.5M | 5.37B |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -6.73B |
| Accumulated OCI | -17M | -16M | -16M | -19M | -19M | -22M | -16M | -22M | -22M | -19M | -27M | -20M | -19M | -21M | -21M | -14M | -9M | -2M | -56.2M | -33.1M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |