What is Bread Financial Holdings's free cash flow?

Bread Financial Holdings (BFH) reported free cash flow of $482M in Q4 2022.

How has Bread Financial Holdings's free cash flow changed year-over-year?

Bread Financial Holdings's free cash flow increased by 55.5% year-over-year, from $310M to $482M.

What does free cash flow mean?

Free cash flow represents the cash generated by a company after accounting for cash outflows to support operations and maintain or expand its capital asset base. It serves as a critical indicator of a company's ability to fund organic growth, pay down debt, or return capital to shareholders without relying on external financing.

Bread Financial Holdings BFH Free cash flow

Discontinued — last reported Q4 '22

Free cash flow at other companies

Capital One FinancialCOF

$5.47B+26.6%

PayPal Holdings, Inc.PYPL

$903M-6.3%

CVB FinancialCVBF

$61.25M+48.7%

Enova InternationalENVA

$463.79M+22.6%

Affirm Holdings, Inc.AFRM

——

Commerce BancsharesCBSH

——

Other financials

Income statement

See full

Revenue$1.0B+4.9%

Gross profit$361.8M—

Operating income$382.8M—

Net income$181.0M+31.2%

EPS (diluted)$4.15+49.3%

Balance sheet

See full

Cash & equivalents$4.0B-6.6%

Total debt$85.0M-98.5%

Total equity$3.3B+8.4%

Total assets$22.3B-0.3%

Cash flow

See full

Operating cash flow$487.0M+23.9%

CapEx$15.0M-40.0%

Valuation

See full

Market cap$4.14B+31.3%

P/E7.4×-3.9×

P/S1.1×+0.2×

Profitability

See full

Gross margin52%—

Operating margin45.9%—

Net margin14.4%+7.1pp

FCF margin46.5%+1.9pp

Returns & leverage

See full

Return on equity17.6%+8.4pp

Debt / equity0×-1.8×

Current ratio1.5×—

Where this comes from

Calculated from Bread Financial Holdings’s reported figures.

$497.0Mnet cash from operating−$15.0Mcapital expenditures=$482M

The official record: Bread Financial Holdings’s 10-K, filed February 14, 2025, on SEC EDGAR. View the filing →

Ask your AI about Bread Financial Holdings's free cash flow.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI

Claude

Questions, answered.

What is Bread Financial Holdings's free cash flow?: Bread Financial Holdings (BFH) reported free cash flow of $482M in Q4 2022.
How has Bread Financial Holdings's free cash flow changed year-over-year?: Bread Financial Holdings's free cash flow increased by 55.5% year-over-year, from $310M to $482M.
What does free cash flow mean?: Free cash flow represents the cash generated by a company after accounting for cash outflows to support operations and maintain or expand its capital asset base. It serves as a critical indicator of a company's ability to fund organic growth, pay down debt, or return capital to shareholders without relying on external financing.