Bread Financial Holdings, Inc. balance sheet
At the end of fiscal 2025, Bread Financial Holdings, Inc. had total assets of $22.66bn, total liabilities of $19.34bn and shareholders' equity of $3.33bn. It held $3.60bn in cash against $4.31bn of debt.
Balance sheet
| Fiscal year | 2009Dec 2009 | 2010Dec 2010 | 2011Dec 2011 | 2012Dec 2012 | 2013Dec 2013 | 2014Dec 2014 | 2015Dec 2015 | 2016Dec 2016 | 2017Dec 2017 | 2018Dec 2018 | 2019Dec 2019 | 2020Dec 2020 | 2021Dec 2021 | 2022Dec 2022 | 2023Dec 2023 | 2024Dec 2024 | 2025Dec 2025 | LTMSept 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | 0.2 | 0.1 | 0.2 | 0.9 | 1.0 | 1.1 | 1.2 | 1.9 | 4.2 | 3.8 | 3.9 | 2.8 | 3.0 | 3.9 | 3.6 | 3.7 | 3.6 | 4.0 |
| Receivables | 0.2 | 0.3 | 0.3 | 0.4 | 0.4 | 0.7 | 0.7 | 0.8 | 0.8 | 0.4 | 0.5 | 0.4 | — | — | — | — | — | — |
| Inventory | — | — | — | — | 0.0 | 0.2 | 0.2 | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 | — | — | — | — | — | — |
| Total current assets | 2.4 | 6.1 | 6.6 | 9.1 | 10.4 | 13.8 | 16.3 | 19.6 | 24.7 | 24.7 | 24.1 | 19.6 | — | — | — | — | — | — |
| Goodwill | 1.2 | 1.2 | 1.4 | 1.8 | 1.7 | 3.9 | 3.8 | 3.8 | 1.0 | 1.0 | 1.0 | 0.6 | 0.6 | 0.6 | 0.6 | 0.6 | 0.6 | — |
| Total assets | 5.2 | 8.3 | 9.0 | 12.0 | 13.2 | 20.2 | 22.3 | 25.5 | 1.8 | 30.4 | 26.5 | 22.5 | 21.7 | 25.4 | 23.1 | 22.9 | 22.7 | 23.3 |
| Accounts payable | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | 0.5 | 0.4 | 0.6 | 0.7 | 0.5 | 0.3 | 0.3 | — | — | — | — | — | — |
| Deferred revenue (current) | 1.0 | 1.0 | 1.0 | 1.1 | 1.0 | 0.8 | 0.7 | 0.8 | 0.8 | 0.8 | 0.8 | 0.9 | — | — | — | — | — | — |
| Total current liabilities | 2.1 | 3.9 | 3.9 | 5.0 | 4.5 | 6.3 | 6.4 | 9.2 | 10.1 | 11.5 | 11.9 | 10.4 | — | — | — | — | — | — |
| Short-term debt | 0.1 | 0.3 | 0.0 | 0.8 | 0.4 | 0.2 | 0.4 | 0.8 | 0.1 | 0.1 | — | — | — | — | — | — | — | — |
| Long-term debt | 1.7 | 1.6 | 2.2 | 2.9 | 2.8 | 4.8 | 5.1 | 5.6 | 6.1 | 5.7 | 2.8 | 2.8 | 7.4 | 8.0 | 5.3 | 5.6 | 4.3 | — |
| Total debt | 1.8 | 1.9 | 2.3 | 2.9 | 2.8 | 4.8 | 5.1 | 5.6 | 6.2 | 5.7 | 2.8 | 2.8 | 7.4 | 8.0 | 5.3 | 5.6 | 4.3 | — |
| Total liabilities | 5.0 | 8.2 | 8.8 | 11.5 | 12.4 | 17.6 | 20.2 | 23.9 | 1.2 | 28.1 | 24.9 | 21.0 | 19.7 | 23.1 | 20.2 | 19.8 | 19.3 | 19.9 |
| Shareholders' equity | 0.3 | 0.0 | 0.2 | 0.5 | 0.9 | 2.4 | 2.0 | 1.7 | 1.9 | 2.3 | 1.6 | 1.5 | 2.1 | 2.3 | 2.9 | 3.1 | 3.3 | 3.4 |
| Non-controlling interests and other (assets − liabilities − equity) | — | — | — | — | — | — | — | — | −1.2 | — | — | — | — | — | — | — | — | — |
| Shares outstanding | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 49m | 44m | 38m |
| Quarter | 2024 Q4Dec 2024 | 2025 Q1Mar 2025 | 2025 Q2Jun 2025 | 2025 Q3Sept 2025 | 2025 Q4Dec 2025 | 2026 Q1Mar 2026 | 2026 Q2Jun 2026 | 2026 Q3Sept 2026 |
|---|---|---|---|---|---|---|---|---|
| Goodwill | 0.6 | — | — | — | 0.6 | — | — | — |
| Total assets | 22.9 | 22.4 | 21.8 | 21.7 | 22.7 | 22.3 | 22.5 | 23.3 |
| Long-term debt | 5.6 | 5.1 | 4.2 | 3.8 | 4.3 | — | — | — |
| Total debt | 5.6 | 5.1 | 4.2 | 3.8 | 4.3 | — | — | — |
| Total liabilities | 19.8 | 19.3 | 18.7 | 18.4 | 19.3 | 19.0 | 19.1 | 19.9 |
| Shareholders' equity | 3.1 | 3.1 | 3.2 | 3.3 | 3.3 | 3.3 | 3.4 | 3.4 |
| Shares outstanding | 49m | — | — | — | 44m | 41m | 39m | 38m |
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