Bread Financial Holdings annual free cash flow
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2022
Bread Financial Holdings Free Cash Flow (FCF) History (BFH)
Bread Financial Holdings reported $1.78B in free cash flow for fiscal 2022, an increase of 22.00% from the previous fiscal year, with a free cash flow margin of 46.52%.
View full Bread Financial Holdings company overviewBread Financial Holdings free cash flow by year
| Fiscal year | Period ended | Free cash flow | Change | Growth | FCF margin |
|---|---|---|---|---|---|
| 2022 | 2022-12-31 | $1.78B | $321.0M | +22.00% | +46.52% |
| 2021 | 2021-12-31 | $1.46B | −$370.0M | −20.23% | +44.59% |
| 2020 | 2020-12-31 | $1.83B | $753.0M | +69.98% | +316.87% |
| 2019 | 2019-12-31 | $1.08B | −$1.48B | −57.89% | +128.06% |
| 2018 | 2018-12-31 | $2.56B | $181.4M | +7.64% | +266.13% |
| 2017 | 2017-12-31 | $2.37B | $453.5M | +23.62% | +43.36% |
| 2016 | 2016-12-31 | $1.92B | $352.1M | +22.45% | +26.90% |
| 2015 | 2015-12-31 | $1.57B | $382.6M | +32.27% | +24.35% |
| 2014 | 2014-12-31 | $1.19B | $317.4M | +36.56% | +22.36% |
| 2013 | 2013-12-31 | $868.1M | −$149.6M | −14.70% | +20.10% |
| 2012 | 2012-12-31 | $1.02B | $79.9M | +8.52% | +27.95% |
| 2011 | 2011-12-31 | $937.8M | $103.9M | +12.46% | +29.55% |
| 2010 | 2010-12-31 | $834.0M | $528.5M | +173.03% | +29.88% |
| 2009 | 2009-12-31 | $305.4M | −$96.0M | −23.92% | +15.55% |
| 2008 | 2008-12-31 | $401.5M | — | — | +19.82% |
Bread Financial Holdings quarterly free cash flow
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Q4.22
| Fiscal quarter | Period ended | Free cash flow | Change | YoY growth | FCF margin |
|---|---|---|---|---|---|
| Q4 2022 | 2022-12-31 | $482.0M | $172.0M | +55.48% | +46.66% |
| Q3 2022 | 2022-09-30 | $598.0M | $147.0M | +32.59% | +61.08% |
| Q2 2022 | 2022-06-30 | $223.0M | $30.0M | +15.54% | +24.97% |
| Q1 2022 | 2022-03-31 | $477.0M | −$28.0M | −5.54% | +51.79% |
| Q4 2021 | 2021-12-31 | $310.0M | −$68.3M | −18.05% | +10.58% |
| Q3 2021 | 2021-09-30 | $451.0M | $41.7M | +10.19% | +432.41% |
| Q2 2021 | 2021-06-30 | $193.0M | −$291.6M | −60.17% | +200.83% |
| Q1 2021 | 2021-03-31 | $505.0M | −$51.8M | −9.30% | +358.66% |
| Q4 2020 | 2020-12-31 | $378.3M | $713.3M | — | +238.07% |
| Q3 2020 | 2020-09-30 | $409.3M | −$4.2M | −1.02% | +304.31% |
| Q2 2020 | 2020-06-30 | $484.6M | $59.2M | +13.92% | +405.52% |
| Q1 2020 | 2020-03-31 | $556.8M | −$15.3M | −2.67% | +338.89% |
| Q4 2019 | 2019-12-31 | −$335.0M | −$1.01B | — | −138.20% |
| Q3 2019 | 2019-09-30 | $413.5M | −$239.3M | −36.66% | +208.21% |
| Q2 2019 | 2019-06-30 | $425.4M | −$192.7M | −31.18% | +196.04% |
| Q1 2019 | 2019-03-31 | $572.1M | −$33.1M | −5.47% | +314.00% |
| Q4 2018 | 2018-12-31 | $679.0M | −$112.5M | −14.21% | +253.07% |
| Q3 2018 | 2018-09-30 | $652.8M | −$23.6M | −3.49% | +293.26% |
| Q2 2018 | 2018-06-30 | $618.1M | $137.8M | +28.69% | +249.84% |
| Q1 2018 | 2018-03-31 | $605.2M | $179.7M | +42.23% | +272.86% |
| Q4 2017 | 2017-12-31 | $791.5M | $44.0M | +5.89% | — |
| Q3 2017 | 2017-09-30 | $676.4M | $127.2M | +23.16% | +35.37% |
| Q2 2017 | 2017-06-30 | $480.3M | $82.0M | +20.59% | +26.36% |
| Q1 2017 | 2017-03-31 | $425.5M | $200.3M | +88.94% | +22.65% |
| Q4 2016 | 2016-12-31 | $747.5M | $70.5M | +10.41% | +40.90% |
| Q3 2016 | 2016-09-30 | $549.2M | $133.8M | +32.21% | +29.13% |
| Q2 2016 | 2016-06-30 | $398.3M | $54.9M | +15.99% | +22.78% |
| Q1 2016 | 2016-03-31 | $225.2M | $92.9M | +70.22% | +13.44% |
| Q4 2015 | 2015-12-31 | $677.0M | $344.9M | +103.84% | +38.71% |
| Q3 2015 | 2015-09-30 | $415.4M | $72.6M | +21.16% | +26.14% |
| Q2 2015 | 2015-06-30 | $343.4M | $122.5M | +55.44% | +22.88% |
| Q1 2015 | 2015-03-31 | $132.3M | −$157.3M | −54.32% | +8.26% |
| Q4 2014 | 2014-12-31 | $332.1M | $171.1M | +106.24% | +22.35% |
| Q3 2014 | 2014-09-30 | $342.8M | $107.2M | +45.51% | +25.99% |
| Q2 2014 | 2014-06-30 | $220.9M | $165,000 | +0.07% | +17.46% |
| Q1 2014 | 2014-03-31 | $289.6M | $38.9M | +15.52% | +23.49% |
| Q4 2013 | 2013-12-31 | $161.0M | −$72.0M | −30.89% | +14.11% |
| Q3 2013 | 2013-09-30 | $235.6M | −$187.2M | −44.28% | +21.49% |
| Q2 2013 | 2013-06-30 | $220.8M | $67.1M | +43.68% | +21.47% |
| Q1 2013 | 2013-03-31 | $250.7M | $42.5M | +20.39% | +23.80% |
| Q4 2012 | 2012-12-31 | $233.0M | $9.1M | +4.08% | +23.98% |
| Q3 2012 | 2012-09-30 | $422.8M | $82.8M | +24.35% | +46.39% |
| Q2 2012 | 2012-06-30 | $153.6M | −$28.5M | −15.66% | +17.73% |
| Q1 2012 | 2012-03-31 | $208.3M | $16.5M | +8.60% | +23.36% |
| Q4 2011 | 2011-12-31 | $223.9M | $35.1M | +18.61% | +26.42% |
| Q3 2011 | 2011-09-30 | $340.0M | $109.8M | +47.70% | +40.25% |
| Q2 2011 | 2011-06-30 | $182.2M | −$41.7M | −18.62% | +24.60% |
| Q1 2011 | 2011-03-31 | $191.8M | $632,000 | +0.33% | +25.90% |
| Q4 2010 | 2010-12-31 | $188.7M | $111.2M | +143.31% | +24.98% |
| Q3 2010 | 2010-09-30 | $230.2M | — | — | +32.77% |
| Q2 2010 | 2010-06-30 | $223.9M | — | — | +33.43% |
| Q1 2010 | 2010-03-31 | $191.1M | — | — | +28.80% |
| Q3 2009 | 2009-09-30 | $77.6M | — | — | +16.11% |
Bread Financial Holdings free cash flow growth trends
Over the last five reported fiscal years, free cash flow declined from $2.37B to $1.78B, a compound annual decline of 5.59%. Bread Financial Holdings's latest reported quarter, Q4 2022, generated $482.0M in free cash flow, an increase of 55.48% year over year.
About the metric
What free cash flow means
Free cash flow is the cash a company generates from operations after capital expenditures. Positive FCF can fund dividends, buybacks, debt repayment, or reinvestment; negative FCF means capital spending exceeded operating cash flow for that period.
Calculation and source
How free cash flow is calculated
TickerStat calculates free cash flow as SEC-reported operating cash flow minus capital expenditures. FCF margin equals free cash flow divided by revenue. Fiscal periods can differ from calendar years, so the tables include exact period-end dates.
Review Bread Financial Holdings filings at SEC.gov ↗