← BREAD FINANCIAL HOLDINGS, INC.

Annual Trend FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025
ASSETS
Current assets:
Cash and Cash Equivalents, at Carrying Value $1.9b $4.2b $3.9b $3.9b $3.1b $3.0b $3.9b $3.6b $3.7b $3.6b
Restricted Cash and Investments, Current $324.4m $589.5m $558.6m $600.8m $693.5m — — — — —
Short-term Investments — — — — — $80.0m $130.0m $250.0m $272.0m $26.0m
Inventory, Net $271.3m $234.1m $251.9m $218.0m $164.3m — — — — —
Assets, Current $19.6b $24.7b $24.7b $24.1b $19.6b — — — — —
Property, Plant and Equipment, Net $586.0m $613.9m $595.1m $282.3m $310.9m $215.0m $195.0m $167.0m $142.0m $117.0m
Goodwill $3.8b $3.9b $3.8b $954.9m $1.4b — $634.0m $634.0m $634.0m $634.0m
Intangible Assets, Net (Excluding Goodwill) $1.0b $800.6m $539.7m $153.3m $81.7m $53.0m $165.0m $128.0m $112.0m $82.0m
Operating Lease, Right-of-Use Asset — — — $264.3m $233.2m $97.0m $88.0m $98.0m $87.0m $63.0m
Other Assets, Noncurrent $514.7m $656.5m $653.2m $682.1m $558.1m — — — — —
Additional Financial Items
Accounts Receivable, after Allowance for Credit Loss, Current $797.2m $822.3m $923.9m $451.1m $383.8m $151.0m $164.0m $144.0m $145.0m $148.0m
Accrued Liabilities, Current $346.8m $442.8m $421.0m $327.8m $444.7m — — — — —
Assets $25.5b $30.7b $30.4b $26.5b $22.5b $21.7b $25.4b $23.1b $22.9b $22.7b
LIABILITIES AND EQUITY
Current liabilities:
Operating Lease, Liability, Current — — — $22.6m $23.6m — — — — —
Accounts Payable, Current $568.3m $651.2m $558.3m $300.8m $328.2m — — — — —
Operating Lease, Liability, Noncurrent — — — $291.7m $276.4m — — — — —
Deferred Revenue, Current $788.1m $846.6m — — — — — — — —
Deferred Revenue, Noncurrent $143.4m $120.3m — — — — — — — —
Dividends Payable, Current — — $700k $1.2m $600k — — — — —
Liabilities, Current $9.2b $10.1b $11.5b $11.9b $10.4b — — — — —
Deferred Income Tax Liabilities, Net — — — $80.0m — — — — — —
Other Liabilities, Noncurrent $326.0m $370.9m $422.3m $337.7m $419.5m — — — — —
Long-term Debt $5.6b $6.1b $5.7b $2.8b $2.8b $2.0b $8.0b $5.3b $5.6b $4.3b
Deferred Tax Liabilities, Net $314.7m $183.1m $209.6m $34.8m — — — — — —
Liabilities $23.9b $28.8b $28.1b $24.9b $21.0b $19.7b $23.1b $20.2b $19.8b $19.3b
Stockholders’ equity:
Preferred Stock, Value, Issued — — — — — — — — $0 $0
Common Stock, Value, Issued $1.1m $1.1m $1.1m $1.1m $1.2m $1.0m $1.0m $1.0m $1.0m $0
Additional Paid in Capital $3.0b $3.1b $3.2b $3.3b $3.4b $2.2b $2.2b $2.2b $2.1b $1.9b
Retained Earnings (Accumulated Deficit) $3.5b $4.2b $5.0b $5.2b $4.8b ($87.0m) $93.0m $767.0m $999.0m $1.5b
Accumulated Other Comprehensive Income (Loss), Net of Tax ($150.7m) ($140.2m) ($138.1m) ($99.9m) ($5.0m) ($2.0m) ($21.0m) ($19.0m) ($22.0m) ($16.0m)
Additional Paid in Capital, Common Stock $3.0b $3.1b $3.2b $3.3b $3.4b $2.2b — — $2.1b $1.9b
Stockholders' Equity Attributable to Parent $1.7b $1.9b $2.3b $1.6b $1.5b $2.1b $2.3b $2.9b $3.1b $3.3b
Liabilities and Equity $25.5b $30.7b $30.4b $26.5b $22.5b $21.7b $25.4b $23.1b $22.9b $22.7b

Data sourced from SEC EDGAR 10-K filings via EdgarTools. Amounts are shown in USD as reported in each fiscal year filing.

Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.