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Bread Financial free cash flow BFH

Cash from operations less capital spending, by quarter and over the last twelve months, from 2009.

Last 12 months, to Dec 31, 2022
$1.8B
Latest quarter, Q4 FY22
$482M
+56% on a year earlier
Fiscal year 2022
$1.8B
+22% on the year before

Bread Financial's free cash flow was $1.8B over the twelve months to Dec 31, 2022, up 22% on a year earlier.

In its latest quarter, Q4 FY22, it was $482M, up 56% on the same quarter a year before.

Over the five fiscal years to FY2022 it shrank 6% a year on average.

Free cash flow over time

Open the interactive chart, with overlays and comparisons

Fiscal year by fiscal year

Fiscal yearFree cash flowChange
FY2022$1.8B+22%
FY2021$1.5B−20%
FY2020$1.8B+70%
FY2019$1.1B−58%
FY2018$2.6B+8%
FY2017$2.4B+24%
FY2016$1.9B+26%
FY2015$1.5B+28%
FY2014$1.2B+37%
FY2013$868.1M−15%
FY2012$1B+9%
FY2011$937.8M+12%
FY2010$834Mn/a
FY2009n/an/a

Each fiscal year is the twelve months to its fourth quarter.

Quarter by quarter

QuarterEndedFree cash flowOn a year earlierLast 12 months
Q4 FY22$482M+56%$1.8B
Q3 FY22$598M+33%$1.6B
Q2 FY22$223M+15%$1.5B
Q1 FY22$477M−6%$1.4B
Q4 FY21$309.8M−18%$1.5B
Q3 FY21$450.9M+10%$1.5B
Q2 FY21$193.3M−60%$1.5B
Q1 FY21$505M−9%$1.8B
Q4 FY20$378Mn/a$1.8B
Q3 FY20$409.3M−1%$1.1B
Q2 FY20$484.6M+14%$1.1B
Q1 FY20$556.8M−3%$1.1B

Against its peers

Companies in Financial - Credit Services nearest Bread Financial's size, closest first, today.

CompanyFree cash flow yield
BFHBread Financialn/m
ENVAEnova Internationaln/m
SLMSLMn/m
PAYPaymentus3.8%
TNETTrinet8.3%
NNINelnet8.3%
SEZLSezzle7.4%
MMSMaximus13.1%
DAVEDave7.2%
CBZCBIZ9.2%
FIGRFigure Technology Solutionsn/m
Peer median8.3%

What the free cash flow tells you

Cash from operations minus capital spending. The cash the company could hand back or reinvest.

Seasonal and lumpy quarter to quarter. The TTM view is the one to trust.

More on Bread Financial

Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.