Companies: 10,795·Total market cap: $144.5T
Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc.

BFHNYSEFinancial Services● Active
$91.91
+$0.80(+0.88%)
Market Cap$3.7B
P/E Ratio—
52W High$99.13
52W Low$49.17
Cash on HandFinancialsRevenue

Bread Financial Holdings, Inc. (BFH) Cash on Hand — Cash & Short-Term Investments

Cash & cash equivalents plus short-term investments from the balance sheet, YoY change, and net cash vs debt context.

BFH · cash on hand · updated Dec 31, 2025

Core cash position

Cash & Short-Term Investments (CCE + ST Investments)
$3.77B▼ -1.9% vs prior year
FY · as of Dec 31, 2025 · Reported in USD
Cash & Cash Equiv. (CCE)
$3.60B
cashAndCashEquivalents
Short-Term Investments
$171.0M
shortTermInvestments
YoY Change vs Prior Year
-1.9%
vs prior fiscal year
Latest Quarter
$3.64B
Q1 2026
Data Scope & Methodology

Cash on Hand = Cash & Cash Equivalents (CCE) + Short-Term Investments, as reported on the balance sheet (10-K/10-Q). Also referred to as cash reserves or cash position. Not free cash flow.

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · Reported in USD

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · USDUpdated: December 31, 2025

Net cash vs debt

Cash & ST Investments$3.77BCash on Hand
Total Debt$4.39BTotal Debt
Net Cash / Net Debt−$618.0MNet Debt Position
Cash vs Debt Ratio
Cash 46%Debt 54%

Bread Financial Holdings, Inc. carries a net debt position of $618.0M. Total debt ($4.39B) exceeds cash on hand ($3.77B). Bread Financial Holdings, Inc. cash vs debt ratio: 46% cash / 54% debt.

Net Cash = Cash & ST Investments − Total Debt$3.77B − $4.39B = −$618.0M

Cash on hand history

YoY Increase
YoY Decrease
Latest Year
BFH annual cash on hand history · Cash & Short-Term Investments · Source: FMP /balance-sheet-statement

Annual cash on hand by year

DateCash & ST InvestmentsYoY Change
Dec 31, 2025Latest$3.77B-1.9%
Dec 31, 2024$3.85B+2.3%
Dec 31, 2023$3.76B-5.6%
Dec 31, 2022$3.99B+23.8%
Dec 31, 2021$3.22B+15.2%
BFH cash on hand annual historical data · Cash & Short-Term Investments per balance sheet (10-K/10-Q) · Reported in USD · Source: FMP /balance-sheet-statement

Financial Services Sector Cash Reserves Comparison

#CompanyCash & ST Inv.Cash/MCap
#1
JPMorgan Chase & Co.
JPMorgan Chase & Co.
JPM
$1.48T176.7%#2
Berkshire Hathaway Inc.
Berkshire Hathaway Inc.
BRK-B
$373.31B35.3%#3
Visa Inc.
Visa Inc.
V
$21.99B3.6%#4
Mastercard Incorporated
Mastercard Incorporated
MA
$10.90B2.5%
#5
Bread Financial Holdings, Inc.
Bread Financial Holdings, Inc.YOU
BFH
$3.77B101.8%
Financial Services sector cash reserves · Source: FMP /balance-sheet-statement + /profile · Sorted by Cash desccompanies with most cash on hand →

About cash on hand & methodology

Bread Financial Holdings, Inc. (BFH) cash on hand as of December 31, 2025 is $3.77B, comprising $3.60B in cash and cash equivalents (CCE) plus $171.0M in short-term investments — reported as Bread Financial Holdings, Inc. cash and short-term investments on the balance sheet (10-K filing). Also referred to as Bread Financial Holdings, Inc. cash reserves or cash position.

Bread Financial Holdings, Inc. annual cash on hand history shows decreased -1.9% in 2025: decreased -1.9% in 2025. Bread Financial Holdings, Inc. cash reserves in 2025 reflect the company's capital allocation strategy.

Bread Financial Holdings, Inc. carries total debt of $4.39B against cash of $3.77B, resulting in a net debt position of -$618.0M. For the full balance sheet, see the Financials → Balance Sheet tab.

Figures tie to SEC 10-K/10-Q balance sheet disclosures and FMP /balance-sheet-statement where noted.
Financial statementsFree cash flowNet incomeRevenueMarket capP/E ratioEarningsPrice history

Frequently asked questions

BFH cash on hand · 5 questions

As of December 31, 2025, Bread Financial Holdings, Inc. (BFH) has $3.77B in cash on hand — defined as cash and short-term investments on the balance sheet. This includes $3.60B in cash and cash equivalents (CCE) plus $171,000,000 in short-term investments. Latest quarter (March 31, 2026): $3.64B. Data sourced from the annual 10-K filing via FMP.

BFH cash on handBFH cash reservesBFH cash 2025how much cash does BFH have

▸ Source: FMP /balance-sheet-statement · US GAAP · Bread Financial Holdings, Inc. · Bread Financial Holdings, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: December 31, 2025