$BFH
BREAD FINANCIAL HOLDINGS, INC.

2021 Q4 Form 10-K Financial Statement

#000110121522000038 Filed on February 25, 2022

View on sec.gov

Income Statement

Concept 2021 Q4 2021 2020 Q4
Revenue $3.655B $3.272B $1.110B
YoY Change 229.34% -27.63% -24.04%
Cost Of Revenue $323.0M $323.0M $396.0M
YoY Change -18.43% -84.45% -127.28%
Gross Profit $3.332B $3.332B $3.401B
YoY Change -2.03% 36.33% 68.42%
Gross Profit Margin 91.16% 101.83% 306.45%
Selling, General & Admin $831.0M $831.0M $752.0M
YoY Change 10.51% 234.14% -9.73%
% of Gross Profit 24.94% 24.94% 22.11%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $25.80M $123.0M $183.8M
YoY Change -85.96% -33.15% 328.44%
% of Gross Profit 0.77% 3.69% 5.4%
Operating Expenses $1.905B $1.905B $2.601B
YoY Change -26.76% 665.98% 51.3%
Operating Profit $1.427B $1.427B $258.7M
YoY Change 451.6% 374.09% -16.28%
Interest Expense -$383.0M $383.0M $112.5M
YoY Change -440.44% -23.25% -20.55%
% of Operating Profit -26.84% 26.84% 43.49%
Other Income/Expense, Net $381.4M
YoY Change -10.76%
Pretax Income $1.044B $1.044B $146.2M
YoY Change 614.09% 246.84% -12.66%
Income Tax $255.0M $247.0M $52.90M
% Of Pretax Income 24.43% 23.66% 36.18%
Net Earnings $801.0M $801.0M $12.00M
YoY Change 6575.0% 274.3% -87.69%
Net Earnings / Revenue 21.92% 24.48% 1.08%
Basic Earnings Per Share $16.09 $0.25
Diluted Earnings Per Share $16.02M $16.02 $0.25
COMMON SHARES
Basic Shares Outstanding 49.79M 49.70M 47.72M
Diluted Shares Outstanding 50.00M

Balance Sheet

Concept 2021 Q4 2021 2020 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments $3.285B $3.046B $3.082B
YoY Change 6.6% -1.15% -20.46%
Cash & Equivalents $3.046B $3.046B $2.796B
Short-Term Investments $239.0M
Other Short-Term Assets $534.9M
YoY Change 99.29%
Inventory $164.3M
Prepaid Expenses
Receivables $15.57B $15.57B $383.8M
Other Receivables $0.00 $0.00 $0.00
Total Short-Term Assets $18.61B $18.61B $19.63B
YoY Change -5.2% 1.12% -18.57%
LONG-TERM ASSETS
Property, Plant & Equipment $215.0M $312.0M $213.0M
YoY Change 0.94% -42.66% -24.55%
Goodwill $634.0M $1.370B
YoY Change -53.71% 43.43%
Intangibles $53.00M $77.00M
YoY Change -31.17% -49.77%
Long-Term Investments $50.00M $289.0M
YoY Change
Other Assets $1.543B $558.1M
YoY Change 329.57% -18.18%
Total Long-Term Assets $3.133B $3.133B $2.913B
YoY Change 7.56% -24.34% 22.27%
TOTAL ASSETS
Total Short-Term Assets $18.61B $18.61B $19.63B
Total Long-Term Assets $3.133B $3.133B $2.913B
Total Assets $21.75B $21.75B $22.55B
YoY Change -3.55% -3.55% -14.9%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $291.0M $328.2M
YoY Change -11.33% 9.11%
Accrued Expenses $454.0M $444.7M
YoY Change 10.54% 35.66%
Deferred Revenue $898.5M
YoY Change 11.21%
Short-Term Debt $11.03B $11.03B $0.00
YoY Change
Long-Term Debt Due $8.506B
YoY Change -15.57%
Total Short-Term Liabilities $11.03B $11.77B $10.42B
YoY Change 5.81% 15.4% -12.21%
LONG-TERM LIABILITIES
Long-Term Debt $7.439B $7.439B $9.802B
YoY Change -24.11% -24.11% -19.73%
Other Long-Term Liabilities $1.194B $449.0M $419.5M
YoY Change 184.62% -56.08% 24.22%
Total Long-Term Liabilities $8.633B $7.888B $419.5M
YoY Change 1957.93% -27.13% 24.22%
TOTAL LIABILITIES
Total Short-Term Liabilities $11.03B $11.77B $10.42B
Total Long-Term Liabilities $8.633B $7.888B $419.5M
Total Liabilities $19.66B $19.66B $21.03B
YoY Change -6.49% -6.49% -15.58%
SHAREHOLDERS EQUITY
Retained Earnings -$87.00M $4.832B
YoY Change -101.8% -6.42%
Common Stock $2.175B $3.428B
YoY Change -36.55% 5.19%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $2.086B $2.086B $1.521B
YoY Change
Total Liabilities & Shareholders Equity $21.75B $21.75B $22.55B
YoY Change -3.55% -3.55% -14.9%

Cashflow Statement

Concept 2021 Q4 2021 2020 Q4
OPERATING ACTIVITIES
Net Income $801.0M $801.0M $12.00M
YoY Change 6575.0% 274.3% -87.69%
Depreciation, Depletion And Amortization $25.80M $123.0M $183.8M
YoY Change -85.96% -33.15% 328.44%
Cash From Operating Activities $335.0M $1.543B $1.883B
YoY Change -82.21% -18.06% -702.46%
INVESTING ACTIVITIES
Capital Expenditures -$25.20M -$84.00M -$54.00M
YoY Change -53.33% 55.56% -333.77%
Acquisitions $75.00M
YoY Change -71.91%
Other Investing Activities -$2.047B -$4.000M $1.828B
YoY Change -211.93% -500.0% -338.49%
Cash From Investing Activities -$2.072B -$1.691B $1.774B
YoY Change -216.76% -195.32% -324.68%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net $4.000M
YoY Change 33.33%
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 1.765B 608.0M -4.167B
YoY Change -142.36% -114.59% -94793.18%
NET CHANGE
Cash From Operating Activities 335.0M 1.543B 1.883B
Cash From Investing Activities -2.072B -1.691B 1.774B
Cash From Financing Activities 1.765B 608.0M -4.167B
Net Change In Cash 28.40M 460.0M -509.5M
YoY Change -105.57% -192.93% -53.59%
FREE CASH FLOW
Cash From Operating Activities $335.0M $1.543B $1.883B
Capital Expenditures -$25.20M -$84.00M -$54.00M
Free Cash Flow $360.2M $1.627B $1.937B
YoY Change -81.4% -16.0% -677.09%

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<p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><span style="font-style:italic;font-weight:bold;">Amounts Based on Estimates and Judgments</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><span style="visibility:hidden;">​</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">The preparation of financial statements in conformity with GAAP requires management to make estimates and judgments about future events that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the Consolidated Financial Statements, as well as the reported amounts of income and expenses during the reporting periods. The most significant of those estimates and judgments relate to the Company’s Allowance for credit losses; actual results could differ.</p>
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<p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><span style="font-style:italic;font-weight:bold;">Derivative Financial Instruments</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><span style="visibility:hidden;">​</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">From time to time, the Company uses derivative financial instruments to manage its exposure to various financial risks; the Company does not trade or speculate in derivative financial instruments. Subject to the criteria set forth in GAAP, the Company will either designate its derivative financial instruments in hedging relationships, or as economic hedges should the criteria in GAAP not be met. For those derivatives designated in hedging relationships, changes in their fair values, excluding any ineffective portions, are recorded in Accumulated other comprehensive income, net of income taxes, until the hedged transactions affect net income; the ineffective portions of the derivative financial instruments are recognized through net income. For those derivatives not designated in hedging relationships, or economic hedges, changes in their fair values are recognized in the Consolidated Statements of Income as they occur.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><span style="visibility:hidden;">​</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">The Company’s derivative financial instruments were immaterial to the Consolidated Financial Statements for the periods presented. With the spinoff of its LoyaltyOne segment in November 2021, the Company does not hold any derivative financial instruments as of December 31, 2021. </p>
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<p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">CONCENTRATIONS</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><span style="visibility:hidden;">​</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">We depend on a limited number of large partner relationships for a significant portion of our revenue. The business generated through our 10 largest partners represented approximately 59% and 65%, respectively, of our Total net interest and non-interest income during the years ended December 31, 2021 and 2020. Business generated through our relationship with Victoria’s Secret &amp; Co. and its retail affiliates represented approximately 13% and 14% of our Total net interest and non-interest income during these same respective periods. We previously announced the non-renewal of our contract with BJ’s Wholesale Club (BJ’s). For the year ended December 31, 2021, BJ’s branded co-brand accounts generated approximately 8% of our Total net interest and non-interest income. As of December 31, 2021, BJ’s branded co-brand accounts were responsible for approximately 11% of our Total credit card and other loans.</p>
CY2021 ads Concentration Risk Number Of Major Customers
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10
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P180D
CY2021 ads Period Account Is Past Due Before Algorithm Scores Risk Of Further Delinquency
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P30D
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0.017
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ReAgedAccountsAsPercentageOfTotalCreditCardAndLoanReceivables
0.028
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0.024
CY2021 ads Past Due Period For Credit Card Loans Charge Off
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CY2021 ads Period After Notification Of Creditors Death Or Bankruptcy When Account Is Charged Off
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ChargeOffOfUnpaidInterestAndFees
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0.03
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0.001
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112000000000
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108000000000
CY2021Q4 ads Credit Card Portfolio Carrying Value Of Portfolios Held For Sale
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1
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CY2021 ads Credit Card And Loan Portfolio Valuation Adjustment
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CY2021 ads Number Of Credit Card Portfolios Purchased
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4000000
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0
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219000000
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