Financial Statements — BFH
Balance Sheet
(in billions USD)| Metric | Q2
2026 | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 3.68 | 3.64 | 3.76 | 3.80 | 4.21 | 3.45 | 4.05 | 3.79 | 3.38 | 3.33 | 3.61 | 3.58 | 3.11 | 2.93 | 3.17 | 3.00 | 2.86 |
| Total Current Assets | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 19.39 | 18.91 | 18.30 |
| Total Assets | 22.45 | 22.31 | 21.71 | 21.82 | 22.38 | 21.74 | 22.14 | 22.30 | 21.61 | 21.61 | 21.97 | 21.96 | 21.81 | 20.94 | 22.26 | 21.81 | 21.16 |
| Total Deposits | 14.73 | 14.07 | 13.54 | 13.34 | 13.10 | 12.85 | 12.99 | 13.33 | 13.27 | 13.05 | 13.14 | 12.44 | 11.03 | 10.65 | -- | -- | -- |
| Total Current Liabilities | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 12.93 | 10.57 | 10.74 |
| Long-term Debt | -- | -- | 3.79 | 4.23 | 5.12 | 4.58 | -- | -- | 4.22 | 4.70 | -- | -- | -- | -- | -- | -- | -- |
| Total Liabilities | 19.09 | 18.98 | 18.40 | 18.66 | 19.31 | 18.62 | 18.97 | 19.27 | 18.74 | 18.87 | 19.25 | 19.56 | 19.54 | 18.67 | 20.01 | 19.76 | 19.40 |
| Retained Earnings | 1.78 | 1.64 | 1.43 | 1.25 | 1.13 | 1.00 | 1.01 | 0.89 | 0.74 | 0.57 | 0.54 | 0.24 | 0.11 | 0.11 | 0.13 | 5.37 | 5.11 |
| Total Stockholder Equity | 3.37 | 3.33 | 3.32 | 3.17 | 3.07 | 3.11 | 3.17 | 3.03 | 2.86 | 2.74 | 2.72 | 2.40 | 2.28 | 2.27 | 2.25 | 2.05 | 1.76 |
Income Statement
(in billions USD) (except per-share rows)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Interest & Dividend Income | 1.23 | 1.26 | 1.25 | 1.24 | 1.19 | 1.23 | 1.22 | 1.28 | 1.23 | 1.30 | 1.31 | 1.30 | 1.20 | 1.34 | 1.33 | 1.22 | 1.07 | 1.07 | 3.86 | 0.00 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | -- | -- | 0.25 | 0.24 | 0.22 | 0.21 | 0.22 | 0.20 | 0.13 | 0.10 | 0.08 | 0.08 | 0.09 |
| Net Interest Income | 1.04 | 1.07 | 1.05 | 1.03 | 0.97 | 1.01 | 0.99 | 1.04 | 0.99 | 1.05 | 1.08 | 1.08 | 0.99 | 1.12 | 1.13 | 1.09 | 0.98 | 0.99 | 3.18 | 0.09 |
| Provision for Credit Losses | 0.31 | 0.30 | 0.37 | 0.30 | 0.27 | 0.30 | 0.42 | 0.37 | 0.29 | 0.32 | 0.48 | 0.30 | 0.34 | 0.11 | 0.69 | 0.30 | 0.40 | 0.19 | 0.36 | 0.16 |
| Non-interest Income | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | (0.10) | (0.11) | (0.08) | (0.07) | (0.08) | -- |
| Non-interest Expense | 0.48 | 0.47 | 0.55 | 0.48 | 0.48 | 0.48 | 0.54 | 0.57 | 0.47 | 0.48 | 0.52 | 0.50 | 0.53 | 0.54 | 0.55 | 0.49 | 0.47 | 0.43 | 0.43 | -- |
| Pretax Income | 0.20 | 0.24 | 0.05 | 0.20 | 0.17 | 0.20 | (0.03) | 0.04 | 0.18 | 0.19 | 0.02 | 0.23 | 0.09 | 0.64 | (0.21) | 0.19 | 0.02 | 0.30 | (0.01) | 0.29 |
| Tax Provision | 0.05 | 0.06 | -0.00 | 0.01 | 0.04 | 0.06 | (0.04) | 0.04 | 0.05 | 0.05 | (0.03) | 0.05 | 0.02 | 0.18 | (0.07) | 0.06 | 0.00 | 0.09 | (0.03) | 0.07 |
| Net Income | 0.15 | 0.18 | 0.05 | 0.19 | 0.14 | 0.14 | 0.01 | 0.00 | 0.13 | 0.13 | 0.04 | 0.17 | 0.05 | 0.46 | (0.13) | 0.13 | 0.01 | 0.21 | 0.02 | 0.22 |
| Basic EPS | 3.62 | 4.19 | 1.25 | 4.04 | 2.97 | 2.81 | 0.13 | 0.05 | 2.69 | 2.71 | 0.90 | 3.44 | 0.95 | 9.10 | (2.69) | 2.69 | 0.25 | 4.22 | 0.33 | 4.50 |
| Diluted EPS | 3.55 | 4.15 | 1.21 | 3.96 | 2.94 | 2.78 | 0.08 | 0.05 | 2.66 | 2.70 | 0.89 | 3.42 | 0.95 | 9.08 | (2.68) | 2.69 | 0.25 | 4.20 | 0.34 | 4.47 |
Cash Flow Statement
(in billions USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Operating Cash Flow | 0.53 | 0.49 | 0.57 | 0.61 | 0.53 | 0.39 | 0.48 | 0.46 | 0.48 | 0.45 | 0.62 | 0.63 | 0.34 | 0.40 | 0.50 | 0.61 | 0.25 | 0.50 | 0.34 | 0.47 |
| Capital Expenditures | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 0.02 | 0.01 | 0.02 | 0.02 | 0.03 | 0.02 |
| Free Cash Flow* | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 0.48 | 0.60 | 0.22 | 0.48 | 0.31 | 0.45 |
| Investing Cash Flow | (0.67) | 0.32 | (1.50) | (0.34) | (0.22) | 0.69 | (1.35) | (0.57) | 0.03 | 0.72 | (1.79) | (0.28) | (0.28) | 3.14 | (3.62) | (0.59) | (1.21) | 0.31 | (2.07) | (0.15) |
| Financing Cash Flow | (0.06) | (0.47) | 0.78 | (0.31) | (0.72) | (0.56) | 1.12 | (0.49) | (0.24) | (0.97) | 1.40 | (0.30) | (0.34) | (3.83) | 3.45 | (0.11) | 1.02 | (1.10) | 1.77 | 0.21 |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Dividends Per Share | 0.23 | 0.23 | 0.23 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 |
