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BFH • CIK 0001101215
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $4,961,000 | $4,820,000 | $4,739,000 | $4,825,000 |
| Interest and Dividend Income, Operating | $5,145,000 | $5,024,000 | $4,912,000 | $4,982,000 |
| Interest Income (Expense), Net | $4,266,000 | $4,064,000 | $4,058,000 | $4,184,000 |
| Revenues, Net of Interest Expense | $4,289,000 | $3,838,000 | $3,845,000 | $3,956,000 |
| Provision for Loan, Lease, and Other Losses | $1,229,000 | $1,397,000 | $1,242,000 | $1,288,000 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $968,000 | $381,000 | $615,000 | $683,000 |
| Income Tax Expense (Benefit) | $231,000 | $102,000 | $94,000 | $114,000 |
| Income (Loss) from Continuing Operations, Net of Tax, Attributable to Parent | $737,000 | $279,000 | $521,000 | $569,000 |
| Income (Loss) from Discontinued Operations, Net of Tax, Attributable to Parent | $-19,000 | $-2,000 | $-3,000 | $1,000 |
| Net Income (Loss) Attributable to Parent | $718,000 | $277,000 | $518,000 | $570,000 |
| Interest Expense, Deposits | $541,000 | $608,000 | $554,000 | $549,000 |
| Interest Expense, Borrowings | $338,000 | $352,000 | $300,000 | $249,000 |
| InterestExpenseOperating | — | $960,000 | $854,000 | $798,000 |
| Gains (Losses) on Sales of Credit Card Portfolio | $230,000 | $11,000 | $3,000 | $3,000 |
| Noninterest Income, Other Operating Income | $128,000 | $144,000 | $200,000 | $226,000 |
| Information Technology and Data Processing | $301,000 | $300,000 | $308,000 | $306,000 |
| Marketing Expense | $161,000 | $147,000 | $150,000 | $153,000 |
| Depreciation, Depletion and Amortization, Nonproduction | $116,000 | $90,000 | $80,000 | $75,000 |
| Other Noninterest Expense | $219,000 | $300,000 | $248,000 | $232,000 |
| Noninterest Expense | $2,092,000 | $2,060,000 | $1,988,000 | $1,985,000 |
| Weighted Average Number of Shares Outstanding, Basic | 49,800,000 | 49,600,000 | 46,800,000 | 40,300,000 |
| Weighted Average Number of Shares Outstanding, Diluted | 50,000,000 | 50,400,000 | 47,600,000 | 41,100,000 |
| Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | 1,200,000 | 600,000 | 400,000 | -400,000 |
| Incremental Common Shares Attributable to Dilutive Effect of Share-based Payment Arrangements | 200,000 | 700,000 | 800,000 | 800,000 |
| Incremental Common Shares Attributable to Dilutive Effect of Conversion of Debt Securities | — | 100,000 | 0 | 0 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | $3,590,000 | $3,679,000 | $3,604,000 | $3,683,000 |
| Investments | $253,000 | $266,000 | $284,000 | $288,000 |
| Property, Plant and Equipment, Net | $167,000 | $142,000 | $117,000 | $104,000 |
| Intangible Assets, Net (Including Goodwill) | $762,000 | $746,000 | $716,000 | $701,000 |
| Other Assets | $1,364,000 | $1,403,000 | $1,243,000 | $1,274,000 |
| Assets | $23,141,000 | $22,891,000 | $22,663,000 | $22,452,000 |
| Deposits | $13,620,000 | $13,082,000 | $13,916,000 | $14,732,000 |
| Financing Receivable, Allowance for Credit Loss | $2,328,000 | $2,241,000 | $2,106,000 | $2,075,000 |
| Other Liabilities | $1,311,000 | $1,201,000 | $1,112,000 | $1,070,000 |
| Liabilities | $20,223,000 | $19,840,000 | $19,336,000 | $19,087,000 |
| Preferred Stock, Value, Issued | — | — | $0 | $0 |
| Common Stock, Value, Issued | $1,000 | $1,000 | $0 | $0 |
| Additional Paid in Capital, Common Stock | — | $2,073,000 | $1,868,000 | $1,603,000 |
| Retained Earnings (Accumulated Deficit) | $767,000 | $999,000 | $1,475,000 | $1,779,000 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-19,000 | $-22,000 | $-16,000 | $-17,000 |
| Stockholders' Equity Attributable to Parent | $2,918,000 | $3,051,000 | $3,327,000 | $3,365,000 |
| Debt Securities, Trading, and Equity Securities, FV-NI | $217,000 | $217,000 | $221,000 | $218,000 |
| Preferred Stock, Shares Authorized | — | — | 75,000 | 210,000 |
| Common Stock, Shares Authorized | 200,000,000 | 200,000,000 | 200,000,000 | 200,000,000 |
| Common Stock, Shares, Outstanding | — | — | 44,100,000 | 38,700,000 |
| Common Stock, Shares, Issued | 49,300,000 | 49,100,000 | 44,100,000 | 38,700,000 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $718,000 | $277,000 | $518,000 | $570,000 |
| Other Operating Activities, Cash Flow Statement | $32,000 | $-26,000 | $-17,000 | $-18,000 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $-311,000 | $98,000 | $-86,000 | $-59,000 |
| Net Cash Provided by (Used in) Operating Activities | $1,987,000 | $1,859,000 | $2,092,000 | $2,193,000 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $3,616,000 | $3,714,000 | $3,628,000 | $3,349,000 |
| Provision for Loan, Lease, and Other Losses | $1,229,000 | $1,397,000 | $1,242,000 | $1,288,000 |
| Payments for (Proceeds from) Loans Receivable | $1,154,000 | $840,000 | $1,345,000 | $2,175,000 |
| Depreciation, Depletion and Amortization | $116,000 | $90,000 | $80,000 | $75,000 |
| Proceeds from Sale of Finance Receivables | $2,499,000 | $101,000 | $0 | $0 |
| Deferred Income Tax Expense (Benefit) | $-68,000 | $-85,000 | $90,000 | $81,000 |
| Payments to Acquire Finance Receivables | $473,000 | $377,000 | $0 | $0 |
| Share-based Payment Arrangement, Noncash Expense | $44,000 | $54,000 | $56,000 | $59,000 |
| Amortization of Debt Issuance Costs | $26,000 | $21,000 | $16,000 | $16,000 |
| Payments for (Proceeds from) Other Investing Activities | $48,000 | $36,000 | $24,000 | $23,000 |
| Gains (Losses) on Sales of Credit Card Portfolio | $230,000 | $11,000 | $3,000 | $3,000 |
| Net Cash Provided by (Used in) Investing Activities | $788,000 | $-1,169,000 | $-1,371,000 | $-2,196,000 |
| Gain (Loss) on Extinguishment of Debt | — | — | $-74,000 | $-74,000 |
| Increase (Decrease) in Other Operating Assets | $-28,000 | $-42,000 | $-57,000 | $-19,000 |
| Increase (Decrease) in Other Operating Liabilities | $0 | $-109,000 | $-96,000 | $-24,000 |
| Proceeds from Issuance of Secured Debt | $2,592,000 | $2,390,000 | $925,000 | $1,075,000 |
| Repayments of Secured Debt | $4,807,000 | $1,727,000 | $2,063,000 | $1,719,000 |
| Increase (Decrease) in Deposits | $-209,000 | $-541,000 | $835,000 | $1,392,000 |
| Payments of Debt Issuance Costs | $63,000 | $15,000 | $24,000 | $15,000 |
| Proceeds from Issuance of Preferred Stock and Preference Stock | — | — | $71,000 | $201,000 |
| Payments for Repurchase of Common Stock | $35,000 | $55,000 | $313,000 | $559,000 |
| Repayments of Convertible Debt | $39,000 | $0 | $0 | $0 |
| Proceeds from (Payments for) Other Financing Activities | $-2,000 | $-7,000 | $-17,000 | $-28,000 |
| Net Cash Provided by (Used in) Financing Activities | $-3,086,000 | $-592,000 | $-807,000 | $-56,000 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $861,000 | $922,000 | $868,000 | $868,000 |
| Income Taxes Paid, Net | $292,000 | $227,000 | $53,000 | $53,000 |
| Cash and Cash Equivalents, at Carrying Value | $3,590,000 | $3,679,000 | $3,604,000 | $3,029,000 |
| Restricted Cash, Current | — | $35,000 | $24,000 | $320,000 |