Bread Financial Holdings, Inc.
0HCR.L
London Stock Exchange88.52
USD
-3.73
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Bread Financial Holdings, Inc.
0HCR.L
(London Stock Exchange)
Recent
price
88.87
P/E
ratio
- -
div
yld
- -
ROIC.AI
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in mil. unless spec.Quarterly Earnings Per Share
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in mil. unless spec.- Similar Companies
- Business
- Bread Financial Holdings, Inc. (NYSE: BFH; LSE: 0HCR) is a tech-forward financial services company providing private label and co-brand credit card programs, direct-to-consumer credit cards, buy-now-pay-later solutions, installment loans, and high-yield savings products to retailers, brand partners, and consumers primarily in North America. Founded in 1996 as part of the merger forming Alliance Data Systems and headquartered in Columbus, Ohio, the company offers partner-branded credit cards such as AAA Visa Signature, NFL Extra Points Visa, Victoria’s Secret Mastercard, and Ulta Beauty Rewards Mastercard; Bread Pay for pay-over-time financing; Bread Cashback general purpose cards; Bread Savings high-yield accounts and certificates of deposit; and supporting services including risk management, account origination, loan servicing, fraud prevention, data analytics, and digital platforms. It operates through subsidiaries Comenity Capital Bank and Comenity Bank, serving major partners like Caesars, Michaels, the NFL, Signet Jewelers, Ulta Beauty, Victoria’s Secret, Academy Sports + Outdoors, Bed Bath & Beyond, Furniture First, and Raymour & Flanagan, with a focus on both large consumer brands and small-to-medium businesses. Recent developments include new partnerships in the home furnishings vertical with Bed Bath & Beyond, Furniture First, and Raymour & Flanagan announced in Q3 2025 to expand loan growth; initiation of a $200 million share repurchase program with $60 million executed in September-October 2025; a 10% increase in its common share dividend; and the launch of a public offering of depositary shares representing Series A preferred stock in November 2025 to fund general corporate purposes, share repurchases, and subsidiary capital contributions.