Bread Financial Holdings, Inc.
New York Stock ExchangeCapital Structure
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in mil. unless spec.Working Capital
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in mil. unless spec.Growth Rates
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in mil. unless spec.Quarterly Revenue
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in mil. unless spec.Quarterly Earnings Per Share
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in mil. unless spec.Quarterly Dividends Per Share
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in mil. unless spec.- CEO
- Ralph J. Andretta
- Full Time Employees
- 6,000
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Address
- 3095 Loyalty Circle Columbus OH United States of America 43219
- IPO Date
- Jun 15, 2001
- CIK
- 0001101215
- Website
- breadfinancial.com
- Similar Companies
- Business
- Bread Financial Holdings, Inc. (NYSE: BFH) is a tech-forward financial services company that provides private label and co-brand credit card programs, buy now pay later products including installment loans and split-pay offerings, direct-to-consumer credit cards such as Bread Cashback American Express Credit Card, and savings products through Bread Savings including high-yield savings accounts and certificates of deposit; it offers these solutions to large consumer brands like AAA, NFL, Victoria's Secret, Ulta Beauty, Caesars Entertainment, Academy Sports + Outdoors, Michaels, Signet Jewelers, and small- to medium-sized businesses primarily in North America. Founded in 1996 through the merger of J.C. Penney's credit card processing unit and The Limited's credit card bank operation and headquartered in Columbus, Ohio, the company operates through subsidiaries Comenity Bank and Comenity Capital Bank, which handle account origination, funding, processing, servicing, risk management, fraud prevention, marketing, data analytics, and digital capabilities. In recent developments, Bread Financial expanded its home furnishings portfolio in Q3 2025 by signing new brand partners including Bed Bath & Beyond, Furniture First—a national cooperative serving independent retailers—and Raymour & Flanagan, the largest furniture retailer in the Northeast U.S.; it completed a $300 million add-on senior notes offering due 2029 in January 2024 as joint bookrunner transaction upsized from $200 million; and in October 2024 adjusted its soft interest rate to 29.99% while adding fees ahead of anticipated Consumer Financial Protection Bureau changes capping late fees at $8 from $41.
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