Bread Financial Holdings, Inc.
BFHIV
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- Bread Financial Holdings, Inc. (NYSE: BFH; OTC: BFHIV) is a tech-forward financial services company that provides private label and co-brand credit card programs, direct-to-consumer credit cards, pay-over-time products, and savings solutions to retailers, brands, and consumers primarily in North America. The company offers credit card programs such as AAA Visa Signature, NFL Extra Points Visa, Victoria's Secret Mastercard, and Ulta Beauty Rewards Mastercard; Bread Pay payment technology for flexible financing; Bread Savings high-yield accounts and certificates of deposit; and supporting services including risk management, account origination, fraud prevention, data analytics, and digital capabilities. Founded in 1995 and headquartered in Columbus, Ohio, Bread Financial operates through banking subsidiaries Comenity Bank and Comenity Capital Bank, serving partners like Caesars, Academy Sports + Outdoors, Michaels, the NFL, Signet Jewelers, Ulta Beauty, and Victoria's Secret, as well as small- and medium-sized businesses. In recent developments, the company expanded its home furnishings portfolio in 2025 through new private label credit card partnerships with Bed Bath & Beyond, Furniture First, and Raymour & Flanigan; issued $300 million in add-on senior notes due 2029 in January 2024; initiated a $200 million share repurchase program in 2025, completing $190 million year-to-date; and raised its quarterly dividend by 10%. Previously known as Alliance Data Systems until its rebranding in March 2022 following the spin-off of its LoyaltyOne segment in November 2021, Bread Financial continues to invest in technology modernization, AI solutions, and product innovation to drive growth and operating leverage.