Bread Financial Holdings Inc - Company Profile
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Bread Financial Holdings Inc (Bread Financial), formerly Alliance Data Systems Corp, is a tech-forward financial services company. The company offers personalized payment, lending, and saving solutions to US consumers. The company's main activities include offering general purpose credit cards, private label and co-brand credit card programs, and savings products. It provides marketing-driven branded credit card programs; omnichannel, data-driven technologies, and marketing services. The company serves an array of end-markets including travel and entertainment, health and beauty, sporting goods, technology and electronics, jewelry, and specialty apparel. It primarily operates in the US, targeting a wide range of consumer segments. Bread Financial is headquartered in Columbus, Ohio, the US.
Headquarters
United States of America
Address
3095 Loyalty Circle, Columbus, Ohio, 43219
Website
www.breadfinancial.com
Telephone
1 302 6587581
No of Employees
6,000
Industry
Business and Consumer Services
Ticker Symbol & Exchange
BFH (NYSE)
Revenue (2024)
$4.5B
-3.2%
(2024 vs 2023)
EPS
XYZ
Net Income (2024)
XYZ
87%
(2024 vs 2023)
Market Cap*
$3.5B
Net Profit Margin (2024)
XYZ
93.0%
(2024 vs 2023)
* As of and is in US$
Bread Financial Holdings Inc premium industry data and analytics
Products and Services
| Products | Services | Brands |
|---|---|---|
| Bread Cashback products | Short-Term Loyalty Programs | Bread Pay |
| Bread Pay products | Payment, Lending and Saving Solutions | Bread |
| Bread Savings products | Receivables Financing: | Bread Savings |
| XYZ | XYZ | XYZ |
| XYZ | XYZ | XYZ |
| XYZ | XYZ | XYZ |
History
History section provides information on new products, mergers, acquisitions, expansions, approvals, and many more key events.
| Year | Event | Description |
|---|---|---|
| 2025 | Contracts/Agreements | In October, the company partnered with Raymour & Flanigan to introduce a private label credit program. |
| 2025 | Contracts/Agreements | In October, the company partnered with Cricket Wireless to launch a simplified digital application that offers customers multiple flexible phone payment plan options with no hard credit check. |
| 2025 | Contracts/Agreements | In September, the company partnered with Furniture First to launch a private-label consumer financing program. |
Competitor Comparison
| Key Parameters | Bread Financial Holdings Inc | American Express Co | Visa Inc | PayPal Holdings Inc | Mastercard Inc |
|---|---|---|---|---|---|
| Headquarters | United States of America | United States of America | United States of America | United States of America | United States of America |
| City | Columbus | New York | San Francisco | San Jose | Purchase |
| State/Province | Ohio | New York | California | California | New York |
| No. of Employees | 6,000 | 76,800 | 34,100 | 23,800 | 39,800 |
| Entity Type | Public | Public | Public | Public | Public |
Key Financial Charts
Sales Growth
Net Income Growth
Executives
| Name | Position | Board | Since | Age |
|---|---|---|---|---|
| Roger H. Ballou | Chairman | Executive Board | 2020 | 74 |
| Ralph J. Andretta | Chief Executive Officer; Director; President | Executive Board | 2020 | 64 |
| Perry S. Beberman | Chief Financial Officer; Executive Vice President | Senior Management | 2021 | 59 |
| J. Bryan Campbell | Chief Accounting Officer; Senior Vice President | Senior Management | 2021 | 52 |
| Allegra S. Driscoll | Chief Technology Officer; Executive Vice President | Senior Management | 2024 | 45 |
| Non Dignissim Eros | Proin vel | Convallis | 2026 | XY |
| Non Dignissim Eros | Proin vel | Convallis | 2026 | XY |
| Non Dignissim Eros | Proin vel | Convallis | 2026 | XY |
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