Company Description
Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America.
It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships.
The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services.
In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience.
Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products.
Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts.
The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands.
The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022.
Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.
| Country | United States |
| Founded | 1996 |
| Industry | Credit Services |
| Sector | Financials |
| Employees | 6,000 |
| CEO | Ralph Andretta |
Contact Details
Address: 3095 Loyalty Circle Columbus, Ohio 43219 United States | |
| Phone | 614 729 4000 |
| Website | breadfinancial.com |
Stock Details
| Ticker Symbol | BFH |
| Exchange | NYSE |
| Stock Type | Common Stock |
| Fiscal Year | January - December |
| Reporting Currency | USD |
| CIK Code | 0001101215 |
| CUSIP Number | 018581108 |
| ISIN Number | US0185811082 |
| Employer ID | 31-1429215 |
| SIC Code | 6141 |
Key Executives
| Name | Position |
|---|---|
| Ralph J. Andretta | President, Chief Executive Officer and Director |
| Perry S. Beberman | Executive Vice President and Chief Financial Officer |
| Allegra S. Driscoll | Executive Vice President and Chief Technology Officer |
| Joseph L. Motes III | Executive Vice President, Chief Legal and Administrative Officer and Secretary |
| Valerie E. Greer | Executive Vice President and Chief Commercial Officer |
| Tammy Michelle McConnaughey | Executive Vice President and Chief Credit Risk and Operations Officer |
| Jonathan Bryan Campbell | Senior Vice President and Chief Accounting Officer |
| Brian Vereb | Head of Investor Relations |
| Brandy Sullivan | Senior Vice President and Chief People and Culture Officer |
| Wes Hunt | Senior Vice President of Operational Excellence |
Latest SEC Filings
| Date | Type | Title |
|---|---|---|
| Apr 29, 2026 | SCHEDULE 13G | Filing |
| Apr 29, 2026 | SCHEDULE 13G | Filing |
| Apr 28, 2026 | 10-Q | Quarterly Report |
| Apr 24, 2026 | 144 | Filing |
| Apr 23, 2026 | 8-K | Current Report |
| Apr 23, 2026 | 8-K | Current Report |
| Apr 9, 2026 | SCHEDULE 13G/A | Filing |
| Apr 7, 2026 | ARS | Filing |
| Apr 7, 2026 | DEFA14A | Additional definitive proxy soliciting materials and Rule 14(a)(12) material |
| Apr 7, 2026 | DEF 14A | Other definitive proxy statements |