Bread Financial Holdings, Inc.

Bread Financial is a tech-forward financial services company headquartered in Columbus, Ohio, offering a comprehensive suite of payment, lending, and saving solutions. The company's core mission is to simplify money management and provide accessible, smart financial tools for consumers and businesses.

The company's key offerings include proprietary and white-label credit cards, such as the Bread Cashback American Express Credit Card, alongside co-branded credit card programs for various retailers. Additionally, Bread Financial provides Bread Pay, a buy now, pay later and installment financing solution, and Bread Savings, which features high-yield savings accounts and certificates of deposit. They also offer personal loans and integrated credit and marketing services.

Ralph Andretta serves as the President and CEO, having been appointed in February 2020. The company, formerly known as Alliance Data Systems Corporation, rebranded to Bread Financial Holdings, Inc. in March 2022, with its stock ticker changing to BFH on the NYSE in April 2022. Bread Financial reported strong first-quarter 2026 earnings, with increased net income and diluted earnings per share, attributed to higher credit sales and improved credit metrics. Analysts have responded by raising price targets, citing resilient consumer trends and anticipated loan growth.