Bread Financial Holdings Overview

  • Year Founded
  • 1996

Year Founded

  • Status
  • Public

  • Employees
  • 7,000

Employees

  • Stock Symbol
  • BFH

Stock Symbol

  • Investments
  • 30

  • Share Price
  • $33.54
  • (As of Tuesday Closing)

Bread Financial Holdings General Information

Description

Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Financial is a provider of private label and co-branded credit cards, loyalty programs, and marketing services. The company's most financially significant unit is its credit card business that partners with retailers to jointly market Bread's credit cards to their customers. The company also retains minority interest in its recently spun-off LoyaltyOne division, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.

Contact Information

Formerly Known As
Alliance Data Systems, Alliance Data Systems Corp
Ownership Status
Publicly Held
Financing Status
Formerly PE-Backed
Primary Industry
Media and Information Services (B2B)
Other Industries
Other Financial Services
Stock Exchange
NYS
Corporate Office
  • 3075 Loyalty Circle
  • Columbus, OH 43219
  • United States
+1 (614) 000-0000

Bread Financial Holdings Timeline

2021202220232024
Financing RoundCaptured Employee CountEstimated Employee Growth

Want detailed data on 3M+ companies?

What you see here scratches the surface

Request a free trial

Want to dig into this profile?

We’ll help you find what you need

Learn more

Bread Financial Holdings Stock Performance

(As of Tuesday Closing)

Stock Price Previous Close 52 wk Range Market Cap Shares Average Volume EPS
$33.54 $33.79 $23.19 - $41.89 $1.66B 49.6M 793K $14.39

Bread Financial Holdings Financials Summary

In Thousands,
USD
TTM 31-Dec-2023 FY 2023 31-Dec-2023 FY 2022 31-Dec-2022 FY 2021 31-Dec-2021
EV 7,736,395
Revenue 4,295,000 4,295,000 3,870,000 3,270,000
Net Income 718,000 718,000 223,000 801,000
Total Assets 23,141,000 23,141,000 25,407,000 21,746,000
Total Debt 19,060,000 19,060,000 21,959,000 18,606,000
Public Fundamental Data provided by Morningstar, Inc. disclaimer

Bread Financial Holdings Valuation & Funding

Deal Type Date Amount Valuation/
EBITDA
Post-Val Status Debt

This information is available in the PitchBook Platform. To explore Bread Financial Holdings‘s full profile, request access.

Request a free trial

Bread Financial Holdings Comparisons

Description
Primary
Industry
HQ Location
Employees
Total Raised
Post Valuation
Last
Financing
Details
Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Fin
Media and Information Services (B2B)
Columbus, OH
7,000 As of 2023
000.00
000000000 00 000.00

000000

smod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
00000 000000000 0000
Stamford, CT
00000 As of 0000
000.00
000000000 000.00

000000

aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugi
00000000 00000
Salt Lake City, UT
00000 As of 0000
000
000.00 0000-00-00
000000&0 000
Add Comparison

PitchBook’s comparison feature gives you a side-by-side look at key metrics for similar companies. Personalize which data points you want to see and create visualizations instantly.

Request a free trial

Bread Financial Holdings Competitors (5)

Company Name Financing Status Location Employees Total Raised Last Financing Date/Type Last Financing Amount
Synchrony Financial Corporation Stamford, CT 00000 000.00 000000000 000.00
Discover Corporation Salt Lake City, UT 00000 000 000000&0 000
American Express Private Debt Financed Salt Lake City, UT 00000 0000 000000000 0000
Snipp Interactive Corporation Carlsbad, CA 000 000.00 000000000 000.00
Maritz Corporation Fenton, MO 0000 00000 000000000 00000
You’re viewing 5 of 5 competitors. Get the full list »

Bread Financial Holdings Executive Team (34)

Name Title Board Seat Contact Info
Ralph Andretta President, Chief Executive Officer & Board Member
Perry Beberman Chief Financial Officer & Executive Vice President
Tammy McConnaughey Chief Operating Officer, Operations & Executive Vice President
Allegra Driscoll Chief Technology Officer, Technology & Executive Vice President
Joseph Motes Chief Administrative Officer, General Counsel, Secretary & Executive Vice President
You’re viewing 5 of 34 executive team members. Get the full list »

Bread Financial Holdings Board Members (20)

Name Representing Role Since
0000 0000000 Bread Financial Holdings Board Member 000 0000
0000 00000000 Bread Financial Holdings Board Member 000 0000
00000 00000 Bread Financial Holdings Board Member 000 0000
000000 000000 Bread Financial Holdings Board Member and Chairman of Nomination and Corporate Governance Committee 000 0000
000000 000000000 Bread Financial Holdings Board Member 000 0000
You’re viewing 5 of 20 board members. Get the full list »

Bread Financial Holdings Signals

Growth Rate

0.80% Weekly
Growth
Weekly Growth 0.80%, 93rd %
-35.5%. 530%

Size Multiple

219x Median
Size Multiple 219x, 100th %ile
0.00x 0.95x. 413Kx

Key Data Points

Twitter Followers

5.5k

Similarweb Unique Visitors

15.0K

Majestic Referring Domains

314

PitchBook’s non-financial metrics help you gauge a company’s traction and growth using web presence and social reach.

Request a free trial

Bread Financial Holdings Investors

Investor Name Investor Type Holding Investor Since Participating Rounds Contact Info

This information is available in the PitchBook Platform. To explore Bread Financial Holdings‘s full profile, request access.

Request a free trial

Bread Financial Holdings Investments & Acquisitions (30)

Company Name Deal Date Deal Type Deal Size Industry Lead Partner
Dell (Consumer credit portfolio) 26-Oct-2023 000000000 Other Commercial Services 0000000 0
Bank of America (AAA Cobrand Credit Card Portfolio) 01-Oct-2022 0000000000 Other Financial Services
Bread 03-Dec-2020 0000000000 00000 Financial Software 00000 000
Blispay 07-Feb-2019 0000000000 00.00 Other Financial Services
Signet Jewelers (prime-only credit quality accounts) 20-Oct-2017 Corporate Asset Purchase 00000 Buildings and Property 000000 00
You’re viewing 5 of 30 investments and acquisitions. Get the full list »

Bread Financial Holdings Subsidiaries (2)

Company Name Industry Location Founded
Exolink Business/Productivity Software Lewisville, TX 1997
Comenity Bank Other Commercial Banks Columbus, OH 0000
To view Bread Financial Holdings’s complete subsidiaries history, request access »

Bread Financial Holdings ESG

Risk Overview

Risk Rating

Updated January, 10, 2023

18.03 | Low Risk

Risk Scale

A lower score indicates better sustainability

Negl

0-10

Low

10-20

Med

20-30

High

30-40

Severe

40+

Exposure

Exposure refers to the extent to which a company is exposed to different material ESG issues

00.00

Management

Management is related to actions taken to manage ESG issues

00.00

Peers Analysis

Peer performance insights compare the company’s ESG performance to the performance of selected peers to help inform future ESG decisions and drive internal performance improvements.

Global

Covered Companies

00 of 16,173

Rank

00.00

Percentile

Diversified Financials

Industry

00 of 951

Rank

00.00

Percentile

Consumer Finance

Subindustry

00 of 235

Rank

00.00

Percentile

To view Bread Financial Holdings’s complete esg history, request access »

Bread Financial Holdings Exits (4)

Company Name Exit Date Exit Type Exit Size Status Buyers
Epsilon Data Management 29-Oct-2004 000000000000000000 00000 Completed
  • 00000 000000000 00
Conservation Billing Services 23-Sep-2003 000000000000000000 000.00 Completed
  • 00000 000000000 00
Air Miles International Trading 01-Jan-1998 000000000000000000 Completed
  • 00000 000000000 00
Financial Automation 18-Nov-1997 Merger/Acquisition Completed
To view Bread Financial Holdings’s complete exits history, request access »

Bread Financial Holdings FAQs

  • When was Bread Financial Holdings founded?

    Bread Financial Holdings was founded in 1996.

  • Who is the CEO of Bread Financial Holdings?

    Ralph Andretta is the CEO of Bread Financial Holdings.

  • Where is Bread Financial Holdings headquartered?

    Bread Financial Holdings is headquartered in Columbus, OH.

  • What is the size of Bread Financial Holdings?

    Bread Financial Holdings has 7,000 total employees.

  • What industry is Bread Financial Holdings in?

    Bread Financial Holdings’s primary industry is Media and Information Services (B2B).

  • Is Bread Financial Holdings a private or public company?

    Bread Financial Holdings is a Public company.

  • What is Bread Financial Holdings’s stock symbol?

    The ticker symbol for Bread Financial Holdings is BFH.

  • What is the current stock price of Bread Financial Holdings?

    As of 16-Apr-2024 the stock price of Bread Financial Holdings is $33.54.

  • What is the current market cap of Bread Financial Holdings?

    The current market capitalization of Bread Financial Holdings is $1.66B.

  • What is Bread Financial Holdings’s current revenue?

    The trailing twelve month revenue for Bread Financial Holdings is $4.29B.

  • Who are Bread Financial Holdings’s competitors?

    Synchrony Financial, Discover, American Express, Snipp Interactive, and Maritz are competitors of Bread Financial Holdings.

  • What is Bread Financial Holdings’s annual earnings per share (EPS)?

    Bread Financial Holdings’s EPS for 12 months was $14.39.

Data Transparency

  • Meet our data hygiene team

    Discover how our experts ensure you’re getting the most accurate financial data in the industry.

    Read blog »
  • How PitchBook sources data

    Our data operations team has logged over 3.5 million hours researching, organizing, and integrating the information you need most.

    Discover our process »