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, account origination, and funding services for approximately 130 private label and co-brand credit card programs, as well as through Bread partnerships to approximately 500 small-and medium-sized businesses merchants; and Comenity-branded general purpose cash-back credit. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs and Bread BNPL (installment loans, 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, 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, including installment and split-pay solutions. 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 founded in 1996 and is headquartered in Columbus, Ohio.

Bread Financial Holdings, Inc.

Bread Financial is a leading provider of simple, personalized payment, lending, and saving solutions. We create opportunities for our customers and partners through digitally enabled choices that offer ease, empowerment, and financial flexibility. 

Bread Financial

It was a pleasure to host friends from My Possibilities at our Plano office last week. The #HIPsters (Hugely Important People) performed holiday songs for associates and were a huge hit! 🎼 
 
Bread Financial is a long-time corporate partner of My Possibilities, a pioneering leader in vocational training and job placement for adults with intellectual and/or developmental disabilities throughout North Texas. 

#lifeatbreadfinancial #MPTX #happyholidays

At Bread Financial, we embrace and promote #diversity, #equity and #inclusion (DE&I) to create a sense of belonging, drive value for our stakeholders and accelerate responsible, sustainable growth. Over the past year, the DE&I office has sparked crucial conversations with associates, brand partners and clients, organized impactful events at work and in the community, and championed the core values that make our organization a great place to work and thrive. I look forward to 2024 with optimism and renewed energy and am eager to see the continued progress and innovation that will stem for our DE&I initiatives. 
 
Click the link below to learn more about DE&I at Bread Financial and the progress we’ve made in our four key strategy pillars. #lifeatbreadfinancial 

If you’re someone who emphasizes the importance of teamwork when finding solutions to business problems, this open role at Bread Financial may be for you. 🤝

We're #hiring a Senior Mobile Developer that is responsible for building pipelines, test strategies and cloud environments to be used in development processes. The ideal candidate will cultivate relationships across roles and organizations to maximize collaboration, partnership, and efficiency, and provide peer coaching and feedback. 

Apply now. ⬇️

#lifeatbreadfinancial #jobsintech #ITjobs #infotechjobs #engineerjobs

Say hello to Michelle, your average American shopper in 2023. 👋

As inflation continues her spending habits have been impacted, and while she’s still shopping regularly, she now seeks out better deals and is more careful with each dollar she spends.

Learn more about the average American shopper by downloading our free State of the American Shopper eBook at the link below. ⬇️

msh id	COM:BREADFINANCIAL
symbol	BFH
name	Bread Financial Holdings, Inc.
homepage url	https://www.breadfinancial.com
country	US
sector	Financial Services
industry	Financial - Credit Services
market	STOCKS
employee count	7K
crunchbase url	-
linkedin url	-
founders	-

market cap	2.29B
enterprise value	-
stage	-
raised capital	-
valuation	-

monthly webtraffic	-
monthly webtraffic growth	-
growth score 14	-
growth score 28	-
growth score 90	-
growth score 365	-

revenue ltm	-
gross profit ltm	-
ebitda ltm	-
net income ltm	-
revenue ntm	-
gross profit ntm	-
ebitda ntm	-
net income ntm	-

growth cost and expenses	-0.11
growth cost of revenue	-
growth depreciation and amortization	0.03
growth ebitda	1.12
growth ebitda ratio	0.91
growth eps	-
growth eps diluted	-
growth general and administrative expenses	0.11
growth gross profit	0.11
growth gross profit ratio	-

COM:BREADFINANCIAL

Bread Financial Holdings, Inc.

Last Close

57.18

21/11 21:00

Market Cap

2.29B

Beta: -

Volume Today

814.85K

Avg: -

Company Information

Market Metrics

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Financial Metrics (2022-2026)

cost and expenses	161M
cost of revenue	161M
depreciation and amortization	116M
ebitda	1.94B
ebitda ratio	0.45
eps	14.79
eps diluted	14.74
operating expenses	161M
operating income	737M
operating income ratio	0.17

accounts receivables	-
capital expenditure	-48M
cash at beginning of period	3.93B
cash at end of period	3.62B
inventory	-974M
working capital ttm	3.62B

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