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. ⬇️

	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23
revenue	4.32B -	5.30B 22.78%	6.44B 21.44%	7.14B 10.85%	7.72B 8.14%	5.67B 26.59%	5.58B 1.51%	4.52B 18.99%	3.27B 27.63%	3.87B 18.28%	4.29B 10.98%
cost of revenue	2.96B -	3.62B 22.17%	4.29B 18.39%	4.85B 13.11%	5.00B 3.14%	3.08B 38.42%	3.41B 10.65%	2.68B 21.44%	1.59B 40.49%
gross profit	1.36B -	1.68B 24.11%	2.15B 28.01%	2.29B 6.33%	2.72B 18.75%	2.59B 4.84%	2.17B 15.97%	1.84B 15.15%	1.68B 8.97%	3.87B 130.49%	4.29B 10.98%
selling and marketing expenses	1.29B -	1.44B 11.58%	2.01B 39.47%	2.02B 0.66%			205M -	143M 30.24%	160M 11.89%	180M 12.50%	161M 10.56%
general and administrative expenses	109.11M -	141.47M 29.65%	138.48M 2.11%	143.20M 3.41%	166.30M 16.13%	162.50M 2.29%	150.60M 7.32%	105.70M 29.81%	671M 534.82%	779M 16.10%	867M 11.30%
selling general and administrative expenses	109.11M -	141.47M 29.65%	138.48M 2.11%	143.20M 3.41%	166.30M 16.13%	162.50M 2.29%	150.60M 7.32%	105.70M 29.81%	831M 686.19%	959M 15.40%	1.03B 7.19%
research and development expenses
other expenses	561.88M -	844.23M 50.25%	1.16B 37.44%	1.45B 25.19%	1.64B 12.74%	1.50B 8.21%	1.21B 19.31%	1.34B 10.82%	187M 86.09%	-1.07B 670.05%	-1.12B 5.44%
cost and expenses	3.53B -	4.46B 26.64%	5.45B 21.99%	6.30B 15.68%	6.64B 5.35%	4.45B 32.94%	4.77B 7.17%	4.13B 13.50%	2.61B 36.73%	180M 93.11%	161M 10.56%
operating expenses	561.90M -	844.20M 50.24%	1.16B 37.44%	1.45B 25.19%	1.64B 12.74%	1.37B 16.22%	1.36B 0.62%	1.45B 6.34%	1.02B 29.79%	180M 82.32%	161M 10.56%
interest expense	181.10M -	131.90M 27.17%	179.50M 36.09%	218.20M 21.56%	282.70M 29.56%	156.40M 44.68%	130M 16.88%	108.50M 16.54%	383M 253.00%	503M 31.33%	879M 74.75%
ebitda	1.01B -	1.15B 14.02%	1.55B 34.63%	1.35B 12.94%	1.58B 17.02%	1.70B 7.83%	1.13B 33.53%	578.30M 48.89%	1.17B 101.80%	915M 21.59%	1.94B 112.46%
operating income	1.10B -	1.10B 0.05%	1.26B 14.58%	1.27B 0.56%	1.65B 30.03%	1.76B 6.79%	882.20M 49.80%	394.50M 55.28%	1.04B 164.64%	802M 23.18%	737M 8.10%
depreciation and amortization	216.10M -	313.10M 44.89%	492.10M 57.17%	512.10M 4.06%	497.60M 2.83%	487.30M 2.07%	249.30M 48.84%	183.80M 26.27%	123M 33.08%	113M 8.13%	116M 2.65%
total other income expenses net	-305.50M -	-260.53M 14.72%	-64.60M 75.20%	-428.50M 563.31%	-564.40M 31.72%	-670.60M 18.82%	-143.80M 78.56%	-493.90M 243.46%	247M 150.01%	-502M 303.24%	231M 146.02%
income before tax	793.40M -	837.90M 5.61%	928.30M 10.79%	837M 9.84%	1.08B 29.16%	1.22B 12.39%	738.40M 39.23%	394.50M 46.57%	1.04B 164.64%	300M 71.26%	968M 222.67%
income tax expense	297.20M -	321.80M 8.28%	325.10M 1.03%	319.40M 1.75%	292.40M 8.45%	269.50M 7.83%	165.80M 38.48%	99.50M 39.99%	247M 148.24%	76M 69.23%	231M 203.95%
net income	496.20M -	506.30M 2.04%	594.30M 17.38%	515.80M 13.21%	788.70M 52.91%	963.10M 22.11%	572.60M 40.55%	295M 48.48%	801M 171.53%	223M 72.16%	718M 221.97%
weighted average shs out	49.19M -	56.40M 14.66%	61.90M 9.75%	58.60M 5.33%	55.70M 4.95%	54.90M 1.44%	50M 8.93%	47.80M 4.40%	49.70M 3.97%	49.90M 0.40%	49.80M 0.20%
weighted average shs out dil	66.87M -	62.40M 6.68%	62.30M 0.16%	58.90M 5.46%	55.90M 5.09%	55.10M 1.43%	50M 9.26%	47.90M 4.20%	50M 4.38%	50M 0%	50M 0%
eps	10.09 -	8.72 13.58%	8.91 2.18%	7.37 17.28%	14.17 92.27%	17.54 23.78%	11.45 34.72%	6.17 46.11%	16.12 161.26%	4.47 72.27%	14.42 222.60%
epsdiluted	7.42 -	7.87 6.06%	8.85 12.45%	7.34 17.06%	14.10 92.10%	17.48 23.97%	11.45 34.50%	6.16 46.20%	16.02 160.06%	4.46 72.16%	14.36 221.97%

NYSE:ADS

Bread Financial Holdings, Inc.

Last Close

52.32

26/07 20:00

Market Cap

2.29B

Beta: 2.16

Volume Today

1.25M

Avg: 985.52K

PE Ratio

3.18

PFCF: 0.92

Dividend Yield

2.44%

Payout:7.96%

Preview