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.
IPO Year:
Exchange: NYSE
Website: https://www.breadfinancial.com
| Date | Price Target | Rating | Analyst |
|---|---|---|---|
| 12/19/2024 | $35.00 → $76.00 | Underweight → Overweight | Morgan Stanley |
| 8/9/2024 | $54.00 | Neutral → Buy | BofA Securities |
| 7/16/2024 | $54.00 | Buy | Compass Point |
| 6/20/2024 | $42.00 → $45.00 | Underperform → In-line | Evercore ISI |
| 6/7/2024 | Neutral | BTIG Research | |
| 5/2/2024 | $38.00 → $67.00 | Mkt Perform → Outperform | Keefe Bruyette |
| 5/1/2024 | Buy → Hold | Argus | |
| 4/4/2024 | $48.00 | Peer Perform → Outperform | Wolfe Research |
| 1/10/2024 | $33.00 | Market Perform | BMO Capital Markets |
| 1/3/2024 | $29.00 → $33.00 | In-line → Underperform | Evercore ISI |
COLUMBUS, Ohio, March 17, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated: For themonth endedFebruary 28, 2025 For themonth endedFebruary 29, 2024 (dollars in millions)End-of-period credit card and other loans$17,949 $18,391 Average credit card and other loans$18,141 $18,541 Year-over-year change in average credit card and other loans (2%) (6%)Net principal losses$120 $131 Net loss rate
COLUMBUS, Ohio, March 05, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH) ("Bread Financial" or the "Company") announced today the pricing of its previously announced offering of $400 million in aggregate principal amount of its 8.375% fixed-rate reset subordinated notes due 2035 (the "Notes"), in a private offering that is exempt from the registration requirements of the Securities Act of 1933, as amended (the "Securities Act"). The Notes will be sold at a price of 100% of the principal amount thereof. The closing of the issuance of the Notes is expected to occur on March 10, 2025, subject to customary closing conditions, and is expected to result in approximately $395
COLUMBUS, Ohio, March 05, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH) ("Bread Financial" or the "Company") today announced that its Board of Directors (the "Board") has authorized a new plan to repurchase up to $150 million of shares of its common stock. There is no expiration date for the repurchase plan. "Aligned with our capital priorities, we have prudently focused on strengthening our balance sheet over the past five years, including building capital and reducing debt. The issuance of Tier 2 capital and this share repurchase authorization will further strengthen our total capital ratios, while providing capital flexibility for future growth and further optim
COLUMBUS, Ohio, March 05, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH) ("Bread Financial" or the "Company") announced today that it intends to offer, subject to market and other conditions, $400 million aggregate principal amount of fixed-rate reset subordinated notes (the "Notes") in a private offering that is exempt from the registration requirements of the Securities Act of 1933, as amended (the "Securities Act"). The Company intends to lend no less than $250 million of the net proceeds of the Notes offering as subordinated debt to one of its subsidiary banks, Comenity Capital Bank, with the remaining proceeds intended to be used for general corporate purpo
COLUMBUS, Ohio, Feb. 25, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced the company's participation in the 2025 RBCCM Global Financial Institutions Conference on Tuesday, March 4. Bread Financial Chief Financial Officer Perry Beberman will participate in a fireside chat. The fireside chat will take place at 11:20 a.m. ET and will be broadcast live here. The fireside chat can also be accessed through Bread Financial's investor relations website. A replay of the webcast will be available for 90 days following the event. About Bread Finan
COLUMBUS, Ohio, Feb. 11, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated: For themonth endedJanuary 31, 2025 For themonth endedJanuary 31, 2024 (dollars in millions)End-of-period credit card and other loans$18,366 $18,785 Average credit card and other loans$18,530 $18,915 Year-over-year change in average credit card and other loans (2%) (9%)Net principal losses$123 $128 Net loss rate 7
NEW YORK, Feb. 05, 2025 (GLOBE NEWSWIRE) -- With the addition of Bread Pay® pay-over-time options to its network of lenders, ChargeAfter enables merchants to provide qualified customers with instant access to its installment programs. ChargeAfter, the embedded lending platform for point-of-sale financing, announced today it has added Bread Pay pay-over-time financing to its network of lenders. Bread Pay is offered through Bread Financial® (NYSE:BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions. This long-term agreement will enable merchants to offer their customers seamless access to Bread Pay's suite of long- and
COLUMBUS, Ohio, Feb. 04, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions to millions of U.S consumers, today announced the company's participation in the BofA Securities 2025 Financial Services Conference on Tuesday, Feb. 11. Bread Financial Chief Financial Officer Perry Beberman will participate in a fireside chat. The fireside chat will take place at 3:30 p.m. ET and will be broadcast live here. The fireside chat can also be accessed through Bread Financial's investor relations website. A replay of the webcast will be available for 90 days following th
COLUMBUS, Ohio, Jan. 30, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated. For the month ended December 31, 2024 For the three months endedDecember 31, 2024 (dollars in millions)End-of-period credit card and other loans$18,896 $18,896 Average credit card and other loans (1)$18,647 $18,156 Year-over-year change in average credit card and other loans (1) —% (1%)Net principal losses (2)$129 $367 Net loss rate (1)(2) 8.1
COLUMBUS, Ohio, Jan. 30, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc.® (NYSE:BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced its fourth quarter and full year 2024 financial results. All earnings-related materials are now available at the company's investor relations website, here. Bread Financial President and Chief Executive Officer Ralph Andretta and Chief Financial Officer Perry Beberman will host a conference call at 8:30 a.m. ET today to discuss results. A link to the conference call will be available at the company's investor relations website, and a replay will also be available there f
Morgan Stanley upgraded Bread Financial from Underweight to Overweight and set a new price target of $76.00 from $35.00 previously
BofA Securities upgraded Bread Financial from Neutral to Buy and set a new price target of $54.00
Compass Point initiated coverage of Bread Financial with a rating of Buy and set a new price target of $54.00
Evercore ISI upgraded Bread Financial from Underperform to In-line and set a new price target of $45.00 from $42.00 previously
BTIG Research initiated coverage of Bread Financial with a rating of Neutral
Keefe Bruyette upgraded Bread Financial from Mkt Perform to Outperform and set a new price target of $67.00 from $38.00 previously
Argus downgraded Bread Financial from Buy to Hold
Wolfe Research upgraded Bread Financial from Peer Perform to Outperform and set a new price target of $48.00
BMO Capital Markets initiated coverage of Bread Financial with a rating of Market Perform and set a new price target of $33.00
Evercore ISI downgraded Bread Financial from In-line to Underperform and set a new price target of $33.00 from $29.00 previously
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Veteran technology executive Allegra Driscoll joins Bread Financial as Executive Vice President and CTO Driscoll brings 20+ years leading tech strategy and implementation at top global financial service companies with a proven track record of driving business outcomes and leading large-scale transformation and innovation initiatives Bread Financial™ (NYSE:BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced that Allegra Driscoll has been named executive vice president and chief technology officer. Ms. Driscoll joins Bread Financial from American Express, where she most recently served as SVP, Chief Infor
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4 - BREAD FINANCIAL HOLDINGS, INC. (0001101215) (Issuer)
4 - BREAD FINANCIAL HOLDINGS, INC. (0001101215) (Issuer)
4 - BREAD FINANCIAL HOLDINGS, INC. (0001101215) (Issuer)
4 - BREAD FINANCIAL HOLDINGS, INC. (0001101215) (Issuer)
4 - BREAD FINANCIAL HOLDINGS, INC. (0001101215) (Issuer)
4 - BREAD FINANCIAL HOLDINGS, INC. (0001101215) (Issuer)
4 - BREAD FINANCIAL HOLDINGS, INC. (0001101215) (Issuer)
4 - BREAD FINANCIAL HOLDINGS, INC. (0001101215) (Issuer)
4 - BREAD FINANCIAL HOLDINGS, INC. (0001101215) (Issuer)
4 - BREAD FINANCIAL HOLDINGS, INC. (0001101215) (Issuer)
COLUMBUS, Ohio, March 17, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated: For themonth endedFebruary 28, 2025 For themonth endedFebruary 29, 2024 (dollars in millions)End-of-period credit card and other loans$17,949 $18,391 Average credit card and other loans$18,141 $18,541 Year-over-year change in average credit card and other loans (2%) (6%)Net principal losses$120 $131 Net loss rate
COLUMBUS, Ohio, March 05, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH) ("Bread Financial" or the "Company") announced today the pricing of its previously announced offering of $400 million in aggregate principal amount of its 8.375% fixed-rate reset subordinated notes due 2035 (the "Notes"), in a private offering that is exempt from the registration requirements of the Securities Act of 1933, as amended (the "Securities Act"). The Notes will be sold at a price of 100% of the principal amount thereof. The closing of the issuance of the Notes is expected to occur on March 10, 2025, subject to customary closing conditions, and is expected to result in approximately $395
COLUMBUS, Ohio, March 05, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH) ("Bread Financial" or the "Company") announced today that it intends to offer, subject to market and other conditions, $400 million aggregate principal amount of fixed-rate reset subordinated notes (the "Notes") in a private offering that is exempt from the registration requirements of the Securities Act of 1933, as amended (the "Securities Act"). The Company intends to lend no less than $250 million of the net proceeds of the Notes offering as subordinated debt to one of its subsidiary banks, Comenity Capital Bank, with the remaining proceeds intended to be used for general corporate purpo
COLUMBUS, Ohio, Feb. 11, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated: For themonth endedJanuary 31, 2025 For themonth endedJanuary 31, 2024 (dollars in millions)End-of-period credit card and other loans$18,366 $18,785 Average credit card and other loans$18,530 $18,915 Year-over-year change in average credit card and other loans (2%) (9%)Net principal losses$123 $128 Net loss rate 7
COLUMBUS, Ohio, Jan. 30, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated. For the month ended December 31, 2024 For the three months endedDecember 31, 2024 (dollars in millions)End-of-period credit card and other loans$18,896 $18,896 Average credit card and other loans (1)$18,647 $18,156 Year-over-year change in average credit card and other loans (1) —% (1%)Net principal losses (2)$129 $367 Net loss rate (1)(2) 8.1
COLUMBUS, Ohio, Jan. 30, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc.® (NYSE:BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced its fourth quarter and full year 2024 financial results. All earnings-related materials are now available at the company's investor relations website, here. Bread Financial President and Chief Executive Officer Ralph Andretta and Chief Financial Officer Perry Beberman will host a conference call at 8:30 a.m. ET today to discuss results. A link to the conference call will be available at the company's investor relations website, and a replay will also be available there f
COLUMBUS, Ohio, Jan. 30, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced that its Board of Directors declared a quarterly cash dividend of $0.21 per share on the Company's common stock, payable on March 21, 2025 to stockholders of record at the close of business on February 14, 2025. About Bread Financial® Bread Financial® (NYSE:BFH) is a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers. Our payment solutions, including Bread Financial general purpos
COLUMBUS, Ohio, Jan. 07, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, will host a conference call on Thursday, Jan. 30, 2025, at 8:30 a.m. ET to discuss the company's fourth quarter and full year 2024 results. Conference Call/Webcast InformationParticipants can register in advance here, and the conference call will be available at the company's investor relations website. Analysts planning to participate in the Q&A can register in advance here. Additionally, there will be several slides accompanying the webcast. Please go to the website at least 15 minute
COLUMBUS, Ohio, Dec. 11, 2024 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated. For themonth endedNovember 30, 2024 For themonth endedNovember 30, 2023 (dollars in millions)End-of-period credit card and other loans$18,143 $18,780 Average credit card and other loans (1)$17,947 $18,200 Year-over-year change in average credit card and other loans (1) (1%) (8%)Net principal losses (2)$118 $120 Net loss rate (1)(2) 8.0% 7.9%
COLUMBUS, Ohio, Nov. 14, 2024 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated. For themonth endedOctober 31, 2024 For themonth endedOctober 31, 2023 (dollars in millions)End-of-period credit card and other loans$17,915 $18,386 Average credit card and other loans (1)$17,867 $17,935 Year-over-year change in average credit card and other loans (1) —% (6%)Net principal losses (2)$120 $119 Net loss rate (1)(2) 7.9% 8.0%