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 |
|---|---|---|---|
| 4/7/2025 | $33.00 | Overweight → Underweight | Morgan Stanley |
| 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 |
4 - BREAD FINANCIAL HOLDINGS, INC. (0001101215) (Issuer)
4 - BREAD FINANCIAL HOLDINGS, INC. (0001101215) (Issuer)
Three-year, $3 million investment will focus on expanding care, training clinicians, and proven programs fostering wellness and social connection NEW YORK, May 5, 2025 /PRNewswire/ -- Bread Financial® (NYSE:BFH) and the Bob Woodruff Foundation announced today that the tech-forward financial services company and the leading nonprofit organization supporting veterans will embark on a multiyear mission to improve the mental health of children in military families. Bread Financial's $3 million investment over the next three years will build on the company's history of supporting the Bob Woodruff Foundation, including efforts focused on children and families of those who have served in uniform.
COLUMBUS, Ohio, April 24, 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 endedMarch 31, 2025 For the three months endedMarch 31, 2025 (dollars in millions)End-of-period credit card and other loans$17,815 $17,815 Average credit card and other loans$17,818 $18,164 Year-over-year change in average credit card and other loans (2%) (2%)Net principal losses$123 $365 Net loss ra
COLUMBUS, Ohio, April 24, 2025 (GLOBE NEWSWIRE) -- Bread Financial® (NYSE:BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced a multi-year agreement with Crypto.com, one of the world's largest cryptocurrency exchanges, to launch the first Crypto.com credit card program in the United States. The Crypto.com Visa Signature® Credit Card will offer Crypto.com customers a new way to make purchases, while earning CRO rewards1. With five credit card tiers, from Midnight Blue to Obsidian, cardmembers can earn uncapped CRO rewards at varying rates. For the first twelve months from account open or tier upgrade, s
COLUMBUS, Ohio, April 24, 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 first quarter 2025 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 following the c
COLUMBUS, Ohio, April 24, 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 June 13, 2025 to stockholders of record at the close of business on May 9, 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 purpose
COLUMBUS, Ohio, April 08, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions, will host a conference call on Thursday, Apr. 24, 2025, at 8:30 a.m. ET to discuss the company's first quarter 2025 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 minutes prior
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, April 24, 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 endedMarch 31, 2025 For the three months endedMarch 31, 2025 (dollars in millions)End-of-period credit card and other loans$17,815 $17,815 Average credit card and other loans$17,818 $18,164 Year-over-year change in average credit card and other loans (2%) (2%)Net principal losses$123 $365 Net loss ra
COLUMBUS, Ohio, April 24, 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 first quarter 2025 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 following the c
COLUMBUS, Ohio, April 24, 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 June 13, 2025 to stockholders of record at the close of business on May 9, 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 purpose
COLUMBUS, Ohio, April 08, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions, will host a conference call on Thursday, Apr. 24, 2025, at 8:30 a.m. ET to discuss the company's first quarter 2025 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 minutes prior
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
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)
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
10-Q - BREAD FINANCIAL HOLDINGS, INC. (0001101215) (Filer)
8-K - BREAD FINANCIAL HOLDINGS, INC. (0001101215) (Filer)
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8-K - BREAD FINANCIAL HOLDINGS, INC. (0001101215) (Filer)
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Morgan Stanley downgraded Bread Financial from Overweight to Underweight and set a new price target of $33.00
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