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 |
|---|---|---|---|
| 7/14/2025 | $105.00 | Neutral → Buy | BTIG Research |
| 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 |
COLUMBUS, Ohio, July 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 endedJune 30, 2025 For thethree months endedJune 30, 2025 (dollars in millions)End-of-period credit card and other loans$17,656 $17,656 Average credit card and other loans$17,631 $17,686 Year-over-year change in average credit card and other loans (1%) (1%)Net principal losses(1)$113 $348 Net loss rate(
COLUMBUS, Ohio, July 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 second 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
COLUMBUS, Ohio, July 24, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE:BFH) ("Bread Financial" or the "Company") today announced it has commenced cash tender offers (the "Tender Offers" and each, a "Tender Offer") to purchase up to $150.0 million (subject to increase, the "Aggregate Tender Cap") aggregate principal amount of its 9.750% Senior Notes maturing March 2029 (the "2029 Notes") and/or its 8.375% Fixed-Rate Reset Subordinated Notes due 2035, maturing June 2035 (the "2035 Notes" and, together with the 2029 Notes, the "Notes") subject to (i) the aggregate principal amount of all 2029 Notes accepted for purchase not exceeding $100.0 million (the "2029 Notes Sublimit")
COLUMBUS, Ohio, July 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 September 12, 2025 to stockholders of record at the close of business on August 8, 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 purpo
New premium-level credit card includes annual complimentary resort night, dining credits, gaming offers and moreAccelerated rewards create even more show-stopping, value-rich experiences for cardmembers LAS VEGAS, July 16, 2025 (GLOBE NEWSWIRE) -- Caesars Entertainment (NASDAQ:CZR), the largest casino entertainment company in the U.S., is playing a bold new hand by launching a second, elevated, Caesars Rewards® Visa Signature credit card with Bread Financial (NYSE:BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions. For a $149 annual fee*, the Caesars Rewards Prestige Visa Signature credit card includes up to $450 in a
COLUMBUS, Ohio, July 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, July 24, 2025, at 8:30 a.m. ET to discuss the company's second 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 t
COLUMBUS, Ohio, June 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 endedMay 31, 2025 For themonth endedMay 31, 2024 (dollars in millions)End-of-period credit card and other loans$17,702 $17,847 Average credit card and other loans$17,714 $17,846 Year-over-year change in average credit card and other loans (1%) 1%Net principal losses (1)$120 $133 Net loss rate (1) 8.0%
COLUMBUS, Ohio, June 05, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE:BFH) ("Bread Financial" or the "Company") announced that as of 5:00 p.m., New York City time, on June 4, 2025 (the "Early Participation Date"), pursuant to and in accordance with its previously announced cash tender offer (the "Tender Offer"), approximately $536,786,000 in aggregate principal amount of the Company's 9.750% Senior Notes due 2029 (the "Notes") had been validly tendered and not validly withdrawn on or prior to the Early Participation Date, which, if and when accepted for purchase up to $150,000,000 in aggregate principal amount of Notes (the "Tender Cap") by the Company pursuant to the term
COLUMBUS, Ohio, June 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 Morgan Stanley US Financials Conference on Wednesday, June 11. Bread Financial Chief Financial Officer Perry Beberman will participate in a fireside chat. The fireside chat will take place at 1:45 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, May 21, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE:BFH) ("Bread Financial" or the "Company") today announced it has commenced a cash tender offer (the "Tender Offer") to purchase up to $150.0 million (subject to increase, the "Tender Cap") aggregate principal amount of its 9.750% Senior Notes maturing March 2029 (the "Notes"). The Tender Offer is being made on the terms and subject to the conditions set forth in the Offer to Purchase, dated May 21, 2025 (as it may be amended or supplemented, the "Offer to Purchase"). The Tender Offer will expire at 5:00 p.m., New York City time, on June 20, 2025, unless extended or earlier terminated as described in the
BTIG Research upgraded Bread Financial from Neutral to Buy and set a new price target of $105.00
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
10-Q - BREAD FINANCIAL HOLDINGS, INC. (0001101215) (Filer)
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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
COLUMBUS, Ohio, July 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 endedJune 30, 2025 For thethree months endedJune 30, 2025 (dollars in millions)End-of-period credit card and other loans$17,656 $17,656 Average credit card and other loans$17,631 $17,686 Year-over-year change in average credit card and other loans (1%) (1%)Net principal losses(1)$113 $348 Net loss rate(
COLUMBUS, Ohio, July 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 second 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
COLUMBUS, Ohio, July 24, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE:BFH) ("Bread Financial" or the "Company") today announced it has commenced cash tender offers (the "Tender Offers" and each, a "Tender Offer") to purchase up to $150.0 million (subject to increase, the "Aggregate Tender Cap") aggregate principal amount of its 9.750% Senior Notes maturing March 2029 (the "2029 Notes") and/or its 8.375% Fixed-Rate Reset Subordinated Notes due 2035, maturing June 2035 (the "2035 Notes" and, together with the 2029 Notes, the "Notes") subject to (i) the aggregate principal amount of all 2029 Notes accepted for purchase not exceeding $100.0 million (the "2029 Notes Sublimit")
COLUMBUS, Ohio, July 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 September 12, 2025 to stockholders of record at the close of business on August 8, 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 purpo
COLUMBUS, Ohio, July 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, July 24, 2025, at 8:30 a.m. ET to discuss the company's second 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 t
COLUMBUS, Ohio, June 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 endedMay 31, 2025 For themonth endedMay 31, 2024 (dollars in millions)End-of-period credit card and other loans$17,702 $17,847 Average credit card and other loans$17,714 $17,846 Year-over-year change in average credit card and other loans (1%) 1%Net principal losses (1)$120 $133 Net loss rate (1) 8.0%
COLUMBUS, Ohio, June 05, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE:BFH) ("Bread Financial" or the "Company") announced that as of 5:00 p.m., New York City time, on June 4, 2025 (the "Early Participation Date"), pursuant to and in accordance with its previously announced cash tender offer (the "Tender Offer"), approximately $536,786,000 in aggregate principal amount of the Company's 9.750% Senior Notes due 2029 (the "Notes") had been validly tendered and not validly withdrawn on or prior to the Early Participation Date, which, if and when accepted for purchase up to $150,000,000 in aggregate principal amount of Notes (the "Tender Cap") by the Company pursuant to the term
COLUMBUS, Ohio, May 21, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE:BFH) ("Bread Financial" or the "Company") today announced it has commenced a cash tender offer (the "Tender Offer") to purchase up to $150.0 million (subject to increase, the "Tender Cap") aggregate principal amount of its 9.750% Senior Notes maturing March 2029 (the "Notes"). The Tender Offer is being made on the terms and subject to the conditions set forth in the Offer to Purchase, dated May 21, 2025 (as it may be amended or supplemented, the "Offer to Purchase"). The Tender Offer will expire at 5:00 p.m., New York City time, on June 20, 2025, unless extended or earlier terminated as described in the
COLUMBUS, Ohio, May 13, 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 endedApril 30, 2025 For themonth endedApril 30, 2024 (dollars in millions)End-of-period credit card and other loans$17,721 $17,891 Average credit card and other loans$17,712 $18,006 Year-over-year change in average credit card and other loans (2%) 2%Net principal losses (1)$114 $127 Net loss rate (1) 7.8
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