Company Bread Financial Holdings, Inc.

BFH

US0185811082

Consumer Lending

Analysts' Consensus

Business Summary

Sales per Business

Sales per region

Managers

Members of the board

Share class

Shareholders

Company contact information

Group companies

Sector

Ratings for Bread Financial Holdings, Inc.

EPS Revisions

Quarterly earnings - Rate of surprise

Sector Other Consumer Lending

Market Closed - Nyse Other stock markets 21:00:01 26/04/2024 BST			5-day change	1st Jan Change
36.97 ^USD	+0.87%		+7.22%	+12.23%

04-25	Bread Financial Holdings Delinquency Rate Rises in March	MT
04-25	Transcript : Bread Financial Holdings, Inc., Q1 2024 Earnings Call, Apr 25, 2024

Bread Financial Holdings, Inc. is a tech-forward financial services company. The Company is engaged in providing simple, personalized payment, lending, and saving solutions. The Company through its data insights and white-label technology, it delivers a comprehensive product suite, including private label and co-brand credit cards and buy now, pay later products (split-pay). It also offers direct-to-consumer solutions that give customers more access, and freedom through its branded Bread Cashback American Express Credit Card and Bread Savings products. The Company offers both direct-to-consumer retail deposit products as well as deposits sourced through contractual arrangements with various financial counterparties (often referred to as wholesale deposits). Its products are supported by various services and capabilities, including risk management, account origination and funding services; loan processing and servicing; marketing and data and analytics; and its Enhanced Digital Suite.

Number of employees: 7,000

USD in Million	2022	Weight	2023	Weight	Delta
Payment, Lending and Saving Solutions 100.0 %	3,826	100.0 %	4,289	100.0 %	+12.10%

USD in Million	2022	Weight	2023	Weight	Delta
United States 100.0 %	3,826	100.0 %	4,289	100.0 %	+12.10%

Managers	Title	Age	Since
Ralph Andretta CEO	Chief Executive Officer	63	02/02/20
Perry Beberman DFI	Director of Finance/CFO	58	05/07/21
Tammy McConnaughey COO	Chief Operating Officer	50	31/05/92
Joseph Motes ADM	Chief Administrative Officer	62	30/06/15
Brian Vereb IRC	Investor Relations Contact	-	-
Shannon Andrick PRN	Corporate Officer/Principal	-	-
Brandy Sullivan HRO	Human Resources Officer	-	-
Valerie Greer PRN	Corporate Officer/Principal	59	31/05/20
J. Campbell AUD	Comptroller/Controller/Auditor	51	07/11/21
Charles Horn PRN	Corporate Officer/Principal	63	06/12/09

Members of the board	Title	Age	Since
Timothy Theriault BRD	Director/Board Member	63	09/10/16
John Gerspach BRD	Director/Board Member	70	09/06/20
Sharen Turney BRD	Director/Board Member	67	03/06/19
Roger Ballou CHM	Chairman	73	31/01/01
Charles Horn PRN	Corporate Officer/Principal	63	06/12/09
Laurie Tucker BRD	Director/Board Member	67	31/05/15
Joyce St. Clair BRD	Director/Board Member	65	09/07/23
Ralph Andretta CEO	Chief Executive Officer	63	02/02/20
Rajesh Natarajan BRD	Director/Board Member	54	09/06/20

	Vote	Quantity	Free-Float	Company-owned shares	Total Float
Stock A	1	49,559,598	49,238,553 ( 99.35 %)	0	99.35 %

Name	Equities	%	Valuation
Vanguard Fiduciary Trust Co. 11.39 %	5,631,371	11.39 %	210 M $
Turtle Creek Asset Management, Inc. 11.03 %	5,452,961	11.03 %	203 M $
Turtle Creek Asset Management, Inc. 9.971 %	4,927,961	9.971 %	184 M $
BlackRock Advisors LLC 9.230 %	4,561,638	9.230 %	170 M $
Dimensional Fund Advisors LP 6.070 %	3,000,035	6.070 %	112 M $
Wellington Management Co. LLP 4.264 %	2,107,253	4.264 %	78 M $
STATE STREET CORPORATION 3.940 %	1,947,387	3.940 %	73 M $
HSBC Bank Plc 3.267 %	1,614,752	3.267 %	60 M $
Lyrical Asset Management LP 2.898 %	1,432,221	2.898 %	53 M $
Eaton Vance Management 2.786 %	1,376,896	2.786 %	51 M $

Bread Financial Holdings, Inc.

3095 Loyalty Circle

43219, Columbus

+614 729 4000

http://www.breadfinancial.com

address Bread Financial Holdings, Inc.(BFH)

Name	Category and Sector
LoyaltyOne Co. LoyaltyOne Co. Regional BanksFinance LoyaltyOne Co. provides resources and technology for the design, implementation and management of loyalty marketing and customer yield management programs. It designs marketing software to track purchasing behaviors for customer loyalty programs. The company also provides strategy and consulting services. The company is headquartered in Milford, OH.	Regional Banks
Brand Loyalty International BV Brand Loyalty International BV Advertising/Marketing ServicesCommercial Services Part of Loyalty Ventures, Inc., Brand Loyalty International BV is a Dutch company that provides winning loyalty campaigns by connecting high-frequency retailers, partners, and shoppers. The private company is based in 's-Hertogenbosch, Netherlands. The company's description emphasizes their commitment to giving back to communities worldwide through their BrandCharity initiative, which has been in operation for over 15 years. The company fully supports the retailer's journey, from strategy to solution and execution.	Advertising/Marketing Services
Brand Loyalty Holding BV
Brand Loyalty Russia BV
LVI Lux Financing SARL LVI Lux Financing SARL Financial ConglomeratesFinance Part of Loyalty Ventures, Inc., LVI Lux Financing SARL is a Luxembourger company that provides investment services. The private company is based in Luxembourg, Luxembourg.	Financial Conglomerates
ALLDATA Card Services India LLP
Brand Loyalty Special Promotions BV Brand Loyalty Special Promotions BV Information Technology ServicesTechnology Services Part of Bread Financial Holdings, Inc., Brand Loyalty Special Promotions BV is a Dutch company that provides computer programming services. The private company is based in 's-Hertogenbosch, Netherlands.	Information Technology Services
Brand Loyalty Sourcing BV Brand Loyalty Sourcing BV Information Technology ServicesTechnology Services Part of Loyalty Ventures, Inc., Brand Loyalty Sourcing BV is a Dutch company that provides computer programming services. The private company is based in 's-Hertogenbosch, Netherlands.	Information Technology Services
Brand Loyalty BV Brand Loyalty BV Advertising/Marketing ServicesCommercial Services Part of Loyalty Ventures, Inc., Brand Loyalty BV is a Dutch company that provides winning loyalty campaigns by connecting high-frequency retailers, partners, and shoppers. The private company is based in 's-Hertogenbosch, Netherlands. Brand Loyalty also has a charitable arm called BrandCharity, which has been giving back to communities worldwide for over 15 years. The company fully supports the retailer's journey, from strategy to solution and execution, and is inspired by their purpose of 'Next generation happiness'.	Advertising/Marketing Services

Trading Rating

Investor Rating

ESG Refinitiv

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Sell

Buy

Mean consensus

HOLD

Number of Analysts

Last Close Price

36.97 USD

Average target price

37.21 USD

Spread / Average Target

+0.66%

Consensus

Estimates Revisions

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Banking & Investment Services

Banking Services

Consumer Lending

Other Consumer Lending

	1st Jan change	Capi.
BREAD FINANCIAL HOLDINGS, INC.	+12.23%	1.83B
BAJAJ FINANCE LIMITED	-8.14%	49.88B
BAJAJ FINSERV LTD.	-5.25%	30.53B
ORIX CORPORATION	+20.03%	23.38B
SYNCHRONY FINANCIAL	+16.97%	17.94B
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED	-6.99%	11.81B
SHRIRAM FINANCE LIMITED	+21.92%	11.27B
SOFI TECHNOLOGIES, INC.	-20.90%	8.31B
MUTHOOT FINANCE LIMITED	+14.34%	8.13B
SUNDARAM FINANCE LIMITED	+36.65%	6.39B

Other Consumer Lending