Company Bread Financial Holdings, Inc.

BFH

US0185811082

Consumer Lending

Market Closed - Nyse Other stock markets 21:00:03 18/05/2026 BST			5-day change	1st Jan Change
85.93 ^USD	-0.96%		+1.18%	+16.07%

05-15	Bread Financial Reports Lower 30-Day-Plus Delinquencies in April	MT
05-15	Bread Financial provides performance update for April 2026	RE

Business description: Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc. is a tech-forward financial services company, which is engaged in providing simple, personalized payment, lending, and saving solutions. The Company's product offerings consist of private label and co-brand credit card programs with retailers and other brand partners; direct-to-consumer (DTC) credit cards; Bread Pay products; and Bread Savings products. Its payment solutions, including Bread Financial general purpose credit cards and savings products. Its private label credit cards are partner-branded credit cards used by consumers for the purchase of goods and services from that partner. Bread Pay is its payment technology solution for pay-over-time products. The Company's products are supported by various services and capabilities, including risk management, account origination and funding services; credit card and other loan processing and servicing; fraud prevention; marketing, and data and analytics; and digital and mobile capabilities.

Number of employees: 6,000

Sales by Activity: Bread Financial Holdings, Inc.

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Card Services	2.73B	2.23B	3.06B	2.44B	2.6B

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Executive Committee: Bread Financial Holdings, Inc.

Manager	Title	Age	Since
Ralph Andretta CEO	Chief Executive Officer	65	02/02/2020
Perry Beberman DFI	Director of Finance/CFO	60	05/07/2021
Allegra Driscoll CTO	Chief Tech/Sci/R&D Officer	46	22/01/2024
Tammy McConnaughey COO	Chief Operating Officer	52	31/05/1992
Joseph Motes ADM	Chief Administrative Officer	64	04/06/2019

See BREAD FINANCIAL HOLDINGS, INC. governance

Composition of the Board of Directors: Bread Financial Holdings, Inc.

Director	Title	Age	Since
Timothy Theriault BRD	Director/Board Member	65	09/10/2016
John Gerspach BRD	Director/Board Member	72	09/06/2020
Sharen Turney BRD	Director/Board Member	69	03/06/2019
Roger Ballou CHM	Chairman	75	09/06/2020
Laurie Tucker BRD	Director/Board Member	69	30/04/2015
Joyce St. Clair BRD	Director/Board Member	67	09/07/2023
John Fawcett BRD	Director/Board Member	67	13/05/2024
Ralph Andretta BRD	Director/Board Member	65	02/02/2020
Rajesh Natarajan BRD	Director/Board Member	56	09/06/2020
Praniti Lakhwara BRD	Director/Board Member	51	09/06/2024

Composition of the Board of Directors

Shareholders: Bread Financial Holdings, Inc.

Name	Equities	%	Valuation
Turtle Creek Asset Management, Inc. 12.31 %	4,975,507	12.31 %	422 M $
BlackRock Advisors LLC 9.954 %	4,022,243	9.954 %	341 M $
Dimensional Fund Advisors LP 7.637 %	3,086,060	7.637 %	262 M $
DFA Australia Ltd. 7.391 %	2,986,570	7.391 %	253 M $
Vanguard Portfolio Management LLC 6.915 %	2,793,984	6.915 %	237 M $

List of BREAD FINANCIAL HOLDINGS, INC. shareholders

Company details: Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc.

3095 Loyalty Circle

43219, Columbus

+614 729 4000

http://www.breadfinancial.com

address Bread Financial Holdings, Inc.(BFH)

Group companies: Bread Financial Holdings, Inc.

Name	Category and Sector
ALLDATA Card Services India LLP
ALLDATA Card Services India LLP
LoyaltyOne Co. LoyaltyOne Co. Regional BanksFinance Owns and operates loyalty programs	Regional Banks
LoyaltyOne Co. LoyaltyOne Co. Regional BanksFinance Owns and operates loyalty programs	Regional Banks
Brand Loyalty Russia BV

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Other Consumer Lending

Add to a list 0 selected To use this feature you must be a member Log in Sign up	Change	5d. change	1-year change	3-years change	Capi.($)
BREAD FINANCIAL HOLDINGS, INC.	-0.96%	+1.18%	+59.28%	+181.55%	3.51B
BAJAJ FINANCE LIMITED	+1.17%	-1.60%	+0.48%	+35.67%	58.87B
ORIX CORPORATION	+1.89%	-1.39%	+100.03%	+145.04%	39.96B
BAJAJ FINSERV LTD.	+1.45%	-2.29%	-13.79%	+23.85%	28.71B
SYNCHRONY FINANCIAL	-0.46%	+1.10%	+16.86%	+136.83%	24.01B
SHRIRAM FINANCE LIMITED	+0.72%	+1.03%	+38.71%	+251.09%	22.99B
SOFI TECHNOLOGIES, INC.	+0.64%	-3.38%	+12.86%	+209.86%	20.02B
JIO FINANCIAL SERVICES LIMITED	-0.18%	-3.20%	-16.02%	-	16.04B
MUTHOOT FINANCE LIMITED	-0.62%	-4.28%	+56.35%	+213.30%	13.86B
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED	-0.65%	-2.74%	-7.04%	+45.58%	13.75B
Average	+0.27%	-2.01%	+24.77%	+138.09%	24.17B
Weighted average by Cap.	+0.74%	-0.50%	+24.06%	+115.47%