98.61
-3.16%
Close of 9 Nov 2026, in USD
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About Bread Financial Holdings
From its filings with the US Securities and Exchange Commission
Bread Financial Holdings is based in Columbus, Ohio and is incorporated in Delaware. Its shares trade on NYSE under the ticker BFH. The SEC classifies its business as personal credit institutions. In the fiscal year to 31 December 2025, it reported revenue of $3.85bn and net income of $518.0m. At that date it held total assets of $22.66bn and shareholders' equity of $3.33bn.
We are 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 credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel and entertainment, health and beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers.
We have continued to diversify our product mix with our brand partners through growth of our co-brand credit card programs, which, relative to our private label credit card programs, have higher credit sales per account and an improved credit risk mix that generally results in higher transactor balances, lower delinquencies and late fees, as well as lower losses. We also offer our proprietary credit cards along with the expansion of our Bread Pay products, which are our installment loans and “split-pay” offerings.
Quoted from its 10-K, filed 13 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Information Technology
- Industry
- IT Services
- Listed since
- 8 Jun 2001
- Employees
- 6,000
- Website
- alliancedata.com ↗
- Head office
- 3095 LOYALTY CIRCLE, COLUMBUS, OH, 43219
- Incorporated in
- DE
- Classification
- Personal Credit Institutions
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. Roger BallouNon-Executive Independent Chairman of the Board$463,199
- Mr. Ralph AndrettaPresident, Chief Executive Officer, Director, since 2020$10.6m
- Mr. Perry BebermanChief Financial Officer, Executive Vice President$3.9m
- Ms. Tammy McConnaugheyExecutive Vice President, Chief Credit, Risk and Operations Officer$2.7m
- Ms. Allegra DriscollExecutive Vice President, Chief Technology Officer$4.0m
- Mr. Joseph MotesExecutive Vice President, Chief Administrative Officer, General Counsel, Secretary$3.5m
- Ms. Valerie GreerExecutive Vice President, Chief Commercial Officer$3.9m
- Mr. J. Bryan CampbellSenior Vice President, Chief Accounting Officer
- Ms. Joyce ClairIndependent Director$256,177
- Mr. John FawcettIndependent Director$203,677
- Mr. John GerspachIndependent Director$294,522
- Ms. Praniti LakhwaraIndependent Director$183,308
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 77
- Environment
- 47
- Social
- 99
- Governance
- 84
- Direct emissions (scope 1)
- 933 t
- Energy emissions (scope 2)
- 5,679 t
- Value chain emissions (scope 3)
- 93,226 t
- Carbon reduction policy
- No
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Alliance Data Systems Corp has a strong market position and wide brand recognition, providing a solid foundation for business growth. The company has a diverse range of products and services, including loyalty programs, analytics, and credit card processing, which contribute to its competitive advantage. Moreover, Alliance Data Systems Corp has a strong customer base and established relationships with various industries, enhancing its market presence.
Weaknesses
- One notable weakness of Alliance Data Systems Corp is its dependency on a few major clients for a significant portion of its revenue. This increases the company's vulnerability to potential client loss or changes in their business strategies. Additionally, the company may face challenges in adapting to rapidly evolving technological advancements and market trends, potentially impacting its competitiveness in the long term.
Opportunities
- Alliance Data Systems Corp can leverage emerging technologies, such as artificial intelligence and machine learning, to further enhance its analytics capabilities and provide innovative solutions to its clients. The company can also explore new markets and expand its product offerings to diversify its revenue streams. Furthermore, the increasing demand for personalized customer experiences presents an opportunity for Alliance Data Systems Corp to strengthen its loyalty programs and data-driven marketing services.
Threats
- The competitive landscape poses a threat to Alliance Data Systems Corp, as it faces competition from both traditional and emerging players in the market. Rapidly changing regulations and compliance requirements also pose a challenge to the company, potentially increasing operational costs and limiting its flexibility. Additionally, economic downturns or fluctuations can negatively impact consumer spending, affecting the demand for Alliance Data Systems Corp's services.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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