BREAD FINANCIAL HOLDINGS, INC.
Bread Financial Holdings, Inc. is an American publicly traded provider of private label credit cards, coalition loyalty programs, and direct marketing, derived from the capture and analysis of transaction-rich data.
Basic company information
Each field links to its source. Financial figures retain their reporting periods; background references are identified in the source list.
- Business sectors
- financial services [1]
- Company / filing name
- BREAD FINANCIAL HOLDINGS, INC. [2]
- Headquarters location
- Columbus; Plano [1]
- Founded
- 1996 [1]
- Legal form
- Delaware corporation [1]
- Official website
- www.alliancedata.com ↗ [1]
- ISIN (reported securities)
- US0185811082 [1]
- CIK
- 1101215 [2]
- Country in background record
- United States [1]
- Symbols / exchanges
- BFH (NYSE), BFH-PA (NYSE), BFH-PB (NYSE) [2]
Company positioning and business
Bread Financial Holdings, Inc. is an American publicly traded provider of private label credit cards, coalition loyalty programs, and direct marketing, derived from the capture and analysis of transaction-rich data. [3]
A significant portion of Bread Financial's revenue is generated through late fees charged to the subprime consumers it primarily serves. In October 2024 the Wall Street Journal reported that Bread Financial would raise its soft interest rate of 29.99% and add additional fees to customer accounts in anticipation of a Consumer Financial Protection Bureau ruling that would reduce its $41.00 late payment fee to $8.00. [3]
Background text: Wikipedia contributors, Bread Financial. Selected introductory paragraphs, licensed under CC BY-SA 4.0. Official filing data is cited separately.
Financial year, securities and disclosures
Listed securities: BFH (NYSE), BFH-PA (NYSE), BFH-PB (NYSE). Multiple symbols may represent different share classes or securities of the same registrant. [2]
History and key events
Founding / inception date recorded in Wikidata. [1]
Financial results and regulatory disclosures
No individual financial documents have been indexed yet. Open the source to consult company disclosures. [2]
Related entities and concepts
Frequently asked questions
When was BREAD FINANCIAL HOLDINGS, INC. founded?
Founded: 1996. The linked source provides the background record. [1]
Where is the headquarters of BREAD FINANCIAL HOLDINGS, INC.?
Headquarters location: Columbus; Plano. The linked source provides the background record. [1]
Which business sectors are recorded for BREAD FINANCIAL HOLDINGS, INC.?
Business sectors: financial services. The linked source provides the background record. [1]
Sources and review dates
- Wikidata — company background record (CC0) ↗
- Company identity and profile data ↗
- Wikipedia contributors — Bread Financial (CC BY-SA 4.0) ↗
Reviewed 23 October 2026. Financial periods and historical event dates are shown separately. Figures reflect their stated source dates; this page is not a live quote or investment recommendation.