BREAD FINANCIAL HOLDINGS, INC.
Close on Oct 19, 2026
- Market cap
- $4.17B
- P/E (TTM)
- 8.0
- Dividend yield
- 0.84%
About Bread Financial
Personal Credit Institutions, SIC 6141
Bread Financial operates as a financial services company offering payment, lending, and direct-to-consumer savings solutions. Its primary offerings include co-branded and private label credit cards issued in partnership with retailers, proprietary credit cards, point-of-sale installment and split-pay financing through Bread Pay, and deposit products such as certificates of deposit and high-yield savings accounts through Bread Savings. The business operates across a single reportable segment, serving consumers across the United States as well as partner merchants ranging from large retail enterprises to small and mid-sized businesses.
The company delivers its branded credit card programs with nearly 100 partner brands and online merchants across retail verticals including specialty apparel, travel and entertainment, health and beauty, jewelry, and sporting goods. Its Bread Pay installment financing platform supports more than 1,400 retail partners. In addition to customer service centers located domestically and offshore, the company maintains multiple data processing centers to support its transaction systems.
Summary of the business section of Bread Financial's latest annual report, written by StockData.
Company profile
Company
- Legal name
- BREAD FINANCIAL HOLDINGS, INC.
- Founded
- 1996
- Headquarters
- Columbus, OH
- Address
- 3095 Loyalty Circle 43219
- Phone
- (614) 729-4000
- Website
- www.alliancedata.com
- Employees
- 6,000, Dec 31, 2025
- Industry
- Personal Credit Institutions
- Incorporated in
- Delaware
- Fiscal year ends
- December 31
- Auditor
- Deloitte & Touche LLP, Columbus, Ohio
Stock & identifiers
- Ticker
- BFH
- Other tickers
- BFH.PA, BFH.PB
- Exchange
- NYSE
- Shares outstanding
- 38M, Jul 22, 2026
- Public float
- $2.70B, Jun 30, 2025
- Filer category
- Large accelerated filer
- SEC CIK
- 1101215
- CUSIP
- 018581108
- ISIN
- US0185811082
- LEI
- 549300G8S4PO686J7H97
- EIN
- 31-1429215
Executives and directors
Officers and directors who filed ownership reports (Forms 3, 4, 5) in the last two years
| Name | Position | Shares owned |
|---|---|---|
| Ralph J. Andretta | President and CEO, Director | 583,241 |
| Dennis James McCarthy | EVP, Chief Revenue Officer | 29,546 |
| Perry S. Beberman | EVP, Chief Financial Officer | 142,061 |
| Allegra S. Driscoll | EVP, Chief Technology Officer | 60,780 |
| Jonathan Bryan Campbell | SVP, Chief Accounting Officer | 38,877 |
| Joseph L. Motes III | EVP, CAO, Gen Counsel & Secy | 129,617 |
| Valerie E. Greer | EVP, Chief Commercial Officer | 155,352 |
| Tammy M. McConnaughey | EVP, Operations & Credit Risk | 123,320 |
| Praniti Lakhwara | Director | 4,458 |
| John C. Gerspach | Director | 55,574 |
| Clair Joyce St | Director | 11,307 |
| Rajesh Natarajan | Director | 21,442 |
| John J. Fawcett | Director | 12,638 |
| Timothy J. Theriault | Director | 27,384 |
| Laurie Anne Tucker | Director | 35,459 |
| Sharen J. Turney | Director | 23,174 |
| Roger H. Ballou | Director | 30,079 |
CEO pay and shareholder return
Pay versus performance table from the proxy statement
| Fiscal year | CEO total pay | CEO pay actually paid | Other executives (avg) | Value of $100 invested | Peer group |
|---|---|---|---|---|---|
| FY2025 Ralph Andretta | $11.92M | $19.24M | $4.05M | $137 | $200 |
| FY2024 Ralph Andretta | $10.64M | $21.61M | $3.82M | $111 | $175 |
| FY2023 Ralph Andretta | $7.70M | $7.66M | $2.85M | $59 | $135 |
| FY2022 Ralph Andretta | $8.69M | $3.61M | $3.16M | $65 | $121 |
| FY2021 Ralph Andretta | $11.18M | $11.25M | $3.53M | $114 | $135 |
| FY2020 Ralph Andretta | $12.30M | $10.59M | $2.11M | $67 | $98 |
“Actually paid” adjusts reported pay for changes in the value of equity awards. Shareholder return assumes $100 invested at the start of the measurement period, as disclosed by the company.
Employees
Headcount reported in annual reports
“As of December 31, 2025, we employed approximately 6,000 associates worldwide, with the majority concentrated in the United States.”
Corporate history
Events identified from SEC filings
| Date | Event | Details |
|---|---|---|
| May 12, 2026 | Listing | Registration of securities on an exchange (Form 8-A) |
| Nov 25, 2025 | Listing | Registration of securities on an exchange (Form 8-A) |
| Mar 23, 2022 | Name change | Name changed from ALLIANCE DATA SYSTEMS CORP to BREAD FINANCIAL HOLDINGS, INC. |
| Nov 8, 2021 | Acquisition / sale | Completion of acquisition or disposition of assets (8-K Item 2.01) |
| Jul 5, 2019 | Acquisition / sale | Completion of acquisition or disposition of assets (8-K Item 2.01) |
| Dec 10, 2014 | Acquisition / sale | Completion of acquisition or disposition of assets (8-K Item 2.01) |
| Oct 3, 2014 | Merger | Registration of securities for a merger or exchange offer (S-4) |
| Jul 5, 2007 | Merger vote | Definitive merger proxy statement |
| Feb 2, 2007 | Acquisition / sale | Completion of acquisition or disposition of assets (8-K Item 2.01) |
| Oct 29, 2004 | Acquisition / sale | Completion of acquisition or disposition of assets (8-K Item 2.01) |
| Mar 15, 2000 | Listing | Registration of securities on an exchange (Form 8-A) |