BREAD FINANCIAL HOLDINGS, INC.

Bread Financial Holdings provides payment and lending solutions across North America, operating primarily through private label and co-brand credit card programs alongside digital payment platforms. The company originates, manages, and services credit card loans, installment loans, and split-pay products for consumer financing. Its technology infrastructure includes a digital payments platform called Bread Pay, which enables merchants and partners to embed point-of-sale financing options through application programming interfaces. The company also provides complementary services including risk management, underwriting, marketing support, and data analytics to support its lending operations.

The business operates across multiple revenue streams. Core lending services include originating and servicing credit card programs, installment loans, and promotional financing products. The Bread Pay platform generates revenue through merchant partnerships and integration services. Additionally, the company offers retail deposit products, including high-yield savings accounts and certificates of deposit under its Bread Savings brand, which support funding for loan originations.

The company maintains significant scale with approximately 6,000 full-time employees and is headquartered in Columbus, Ohio. It operates under several branded products including Bread, Bread Financial, Bread Cashback, Bread Rewards, and Bread Savings. The company traces its origins to 1995 and was formerly known as Alliance Data Systems Corporation before rebranding in March 2022.