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Companies/Bread Financial Holdings, Inc.
Company profile

Bread Financial Holdings, Inc.

NYSE: BFH · Financial Services · Financial - Credit Services
PublicHQ Columbus, OH · FranklinCIK 0001101215Reports USD
#205 of 1,011 Financial Services companies by revenuebottom-decile growth
EA Score
71B
FH 74DQ 90GM 18SS 84
v0.1 · 65/100 weight · provisional
↑ filing timeliness, workforce scale · ↓ revenue growth (YoY), 3-yr revenue growth
Methodology →
Revenue TTM
$4.7B
Rev growth YoY (TTM)
-0.8%
Net income (FY)
$518.0M
Employees
6,000
Market cap
$4.1B
OverviewFinancialsSegmentsFilingsESGPeople & Places

Financials — latest annual

SEC EDGAR · USD-normalized
ConceptUSDNativeFY
Revenue$577.2M$577.2M2020
Net income$518.0M$518.0M2025
Operating income$888.4M$888.4M2020
Total assets$22.7B$22.7B2025
Liabilities$19.3B$19.3B2025
Equity$3.3B$3.3B2025

Revenue trend

FY2019 – FY2020 · USD
$1.3B
FY19
$1.3B
FY19
$1.4B
FY19
$840.2M
FY19
$1.4B
FY20
$979.3M
FY20
$1.1B
FY20
$577.2M
FY20

Revenue by segment

Filed disclosures · FY2020
By product
Short Term Loyalty Programs84%
Coalition Loyalty Program45%
Other0%
Servicing Fees Net-30%
By geography
U83%
E M E A7%
C6%
Asia Pacific2%
Other Geographic Regions1%
The read

Bread Financial Holdings, Inc. booked $577.2M in FY2020 revenue, contracting 45% year over year — among the slowest-growing Financial Services companies we track, at a 89.7% net margin.

Peers · Financial Services
Blockchain Capital Tokenhub Pte. Ltd.——MarketAxess Holdings Inc.78B+E-L Financial Corporation Limited55CLazard Inc76B+
Neighbors
Franklin →
Vertiv Holdings Co$10.2B74BAmerican Electric Power Company, Inc.$21.7B74BCardinal Health, Inc.$222.6B83B+Huntington Bancshares Incorporated$1.6B62CMettler-Toledo International Inc.$4.0B80B+Advanced Drainage Systems, Inc.$3.1B63C
Key facts
CEORalph J. Andretta
SectorFinancial Services
IndustryFinancial - Credit Services
HeadquartersColumbus, OH
ExchangeNYSE: BFH
Employees6,000
IPO date2001-06-15
Latest filings
8-K2026-06-108-K2026-05-228-K2026-05-158-K2026-05-128-K2026-05-068-K2026-05-0510-Q2026-04-288-K2026-04-23
Financials: SEC EDGAR (XBRL), USD-normalized per IAS 21 · TTM/quarterly + segments: FMP from filed disclosures · Filings: EDGAR submissions. County headcount and EA Score are in progress — see docs/DATA_GAPS.md.
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