Company profile
Bread Financial Holdings, Inc.
NYSE: BFH · Financial Services · Financial - Credit Services
#206 of 1,012 Financial Services companies by revenuebottom-decile growth
EA Score
71BFH 74DQ 90GM 18SS 85
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
as of 2026-08-07
Market cap
$4.4B
as of 2026-08-07
Financials — latest annual
SEC EDGAR · USD-normalizedConceptUSDNativeFY
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
FY19
FY19
FY19
FY19
FY20
FY20
FY20
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
What is Bread Financial Holdings, Inc.’s revenue?
Bread Financial Holdings, Inc. booked $577.2M in FY2020 revenue, contracting 45% year over year — slower than 90% of Financial Services companies we track, at a 89.7% net margin.
Peers · Financial Services
Jefferson Capital, Inc. Common Stock54DPropel Holdings Inc.68BWorld Acceptance Corporation74BFifth Third Bancorp60CW.T.B. Financial Corporation57CAcadian Asset Management63CNeighbors
Franklin →Key facts
CEORalph J. Andretta
SectorFinancial Services
IndustryFinancial - Credit Services
HeadquartersColumbus, OH
ExchangeNYSE: BFH
Employees6,000
IPO date2001-06-15
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.