BREAD FINANCIAL HOLDINGS, INC. (BFH) Bread Financial Holdings, Inc. offers cutting-edge payment and credit solutions to consumers and various industries throughout North America. Their services include comprehensive financing for credit cards and other loans, which involves managing risk, originating accounts, and providing funding for approximately 130 private label and co-branded credit card programs. They also support around 500 small and medium-sized businesses through their Bread partnerships and issue Comenity-branded general purpose cash-back credit cards. The company is responsible for administering and overseeing all loans it generates, covering private label, co-brand, and general-purpose credit card portfolios, as well as its Bread BNPL (Buy Now Pay Later) products, which include installment and split-pay options. Beyond lending, they provide marketing, data, and analytics services. Their enhanced digital toolkit features a unified Software Development Kit (SDK), allowing seamless integration with their product range and encouraging the presentation of credit payment choices earlier in the retail journey. Additionally, the Bread digital payments platform, powered by a comprehensive suite of application programming interfaces (APIs), empowers merchants and partners to readily incorporate online point-of-sale financing, such as installment and split-pay solutions. Established in Columbus, Ohio in 1996, the company was formerly known as Alliance Data Systems Corporation until it rebranded as Bread Financial Holdings, Inc. in March 2022.
Sector: Personal Credit Institutions
Industry: Financial - Credit Services
Bread Financial Holdings, Inc. NYSE:BFH Financial Services · Financial - Credit Services
Mkt Cap $4.03B
Div Yield 0.87%
CLOSED · Nov 3 $106.26 CLOSED · Nov 3 Prev close $107.16 Close $106.26 0.00% AH close $106.26 VOL 464K $ Vol $49.4M RVOL 0.80x
Mkt Cap $4.03B
VOL 464K sh
$ Vol $49.4M
RVOL 0.80×
Div Yield 0.87%
Press Release ⚠ 2
Bread Financial Announces Pricing of an Offering of Depositary Shares Representing Interests in Its Series C Preferred Stock
Bread Financial priced an underwritten offering of 5,000,000 depositary shares representing 1/40th interests in its 9.375% Fixed Rate Reset Series C Preferred Stock, with a $25 liquidation preference per depositary share.
The deal includes a 30-day option for underwriters to buy up to 750,000 additional shares, and the offering is expected to close November 3, 2026 with approximately $120.2 million in net proceeds.
Proceeds are earmarked for general corporate purposes, including funding subsidiary Comenity Capital Bank and potential share repurchases; Morgan Stanley, KBW, RBC, UBS and Wells Fargo are joint bookrunners.
• 7d ago AI analysis › Press Release
Bread Financial Announces Launch of an Offering of Depositary Shares Representing Interests in Its Series C Preferred Stock
Bread Financial launched an underwritten public offering of depositary shares representing interests in its Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series C, with a liquidation preference of $25 per depositary share.
The company plans to list the depositary shares on the NYSE and will use net proceeds for general corporate purposes, potentially including funding its subsidiary bank Comenity Capital Bank and share repurchases.
Five banks — Morgan Stanley, KBW, RBC Capital Markets, UBS, and Wells Fargo Securities — are acting as joint bookrunners; completion remains subject to market conditions.
• 7d ago AI analysis › Press Release ⚠ 1
Bread Financial Provides Performance Update for September 2026
Bread Financial reported September 2026 credit metrics, with end-of-period credit card and other loans of $18.85 billion and average loans up 6.4% year-over-year.
Credit quality improved: the 30+ day delinquency rate fell to 5.57% from 6.04% a year earlier, while the September net principal loss rate was 5.99% (6.40% for the quarter).
The routine monthly update carries no earnings or guidance changes, but the YoY delinquency improvement is a modest positive signal on consumer credit health.
• 12d ago AI analysis › Press Release
Bread Financial and Sephora Sign Long-Term Renewal to Advance Credit and Loyalty Experience
Bread Financial announced a long-term renewal of its credit and loyalty program agreement with prestige beauty retailer Sephora.
The renewal continues the integration between Sephora's branded credit program and its Beauty Insider loyalty program, supported by investments in analytics and digital capabilities.
No financial terms were disclosed; the deal preserves an existing co-brand relationship rather than adding a new one, a modest positive for portfolio stability.
• 12d ago AI analysis › Press Release
Bread Financial Reports Third Quarter 2026 Results
Bread Financial Holdings (NYSE: BFH) announced its third quarter 2026 financial results, with all earnings materials posted to its investor relations website.
President and CEO Ralph Andretta and CFO Perry Beberman host a conference call at 8:30 a.m. ET today, with a replay to follow on the IR site.
This release is a notification of results availability and contains no financial figures itself.
• 12d ago AI analysis › Press Release
Bread Financial Declares Dividends on Preferred Stock and Increased Dividend on Common Stock
Bread Financial's board declared a Q4 2026 common dividend of $0.25 per share, a 9% increase from $0.23, payable December 15 to holders of record November 30.
The board also declared quarterly preferred dividends of $21.56 per share on Series A and $22.19 per share on Series B preferred stock.
The common dividend raise signals management confidence in cash flow but carries no new financial or operating disclosure.
• 12d ago AI analysis › Press Release
Bread Financial Schedules Third Quarter 2026 Earnings Conference Call for Oct. 22
Bread Financial (NYSE: BFH) will host a conference call on Thursday, Oct. 22, 2026, at 8:30 a.m. ET to discuss third quarter 2026 results.
The call will be webcast live and archived on the company's investor relations website, with analysts able to register in advance for the Q&A.
This is a scheduling notice only — no financial results or guidance are included.
• 28d ago AI analysis › Press Release ⚠ 1
Bread Financial and Signet Jewelers Renew Longstanding Credit Card Program Agreement
Bread Financial signed a long-term renewal of its credit card program agreement with Signet Jewelers, extending a partnership that already covers most of Signet's U.S. portfolio of brands.
The renewal centers on continued technology enhancements, analytics-driven marketing, and expanded credit capabilities, with Blue Nile credit capabilities being added this fall ahead of the holiday season.
No financial terms, program economics, or contract length were disclosed, so the news confirms continuity of a core partner relationship rather than changing near-term numbers for Bread Financial.
• 1mo ago AI analysis › Press Release
Bread Financial Provides Performance Update for August 2026
Bread Financial's August 2026 net principal loss rate fell to 6.40% from 7.57% a year earlier, with net principal losses of $101 million versus $113 million in August 2025.
Credit quality improved across the board: the delinquency rate declined to 5.36% from 5.84%, and 30+ day principal delinquencies dropped to $885 million from $934 million.
Loan growth also returned, with average credit card and other loans up 5.6% year-over-year to $18.6 billion and end-of-period loans at $18.7 billion — a reversal from the -0.9% contraction a year ago.
Falling losses and delinquencies alongside renewed balance-sheet growth is a favorable combination for the card issuer heading into Q3 earnings.
• 1mo ago AI analysis › Press Release
Bread Financial to Participate in the Barclays 24th Annual Global Financial Services Conference
Bread Financial (NYSE: BFH) will participate in the Barclays 24th Annual Global Financial Services Conference on Tuesday, September 15.
EVP and CFO Perry Beberman will take part in a fireside chat at 11:15 a.m. ET, broadcast live and accessible through the company's investor relations website, with a replay available for 90 days.
The announcement contains no new financial results, guidance, or strategic disclosures — it is a routine investor-outreach notice.
• 1mo ago AI analysis › Press Release
Fans Score More: NFL Extra Points American Express® Credit Card Now Available
American Express and Bread Financial launched the NFL Extra Points Credit Card on the Amex network, extending Amex's role as the Official Payments Partner of the NFL.
Eighteen NFL teams have introduced team-branded versions of the card, which offers 3% rewards on NFL purchases and a $100 cash back welcome bonus after spending $500.
Bread Financial remains the issuer of the program, providing cardholders with access to American Express network benefits including presales and venue perks.
• 2mo ago AI analysis › Press Release
Bread Financial Provides Performance Update for July 2026
Bread Financial reported a 4.9% year-over-year increase in average credit card and other loans, reaching $18.45 billion for the month ended July 31, 2026.
Asset quality improved significantly, with the net principal loss rate falling to 6.80% from 7.63% in the prior-year period.
Delinquency rates also tightened to 5.35% compared to 5.82% in July 2025, indicating stronger credit performance across the portfolio.
• 2mo ago AI analysis › Press Release ⚠ 1
Bread Financial Provides Performance Update for June 2026
Bread Financial reported a 4.1% year-over-year increase in average credit card and other loans for June, reaching $18.36 billion on a monthly basis.
Credit quality metrics improved, with the 30+ day delinquency rate falling to 5.25% from 5.73% in the prior year.
The net principal loss rate stood at 6.88% for the month and 6.98% for the quarter, reflecting the company's ongoing credit performance.
• 3mo ago AI analysis › Press Release
Bread Financial Reports Second Quarter 2026 Results
Bread Financial announced that its second quarter 2026 financial results are now available on the company’s investor relations website.
President and CEO Ralph Andretta and CFO Perry Beberman will host a conference call at 8:30 a.m. ET today to discuss the results, with a replay available later.
The text of the release provides no specific financial figures or guidance, serving only as a notification of publication.
• 3mo ago AI analysis › Press Release
Bread Financial Declares Dividends on Preferred and Common Stock
Bread Financial's Board of Directors declared a quarterly cash dividend of $0.23 per share on its common stock.
Dividends were also declared on its preferred stock, with Series A paying $0.539 per depositary share and Series B paying $0.758 per depositary share.
All dividends are payable on September 15, 2026 to stockholders of record at the close of business on August 31, 2026.
• 3mo ago AI analysis › Press Release
Bread Financial Announces Executive Leadership Changes
Chief Commercial Officer Valerie Greer plans to retire in February 2027 to spend more time with family but will remain with the company to assist with the transition.
Dennis McCarthy, a company veteran since 2021, will succeed her as Executive Vice President and Chief Revenue Officer effective in early September.
McCarthy brings extensive experience from nearly a decade at Citi and previous leadership roles at Barclays and Bank of America to the expanded role.
• 3mo ago AI analysis › Press Release
Bread Financial Schedules Second Quarter 2026 Earnings Conference Call for Jul. 23
Bread Financial Holdings has scheduled its second quarter 2026 earnings conference call for July 23, 2026, at 8:30 a.m. ET.
The call will discuss the company’s Q2 results and include a webcast with accompanying slides available on the investor relations website.
This release serves only as a logistical notice; no financial figures or strategic updates are included.
• 3mo ago AI analysis › Press Release
Bread Financial Provides Performance Update for May 2026
Bread Financial reported May 2026 credit card and other loans of $18.36 billion, up 2.6% year-over-year from the average loan balance.
Net principal losses improved to $108 million (6.98% rate) from $120 million (7.97% rate) a year earlier, reflecting better credit quality.
Delinquency rates also declined to 5.24% from 5.71% in May 2025, with 30+ day delinquencies falling to $853 million from $926 million.
• 4mo ago AI analysis › Press Release
Bread Financial to Participate in the Morgan Stanley US Financials Conference
Bread Financial announced it will participate in the Morgan Stanley US Financials Conference on June 10, 2026.
EVP and CFO Perry Beberman will lead a fireside chat at 10:30 a.m. ET, which will be broadcast live and available for replay for 90 days.
The release contains no new financial results, guidance, or strategic announcements; it is a standard investor relations calendar update.
• 5mo ago AI analysis › Press Release
Bread Financial launches 2025 Sustainability Report
Bread Financial published its 13th annual Sustainability Report, highlighting progress in ESG priorities and operational excellence as it marks its 30th anniversary.
The report notes credit rating upgrades from Moody’s and Fitch, along with an 86% associate belonging score and a 14% year-over-year increase in volunteer hours.
The company contributed $14.1 million in charitable donations and increased paperless billing adoption by 7 percentage points, reinforcing its focus on digital innovation and community impact.
• 5mo ago AI analysis › Press Release
NYSE Content Update: Armada Raises $230 Million, Boosts Valuation to $2 Billion
prnewswire.com • 5mo ago Press Release
Bread Financial Provides Performance Update for April 2026
Bread Financial reported April 2026 credit card and other loans of $18.1 billion, up 2.0% year-over-year from the prior year average.
Net principal losses improved to $105 million (7.09% rate) from $114 million (7.85% rate) in April 2025, indicating stabilizing credit quality.
Delinquency rates also declined to 5.34% from 5.73% a year earlier, with 30+ day delinquencies falling to $859 million from $933 million.
• 5mo ago AI analysis › Press Release
Bread Financial Announces Pricing of an Offering of Depositary Shares Representing Interests in Its Series B Preferred Stock
Bread Financial priced an underwritten public offering of 4.8 million depositary shares, each representing a 1/40th interest in its 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B.
The offering is expected to generate approximately $115.3 million in net proceeds, which the company intends to use for general corporate purposes, including contributing capital to its subsidiary bank Comenity Capital Bank and share repurchases.
Morgan Stanley, RBC Capital Markets, UBS, Wells Fargo Securities, and Keefe, Bruyette & Woods are acting as joint bookrunners, with the deal expected to close on May 12, 2026.
• 5mo ago AI analysis › Press Release ⚠ 1
Bread Financial Announces Launch of an Offering of Depositary Shares Representing Interests in Its Series B Preferred Stock
Bread Financial launched an underwritten public offering of depositary shares, each representing a 1/40th interest in a share of its Series B Preferred Stock with a $25 liquidation preference.
The company intends to use the net proceeds for general corporate purposes, including potentially lending funds to its subsidiary Comenity Capital Bank and repurchasing shares.
Morgan Stanley, RBC Capital Markets, UBS, Wells Fargo Securities, and Keefe, Bruyette & Woods are acting as joint bookrunners for the offering.
• 5mo ago AI analysis › Press Release
Bread Financial Provides Performance Update for March 2026
Bread Financial reported its March 2026 performance update, revealing average credit card and other loans grew 1.3% year-over-year for the month and 0.7% for the quarter.
Credit quality metrics improved, with the 30+ day delinquency rate decreasing to 5.59% from 5.93% in the prior year.
Net principal losses for the month totaled $111 million, resulting in a net principal loss rate of 7.23%, while the three-month loss rate stood at 7.33%.
• 6mo ago AI analysis › Press Release
Bread Financial Reports First Quarter 2026 Results
Bread Financial announced its first quarter 2026 financial results, though specific figures were not included in the release text.
CEO Ralph Andretta and CFO Perry Beberman are scheduled to host a conference call at 8:30 a.m. ET to discuss the performance.
Investors are directed to the company's investor relations website to access the detailed earnings materials.
• 6mo ago AI analysis › Press Release
Bread Financial Declares Dividends on Preferred and Common Stock
Bread Financial's Board of Directors declared quarterly dividends on its Series A preferred stock and common stock for the second quarter of 2026.
The Series A preferred dividend is set at $21.56 per share, or $0.539 per depositary share, payable June 15 to holders of record May 29.
The common stock dividend was declared at $0.23 per share, also payable June 15 to shareholders of record May 29.
• 6mo ago AI analysis › 
