Bread Financial Holdings Inc

Bread Financial Holdings, Inc. (NYSE: BFH) is a tech-forward financial services company providing simple, personalized payment, lending, and saving solutions to millions of U.S. consumers. The company offers co-brand and private label credit cards and pay-over-time products that deliver growth for recognized brands across travel & entertainment, health & beauty, technology, electronics, jewelry, home, specialty apparel, and sporting goods verticals. It also offers Bread Financial general purpose credit cards and consumer savings products (deposits). The company operates through its banking subsidiaries, Comenity Bank and Comenity Capital Bank, which were merged into a single entity in October 2026. Bread Financial's business model centers on partnering with major retail brands to provide customized credit programs, generating revenue primarily through net interest income on its credit card and other loan portfolio, which totaled $18.9 billion at the end of Q3 2026. Consumer deposits of $9.9 billion represent a growing core funding source. The company celebrates 30 years of operations in 2026. Updated Oct 22, 2026