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Bread Financial Holdings Inc
3095 LOYALTY CIRCLE
Phone: (614) 729-4000p:614 729-4000 COLUMBUS, OH  43219  United States Ticker: BFHBFH

Business Summary
Bread Financial Holdings, Inc. is a tech-forward financial services company. The Company is engaged in providing simple, personalized payment, lending, and saving solutions. The Company through its data insights and white-label technology, it delivers a comprehensive product suite, including private label and co-brand credit cards and buy now, pay later products (split-pay). It also offers direct-to-consumer solutions that give customers more access, and freedom through its branded Bread Cashback American Express Credit Card and Bread Savings products. The Company offers both direct-to-consumer retail deposit products as well as deposits sourced through contractual arrangements with various financial counterparties (often referred to as wholesale deposits). Its products are supported by various services and capabilities, including risk management, account origination and funding services; loan processing and servicing; marketing and data and analytics; and its Enhanced Digital Suite.

Scores and Ratings
FRISK®
Score
Z''
Score
PAYCE®
Score
DBT
Index
Moody's
Rating
Fitch
Rating
DBRS
Rating
Yes--YesYes--

Financials, News and Filings
Latest
Statement
Last
Audit

News
SEC
Filings
Bankruptcy
Filings
Suit &
Judgment
Filings
Tax
Lien
Filings
12/31/202312/31/2023YesYes--Yes

Officers and Directors

Title

Name

Age
Title
Date
Start
Date
Non-Executive Independent Chairman of the Board Roger H.Ballou 72 6/2/2020 2/1/2001
President, Chief Executive Officer, Director Ralph J.Andretta 62 2/3/2020 2/3/2020
Chief Financial Officer, Executive Vice President Perry S.Beberman 57 7/6/2021 7/6/2021
8 additional Officers and Directors records available in full report.

Subsidiaries
Business Name Address City State/Province Country
Fastclick Inc. 360 Olive Street Santa Barbara CA United States
Commission Junction LLC 530 East Montecito Street Santa Barbara CA United States
Comenity Bank One Righter Parkway Wilmington DE United States
8 additional Subsidiary records available in full report.

Business Names
Business Name
ADS
ADS Card Services Foreign Holdings B.V.
ADS:US
56 additional Business Names available in full report.

General Information
Number of Employees: 7,000 (As of 12/31/2023)
Outstanding Shares: 49,424,247 (As of 2/12/2024)
Shareholders: 93
Stock Exchange: NYSE
Federal Tax Id: 311429215
Fax Number: (302) 655-5049
Email Address: IR@alliancedatasystems.com


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Thursday, March 28, 2024