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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
9/30/202412/31/2023YesYes--Yes

Industries
SIC Code Description
7389 Business services, not elsewhere classified
6141 Personal credit institutions
6153 Short-term business credit institutions, except agricultural
6099 Functions related to depository banking, not elsewhere classified
8742 Management consulting services
7375 Information retrieval services

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
Non-Executive Independent Chairman of the Board Roger H.Ballou 73 6/2/2020 2/1/2001
President, Chief Executive Officer, Director Ralph J.Andretta 63 2/3/2020 2/3/2020
Chief Financial Officer, Executive Vice President Perry S.Beberman 58 7/6/2021 7/6/2021
9 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: 49,715,062 (As of 10/25/2024)
Shareholders: 93
Stock Exchange: NYSE
Federal Tax Id: 311429215
Fax Number: (302) 655-5049
Email Address: IR@alliancedatasystems.com


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Friday, November 22, 2024