BFH

Bread Financial Holdings Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services including risk management solutions account origination and funding services for private label and co-brand credit card programs as well as through Bread partnerships; and Comenity-branded general purpose cash-back credit. The company also manages and services the loans it originates for private label co-brand and general-purpose credit card programs and installment loans and split-pay products; and provides marketing and data and analytics services. In addition it offers an enhanced digital suite that includes a unified software development kit which provides access to its suite of products as well as promotes credit payment options earlier in the shopping experience. Further the company through Bread a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. It offers its products under the Bread CashbackTM Bread PayTM and Bread SavingsTM brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings Inc. in March 2022. Bread Financial Holdings Inc. was incorporated in 1995 and is headquartered in Columbus Ohio.