Bread Financial™
Columbus, Ohio, United States · Banking, Finance, Financial Services
Bread Financial is a leading provider of simple, personalized payment, lending, and saving solutions. We create opportunities for our customers and partners through digitally enabled choices that offer ease, empowerment, and financial flexibility.
Key facts
- Headquarters
- Columbus, Ohio, United States
- Employees
- 6,000
- Industries
- Banking, Finance, Financial Services
- Status
- Public (BFH)
- Website
- breadfinancial.com
- Company page
Recent activity at Bread Financial™
- : SEC 8-K (8.01):
- : Bread Financial Holdings Secures Funding Through Underwriting Agreement
- : SEC 8-K (8.01): On October 27, 2026, Bread Financial Holdings, Inc. announced the pricing of an underwritten public offering of 5,000,000 depositary shares, each representing a 1/40th interest in a share of its 9.375% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series C. The offering has a liquidation preference of $25 per Depositary Share and the company has granted underwriters an option to purchase an additional 750,000 shares at the same price for 30 days post-offer. The net proceeds will be used for general corporate purposes, potentially including contributions to Comenity Capital Bank and share repurchases. This offering is part of a registered transaction under the Securities Act of 1933, demonstrating the company's strategy to enhance its financial position.
- : SEC 8-K (8.01): On October 27, 2026, Bread Financial Holdings, Inc. announced the launch of a public offering of depositary shares representing a 1/40th interest in a share of its Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series C, with a liquidation preference of $25 per Depositary Share. The company plans to utilize the net proceeds from this offering for general corporate purposes, which may include funding its subsidiary Comenity Capital Bank and share repurchases. The offering is contingent upon market and other conditions, and this announcement does not constitute an offer to sell or solicit offers to buy the securities in jurisdictions where it would be unlawful.
- : SEC 8-K (8.01): On October 22, 2026, Bread Financial Holdings, Inc. announced via press release that the Board of Directors has declared quarterly cash dividends. These include $21.56 per share for its 8.625% Non-Cumulative Perpetual Preferred Stock, Series A, and $22.19 per share for its 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B, both payable on December 15, 2026, to preferred stockholders of record at the close of business on November 30, 2026. Furthermore, a cash dividend of $0.25 per share of common stock was also declared, with the same payment details. This announcement is significant as it reflects the company's commitment to returning value to its shareholders and maintaining its dividend policy amid operational performance transparency.
- : SEC 8-K (7.01): On October 22, 2026, Bread Financial Holdings, Inc. issued a press release as part of a Regulation FD disclosure, providing a performance update for the period ended September 30, 2026. This press release details the company's financial performance and operational metrics up to the end of the third quarter of 2026. The information disclosed is significant for investors as it reflects the company's current financial health and management's perspective on performance trends. The press release is attached as Exhibit 99.1, emphasizing transparency with shareholders and potential implications for future market performance.
- : Bread Financial Partners with Signet Jewelers to Enhance Credit Programs and Capabilities.
- : SEC 8-K (7.01): On September 15, 2026, Bread Financial Holdings, Inc. issued a press release as a Regulation FD disclosure providing a performance update for the period ended August 31, 2026. This update includes key financial metrics and operational insights reflecting the company's performance over the month. The information shared may impact investors' perspectives on the company's current standing and future growth potential. The press release is attached as Exhibit 99.1.
- : SEC 8-K (1.01): On September 3, 2026, Bread Financial Holdings, Inc. entered into Amendment No. 2 to its Credit Agreement with JPMorgan Chase Bank, N.A. and certain subsidiaries, amending the existing $700 million senior unsecured revolving credit facility. This amendment permits the upcoming merger of Comenity Bank with Comenity Capital Bank, scheduled for around October 1, 2026, as an exception to certain covenants in the Credit Agreement. The merger has received all necessary regulatory approvals as of July 31, 2026, and is not expected to significantly impact the Company's financial position or operations. The terms of the revolving credit facility will remain otherwise unchanged unless expressly modified by the Amendment.
- : SEC 8-K (7.01): On August 17, 2026, Bread Financial Holdings, Inc. issued a Regulation FD disclosure in the form of a press release providing a performance update for the period ended July 31, 2026. This update includes financial performance metrics and strategic insights that are significant for stakeholders. The press release is attached as Exhibit 99.1, highlighting the company's operational status as it approaches its fiscal year end. The disclosure is important for investors analyzing the financial health and future outlook of Bread Financial Holdings.
Bread Financial™ funding history
| Date | Round | Amount |
|---|---|---|
| Nov 2026 | Series C | $5.8M |
| May 2026 | Post-IPO Equity | $115.3M |
| Dec 2020 | Venture | $157.0M |
Leadership
- Dilip Pattanayak, Director Model Validation
- Ralph Andretta, Executive Officer, Director
- Roger Ballou, Director
- John Jr., Director
- Rajesh Natarajan, Director
- Timothy Theriault, Director
- Laurie Tucker, Director
- Sharen Turney, Director
- Kristy Mickelson, VP Talent Acquisition, Experience, Inclusion & Belonging
- Allegra Driscoll, Chief Technology Officer
- Charles Horn, Executive Officer
- Timothy King, Executive Officer
Verified email and direct lines for Bread Financial™’s decision-makers are on Fundz. See plans — or book a 15-minute walkthrough.
Bread Financial™ in the news
- Modern consumers favor convenience and social media hype when spending - Bread Financial Newsroom (Mar 26, 2024)
- Ford and Bread Financial® accelerate customer benefits with new financing program - Bread Financial Newsroom (Mar 10, 2026)
- Bread Financial® now offering Bread Pay® installment loans through PayTomorrow platform - Bread Financial Newsroom (May 07, 2024)
- Switching to Bread Pay® from Klarna has unlocked higher tender share and AOV - Bread Financial Newsroom (Jan 05, 2023)
- Bread Financial® signs long-term agreement to provide dual credit card program for Saks Fifth Avenue and Saks OFF 5TH - Bread Financial Newsroom (Jun 12, 2024)
- Hard Rock International announces Unity™ by Hard Rock Mastercard® for loyalty program members - Bread Financial Newsroom (Dec 05, 2024)
- Crypto.com Selects Bread Financial to Launch New Crypto-based Rewards Credit Card Program in the U.S. - Crypto.com (Apr 24, 2025)
- Bread Financial™ and Victoria’s Secret Launch New Co-Brand Mastercard®, Renew Long-Standing Partnership - Business Wire (Mar 29, 2022)
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About Bread Financial™: questions and answers
What does Bread Financial™ do?
Bread Financial is a leading provider of simple, personalized payment, lending, and saving solutions. We create opportunities for our customers and partners through digitally enabled choices that offer ease, empowerment, and financial flexibility.
Where is Bread Financial™ headquartered?
Bread Financial™ is headquartered in Columbus, Ohio, United States.
How many employees does Bread Financial™ have?
Bread Financial™ has about 6,000 employees.
Has Bread Financial™ raised funding?
Yes. Fundz has recorded 3 funding events for Bread Financial™. The most recent, Series C of $5.8M, was in Nov 2026.
What is the latest news on Bread Financial™?
On Nov 03, 2026, SEC 8-K (8.01):
Is Bread Financial™ a public company?
Yes. Bread Financial™ is publicly traded under the ticker BFH.
Source: Fundz records from SEC filings, press releases and company announcements. How Fundz measures data accuracy