(BFH) Bread Financial Holdings - Ratings and Ratios

Bread Financial Holdings, Inc. operates as a provider of tech-enabled payment and lending solutions, catering to a wide range of customers and industries in North America. The company's product portfolio includes credit card and loan financing services, such as risk management, account origination, and funding services for private label and co-brand credit card programs. Additionally, it offers Comenity-branded general-purpose cash-back credit cards, allowing consumers to earn rewards on their purchases. Through its partnerships and proprietary platforms, Bread Financial Holdings manages and services loans for various credit card programs, including private label, co-brand, and general-purpose credit cards, as well as installment loans and split-pay products.

The company's service offerings extend beyond lending, with a focus on providing marketing, data, and analytics services to its clients. By leveraging its expertise in data analysis, Bread Financial Holdings helps its partners optimize their marketing strategies and improve customer engagement. Furthermore, the company has developed an enhanced digital suite, which includes a unified software development kit, enabling seamless integration with its suite of products. This allows merchants to promote credit payment options earlier in the shopping experience, enhancing the overall customer experience. The digital suite is designed to be flexible and adaptable, supporting a wide range of merchant and partner needs.

Through its Bread platform, the company provides a robust suite of application programming interfaces (APIs), enabling merchants and partners to integrate online point-of-sale financing and other digital payment products. This allows for a more streamlined and efficient payment process, reducing friction and improving conversion rates. The company's products are offered under several brands, including Bread Cashback, Bread Pay, and Bread Savings, each designed to meet specific customer needs and preferences. With a history dating back to 1995, Bread Financial Holdings, Inc. has established itself as a leading player in the consumer finance industry, with its headquarters located in Columbus, Ohio.

As a publicly traded company, Bread Financial Holdings, Inc. is listed on the New York Stock Exchange (NYSE) under the ticker symbol BFH, with its common stock classified under the GICS Sub Industry of Consumer Finance. The company's web presence can be found at https://www.breadfinancial.com, providing investors and customers with access to a wealth of information on its products, services, and corporate activities. With an ISIN of US0185811082, Bread Financial Holdings, Inc. is committed to delivering innovative payment and lending solutions, driving growth and profitability in the consumer finance sector.