Company overview
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, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings 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.
Daily valuation snapshot
These values come from the daily market snapshot dated 2026-10-08. TTM means trailing twelve months. Use the market date when comparing BFH with another company.
| Daily close (USD) | $100.73 |
| Market capitalization (USD) | $3,869,972,865.64 |
| Price / earnings (TTM) | 6.81 |
| Price / book | 1.15 |
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Company size
Bread Financial Holdings, Inc.'s recorded market capitalization is $3,869,972,865.64. It measures the market value of the company's equity, rather than its revenue or cash balance.
Price relative to earnings
BFH's recorded P/E is 6.81: about $6.81 of share price for each $1 of trailing annual earnings per share. Compare that multiple with earnings growth and companies in the same business.
Price relative to book equity
BFH's recorded price-to-book ratio is 1.15. That compares its market equity value with recorded book equity. Examine its business and balance sheet to understand why those values differ.
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