For Q3 FY2021 ended September 30, 2021, Bread Financial reported revenue of $1.10 billion, up 4.6% year-over-year. Net income was $181 million, a 31.2% increase, while operating income rose 31.5% to $382.8 million. Diluted EPS grew 49.3% to $4.15.
•Revenue increased 4.6% YoY to $1.10 billion.
•Net income rose 31.2% to $181 million.
•Operating income grew 31.5% to $382.8 million.
•Diluted EPS improved 49.3% to $4.15.
Informational summary based on SEC XBRL figures · generated by deepseek-v4-flash. Not investment advice.
Bread Financial provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs through Bread Pay partnerships.
It 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 provides marketing, and data and analytics services, as well as an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products
Promotes credit payment options earlier in the shopping experience. It also through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and digital payment products
Retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. Incorporated in 1995 and headquartered in Columbus, Ohio, Bread Financial was formerly known as Alliance Data Systems Corporation before rebranding in March 2022.
What does Bread Financial Holdings, Inc. (BFH) do?
Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. The company offers credit card and loan financing services, including risk management, underwriting, and funding for private label and co-brand credit card programs, as well as through Bread Pay partnerships. It manages and services loans for private label, co-brand, and general-purpose credit card programs, installment loans, and split-pay products. Additionally, Bread Financial provides marketing, data, and analytics services, and an enhanced digital suite that includes a unified software development kit. Through Bread Pay, a digital payments platform, it enables merchants to integrate online point-of-sale financing and digital payment products. The company also offers retail and deposit products, such as certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts.
Where is Bread Financial (BFH) listed and what currency does it trade in?
Bread Financial Holdings, Inc. is listed on the New York Stock Exchange (NYSE) under the ticker symbol BFH. The company trades in United States Dollars (USD), as it is headquartered in the United States and its primary operations are in North America. Being listed on the NYSE, one of the world's largest stock exchanges, provides liquidity and visibility to investors. The currency denomination in USD is typical for U.S.-based companies and facilitates trading for domestic and international investors.
What sector and industry does Bread Financial (BFH) operate in?
Bread Financial Holdings, Inc. operates in the Financial Services sector, specifically within the Credit Services industry. This industry includes companies that provide credit cards, loans, and other financing solutions to consumers and businesses. As a credit services provider, Bread Financial focuses on offering payment and lending solutions, risk management, underwriting, and funding services. Its operations involve managing credit card programs, installment loans, and digital payment platforms, which are typical activities for firms in this sector. The company's services cater to consumer-based industries in North America, helping merchants offer financing options to their customers.
Where is Bread Financial headquartered and what markets does it serve?
Bread Financial Holdings, Inc. is headquartered in Columbus, Ohio, United States. The company was incorporated in 1995 and was formerly known as Alliance Data Systems Corporation before rebranding to Bread Financial in March 2022. It serves customers and consumer-based industries across North America, including the United States and Canada. Its solutions are designed for merchants and partners looking to offer credit card programs, point-of-sale financing, and digital payment products. The company's geographic focus on North America allows it to tailor its services to the regulatory and market conditions of the region.
What are the main brands and products offered by Bread Financial (BFH)?
Bread Financial offers its products under several brands, including Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings. Key products include credit card and loan financing services for private label and co-brand credit card programs, as well as installment loans and split-pay products. Through Bread Pay, a digital payments platform, the company provides application programming interfaces (APIs) that allow merchants to integrate online point-of-sale financing and digital payment options. Additionally, Bread Financial offers retail and deposit products, primarily certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company also provides marketing, data, and analytics services to support its partners.