BFH

Bread Financial Holdings, Inc. (NYSE:BFH) is a Columbus, Ohio-based financial services company that was founded in 1996 and originally operated as Alliance Data Systems Corporation before rebranding in March 2022. The company has evolved from a traditional data services provider into a technology-forward payment and lending solutions company specializing in private label and co-brand credit card programs. Through its transformation, Bread Financial has positioned itself as a key partner to retailers and merchants, providing comprehensive credit services that help drive customer loyalty and sales for approximately 130 private label and co-brand credit card programs across North America.