Overview
Bread
Bread Financial is a leading provider of simple, personalized payment, lending and saving solutions. Its partner base of more than 1,100 companies and online merchants consists of large consumer-based businesses, including well-known brands such as Academy Sports + Outdoors, Caesars, Dell Technologies, the NFL, Signet, Ulta and Victoria's Secret, as well as small- and medium-sized businesses. Through omnichannel touch points and a comprehensive product
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Read More suite that includes credit card products and Bread digital payment solutions, the company helps its partners drive revenue growth and customer loyalty, while giving customers greater payment choices. It also offers credit and savings products directly to consumers through its proprietary products, including its Comenity-branded financial services.
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Read More suite that includes credit card products and Bread digital payment solutions, the company helps its partners drive revenue growth and customer loyalty, while giving customers greater payment choices. It also offers credit and savings products directly to consumers through its proprietary products, including its Comenity-branded financial services.
Read Less
#
631
Fortune 1000 Revenue Rank
RALPH J ANDRETTA
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Activities Related to Credit Intermediation
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Credit Intermediation and Related Activities
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Finance and Insurance
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Credit card service
Agencies, Brokerages, and Other Insurance Related Activities
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Depository Credit Intermediation
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Insurance Carriers
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Insurance and Employee Benefit Funds
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Monetary Authorities-Central Bank
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Nondepository Credit Intermediation
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Other Financial Investment Activities
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Other Investment Pools and Funds
View more , Securities and Commodity Contracts Intermediation and Brokerage Securities and Commodity Exchanges
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View more , Securities and Commodity Contracts Intermediation and Brokerage Securities and Commodity Exchanges
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Actual
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Actual
$4.80 billion
Actual
-10.64%
-61.42%
$22,891
DEC
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NYSE:BFH
Contacts
Get in Touch with 5 Principals* and 2,373 Contacts
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RALPH J ANDRETTAPresident and Chief Executive Officer
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Contact 2?
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Contact 3?
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Contact 4?
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Financial Statements
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Financial data as of December 31, 2024 (12 month period) in USD
Annual Revenue 2024
$4.80 billion
USD
Actual
All financial statement data is in millions except per share data | Source: Morningstar
| Cash Flow (mil) | 2024 | 2023 | 2022 |
|---|---|---|---|
| Net Operating Cash | $1,859 | $1,987 | $1,848 |
| Net Investing Cash | -$1,169 | $788 | -$5,111 |
| Net Financing Cash | -$592 | -$3,086 | $3,267 |
| Net Change in Cash | $98 | -$311 | $4 |
| Cash at Beginning of Period | $3,616 | $3,927 | $3,923 |
| Cash at End of Period | $3,714 | $3,616 | $3,927 |
| Capital Expenditure | $ | $ | -$68 |
| Assets (mil) | 2024 | 2023 | 2022 |
|---|---|---|---|
| Current Assets | |||
| Cash and Cash Equivalents | $3,679 | $3,590 | $3,891 |
| Accounts Receivable | $145 | $144 | $164 |
| Inventories | $ | $ | $ |
| Other Current Assets | $ | $ | $ |
| Asset Summary | |||
| Total Current Assets | $ | $ | $ |
| Tangible Fixed Assets | $229 | $265 | $283 |
| Intangible Assets | $112 | $128 | $165 |
| Total Assets | $22,891 | $23,141 | $25,407 |
| Liabilities (mil) | 2024 | 2023 | 2022 |
|---|---|---|---|
| Current Liabilities | |||
| Accounts Payable | $326 | $422 | $398 |
| Short-Term Debt | $ | $ | $ |
| Other Current Liabilities | $ | $ | $ |
| Liability Summary | |||
| Total Current Liabilities | $ | $ | $ |
| Long-Term Debt | $5,557 | $5,292 | $8,007 |
| Other Long-Term Liabilities | $ | $ | $ |
| Total Liabilities | $19,840 | $20,223 | $23,142 |
| Stakeholder's Equity (mil) | 2024 | 2023 | 2022 |
|---|---|---|---|
| Equity | |||
| Common Stock | $1 | $1 | $1 |
| Retained Earnings | $999 | $767 | $93 |
| Equity Summary | |||
| Total Equity | $3,051 | $2,918 | $2,265 |
| Shares Outstanding | 49,100,000 | 49,300,000 | 49,900,000 |