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Bread Financial Holdings, Inc. (0HCR.L)

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38.37+0.62 (+1.64%)
At close: 03:51PM GMT

Bread Financial Holdings, Inc.

3095 Loyalty Circle
Columbus, OH 43219
United States
614 729 4000

Full-time employees6,000

Key executives

NameTitlePayExercisedYear born
Mr. Ralph J. AndrettaCEO, Pres & Director3.28MN/A1961
Mr. Perry S. BebermanExec. VP & CFO1.9MN/A1966
Ms. Tammy Michelle McConnaugheyExec. VP of Operations & Credit Risk1.36MN/A1974
Mr. Joseph L. Motes IIIExec. VP, Chief Admin. Officer, Gen. Counsel & Sec.1.59MN/A1962
Ms. Valerie E. GreerExec. VP & Chief Commercial Officer1.86MN/A1966
Mr. Jonathan Bryan CampbellSr. VP & Chief Accounting OfficerN/AN/A1973
Matt BrownSr. VP & CTON/AN/AN/A
Mr. Brian VerebHead of Investor RelationsN/AN/AN/A
Brandy SullivanSr. VP, Chief People and Culture OfficerN/AN/AN/A
Mr. Greg BetchkalChief Risk OfficerN/AN/AN/A
Amounts are as of 31 December 2021, and compensation values are for the last fiscal year ending on that date. Pay includes salary, bonuses, etc. Exercised is the value of options exercised during the fiscal year. Currency in USD.


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 approximately 130 private label and co-brand credit card programs, as well as through Bread partnerships to approximately 500 small-and medium-sized businesses merchants; 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 Bread BNPL (installment loans, 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, including installment and split-pay solutions. 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 founded in 1996 and is headquartered in Columbus, Ohio.

Corporate governance

Bread Financial Holdings, Inc.’s ISS governance QualityScore as of 1 October 2022 is 1. The pillar scores are Audit: 1; Board: 1; Shareholder rights: 1; Compensation: 5.

Corporate governance scores courtesy of Institutional Shareholder Services (ISS). Scores indicate decile rank relative to index or region. A decile score of 1 indicates lower governance risk, while 10 indicates higher governance risk.