Business
Bread Financial provides private-label and co-brand credit cards, pay-over-time products, and related consumer-credit services through brand partners and bank subsidiaries.
Bread Financial lifted net income and cash from ops, reduced debt, and stepped up repurchases.
The read at a glance✓ Audited against SEC data
- Business mix — Private-label, co-brand, and pay-over-time creditNote
- Income — Net income up 87.0%OK
- Cash — Cash from ops up 12.5%OK
- Debt — Long-term debt down 22.5%OK
- Capital — Repurchases rose to $313MOK
- Insiders — 1 purchase / 1 saleNote
- Accounting — Altman-Z, Beneish-M, and earnings-quality unavailableNote
Leadership changes
From BREAD FINANCIAL HOLDINGS, INC.'s own filings, the day they're filed.
- Praniti Lakhwara · director · appointmenteff. 2024-06-10
- Joyce St · director · appointmenteff. 2023-07-10
- Valerie Greer · Chief Commercial Officer · departure
Latest filings
- 8-K · Company announcement2026-08-17
- 10-Q · Quarterly report2026-07-28
- 8-K · Company announcement2026-07-23
- 8-K · Company announcement2026-07-23
- 8-K · Company announcement2026-07-14
In the full recordFree for 14 days
- What changed🔒
- Insider signal🔒
- Growth quality🔒
- Margins & accounting🔒
- Capital allocation🔒
- Real risks🔒
- The long arc🔒
- Company history🔒
- Main tension🔒
- The filings, readable — with what changed vs the prior year highlighted🔒
- Full financial statements, industry-aware, sources cited throughout🔒
- Forensic score history & components — the trend, not one year🔒
- Ownership: insider buys/sells, clusters, activist stakes🔒
- Ana — ask about BREAD FINANCIAL HOLDINGS, INC., every answer cited to the official filings🔒
Every figure comes from the company's filings, and analysis whose figures don't match SEC data is rejected before publication.
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