BFH

Bread Financial Holdings, Inc.

A financial services company that issues co-brand and private-label credit cards for dozens of brands, including Ulta Beauty, the NFL, and Dell, through its two banks, Comenity Bank and Comenity Capital Bank, plus installment loans and savings accounts. Founded in 1996 as Alliance Data Systems from the merger of J.C. Penney's credit card unit and The Limited's credit card bank, it renamed itself Bread Financial in 2022 after acquiring Bread, a buy-now-pay-later startup.