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Bread Financial Holdings, Inc. is a U.S.-based financial services company specializing in private label and co-brand credit card programs, direct-to-consumer credit cards, pay-over-time installment loans, and savings products. Serving millions of consumers and partnering with major retailers across diverse industries, it offers tailored credit and payment solutions supported by data analytics, risk management, and digital platforms. Its business model centers on lending revenue, long-term brand partnerships, and integrated financial technology.
This description was generated via AI from an annual report. Updated about 1 year ago.