Xcout IntelBread Financial Holdings, Inc. competitors & alternatives
The 12 closest competitors and alternatives to Bread Financial Holdings, Inc. among fintech companies — ranked by similarity to what Bread Financial Holdings, Inc. actually does, not by market-cap band.
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About Bread Financial Holdings, Inc.
Bread Financial Holdings, Inc. offers cutting-edge payment and credit solutions to consumers and various industries throughout North America. Their services include comprehensive financing for credit cards and other loans, which involves managing risk, originating accounts, and providing funding for approximately 130 private label and co-branded credit card programs. They also support around 500 small and medium-sized businesses through their Bread partnerships and issue Comenity-branded general purpose cash-back credit cards. The company is responsible for administering and overseeing all loans it generates, covering private label, co-brand, and general-purpose credit card portfolios, as well as its Bread BNPL (Buy Now Pay Later) products, which include installment and split-pay options. Beyond lending, they provide marketing, data, and analytics services. Their enhanced digital toolkit features a unified Software Development Kit (SDK), allowing seamless integration with their product range and encouraging the presentation of credit payment choices earlier in the retail journey. Additionally, the Bread digital payments platform, powered by a comprehensive suite of application programming interfaces (APIs), empowers merchants and partners to readily incorporate online point-of-sale financing, such as installment and split-pay solutions. Established in Columbus, Ohio in 1996, the company was formerly known as Alliance Data Systems Corporation until it rebranded as Bread Financial Holdings, Inc. in March 2022.
Bread Financial Holdings, Inc. at a glance
Bread Financial Holdings, Inc. is a fintech company headquartered in Columbus, United States. It is publicly listed (BFH) with a market capitalisation of $3.9B. Xcout tracks 19 named people at Bread Financial Holdings, Inc., including Ralph J. Andretta (President, Chief Executive Officer & Director). Xcout recorded 1 job posting from Bread Financial Holdings, Inc. in the last 90 days.
Bread Financial Holdings, Inc. leadership
- Ralph J. AndrettaPresident, Chief Executive Officer & Director
- Perry S. BebermanExecutive Vice President & Chief Financial Officer
- Allegra DriscollExecutive Vice President & Chief Technology Officer
- Valerie E. GreerExecutive Vice President & Chief Commercial Officer
- Joseph L. MotesExecutive VP, Chief Legal and Administrative Officer & Secretary
- Tammy Michelle McConnaugheyExecutive Vice President and Chief Credit Risk & Operations Officer
13 more named people on record for Bread Financial Holdings, Inc., with roles, board committees and tenure — see the full roster →
Hiring at Bread Financial Holdings, Inc.
Xcout recorded 1 job posting from Bread Financial Holdings, Inc. in the last 90 days, from a hiring record Xcout has kept since June 2026.
The weekly hiring trend, the roles and locations behind it — see Bread Financial Holdings, Inc.'s hiring signals →
Top 12 Bread Financial Holdings, Inc. competitors
Ranked by semantic similarity — how close each company is to Bread Financial Holdings, Inc. by what it does, using Xcout's live company graph. Click any company for its full profile, or its competitor set.
Similar fintech company
Affirm Holdings, Inc. provides a digital and mobile-first commerce platform that operates across the United States and Canada. This platform offers consumers a point-of-sale financing solution, delivers various tools for merchants, and includes a dedicated mobile application for users. Leveraging its payment network and partnerships with originating banks, the company enables customers to spread the cost of their purchases over time, with payment terms ranging from a single month up to forty-eight months. By June 30, 2021, approximately 29,000 merchants had integrated Affirm's services, representing a diverse array of businesses from small enterprises and large corporations to direct-to-consumer brands and traditional physical stores. These businesses span numerous industries, including sporting goods, home furnishings, travel, apparel, accessories, consumer electronics, and jewelry. Affirm was founded in 2012 and is based in San Francisco, California.
Similar fintech company
Payment Financial Technologies Ltd., an Israeli firm, manages a proprietary payment platform. This system facilitates the distribution of retail credit to consumers through various businesses. Established in 2014, the company's headquarters are situated in Omer, Israel.
Financial Services
Credsystem is a Brazilian financial services company that provides credit solutions, private label credit cards, and payment services for retailers and consumers.
Banking
FortBrasil Administradora de Cartões de Crédito S.A. is a Brazilian financial-services company that administers private-label and co-branded credit cards and related consumer-credit products. It serves consumers through retail and commercial partners, providing merchants with card, payments, and credit solutions.
Financial Services
QuickFee Limited delivers a variety of financial products and lending options to professional, commercial, and personal service providers in both Australia and the United States, all facilitated through an online platform. The company's flagship product, QuickFee, is an internet-based payment and financing solution designed to enable businesses to accept client payments via credit card, electronic funds transfer (EFT/ACH), flexible payment plans, or Buy Now, Pay Later (BNPL) installments. QuickFee Limited was established in 2009 and its corporate base is located in Baulkham Hills, Australia.
Similar fintech company
Zip Co Limited delivers digital financial and payment solutions to a diverse client base, including individual consumers and small-to-medium sized businesses (SMEs). Its extensive global presence spans Australia, Canada, the Czech Republic, Mexico, New Zealand, Poland, Saudi Arabia, Singapore, South Africa, Turkey, the United Arab Emirates, the United Kingdom, and the United States. The company's operations are organized into five primary segments: APAC, Americas, EMEA, Zip Business, and Corporate. For SMEs, Zip Co offers unsecured loans and revolving lines of credit. Consumers, on the other hand, benefit from its Buy Now Pay Later (BNPL) services, providing credit lines and installment payment options for both online and brick-and-mortar transactions. Founded in 2009, the Sydney, Australia-headquartered firm was originally named ZipMoney Limited before adopting its current designation in December 2017.
Similar fintech company
This financial institution specializes in providing a range of monetary services, encompassing personal loans, vehicle financing, and credit card options. Customers can access their offerings through diverse channels, including digital platforms, over the phone, or by visiting their physical retail locations. The company's operations span 24 states across the United States, with its footprint reaching areas such as Arkansas, Delaware, Indiana, Kentucky, Mississippi, Montana, North Dakota, New Hampshire, Oregon, South Carolina, South Dakota, and Virginia. Founded in 2005, its corporate headquarters are located in San Carlos, California.
Similar fintech company
Enova International is a financial technology company that provides online financial services and credit products to non-prime consumers and small businesses. Utilizing its proprietary machine learning-powered Colossus platform, the company also offers technology services to traditional banks to help expand access to credit.
Similar fintech company
PROG Holdings, Inc. functions as a multi-channel financial services firm, specializing in lease-to-own programs for individuals with limited credit access or those traditionally considered underserved. The company's operations are divided into two distinct segments. The Progressive Leasing division provides customers with rent-to-own options for a diverse array of merchandise, such as furniture, household appliances, electronic gadgets, jewelry, mobile phones and their accessories, mattresses, and automobile electronics and fittings. These services are delivered through various touchpoints, including in-store, mobile, and online channels, often in collaboration with point-of-sale and e-commerce retail partners. Meanwhile, the Vive segment extends "second-chance" and revolving credit solutions, utilizing both its own and co-branded credit cards. These offerings are specifically tailored for consumers who might not qualify for conventional prime credit facilities. Across 49 U.S. states and the District of Columbia, PROG Holdings' lease-purchase solutions are made available through a vast network of approximately 24,000 third-party retail partner locations and their corresponding e-commerce platforms. Founded in 1955 and based in Draper, Utah, the company underwent a name change from Aaron's Holdings Company, Inc. to PROG Holdings, Inc. in December 2020.
Similar fintech company
Splitit is a financial services company that provides card-linked installment payment solutions. Having previously operated in Israel and New York, it shifted its global headquarters to Atlanta, Georgia.
Similar fintech company
Cross River develops technology infrastructure for real-time financial solutions, including payments, credit cards, and loans. The company provides secure and scalable financial platforms that serve consumers, small businesses, and global enterprises.
Similar fintech company
Mercury Financial is a U.S. fintech that provides consumer credit products, including credit cards, aimed primarily at people building or rebuilding their credit. It also offers tools and resources intended to help customers manage credit and improve their financial health.
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