Company profile: Bread Financial
1.1 - Company Overview
Company description
- Provider of personalized payment, lending, and savings solutions, offering digitally enabled options including Bread Pay buy now, pay later installments; Bread Loans with fixed rates and no origination fees; the Bread Cashback American Express Credit Card; branded credit card programs; and a high-yield savings account with no monthly fees and FDIC insurance.
Products and services
- Branded Credit Cards: Delivers tailored, digitally enabled credit card programs for businesses, including private label and co-branded products, supporting flexible payment options for partners
- Bread Pay: Supplies a buy now, pay later, installment-based service allowing customers to make purchases and pay over time in installments through a flexible payment system
- Bread Loans: Produces personal loans for consolidating debt or covering expenses, offering fixed rates and no origination fees through a fixed-rate lending product
Key contacts
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Financial details
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1.2 - Competitors and similar companies to Bread Financial
Thought Machine
HQ: United Kingdom
Website
- Description: Provider of cloud-native core banking and payments platforms for banks. Offerings include Vault Core to run any financial product with flexible hosting/provider choices, Vault Payments to handle all payment types globally, a Product Library of 200+ preconfigured products, API-first integration with other vendors, a Smart Contracts system for quick product deployment, and microservices for scalable, highly available systems.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
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Orange Bank & Trust
HQ: United States
Website
- Description: Provider of commercial lending, wealth management, and banking services through Orange Bank & Trust Company and Hudson Valley Investment Advisors. Offers mortgages, home equity, personal and auto loans, lines of credit; investment advisory, financial planning, and asset management; savings, money market and CD accounts, cash management; CDARS with full FDIC coverage; and PPP loans and forgiveness for individuals and businesses in the Hudson Valley.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
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Encomia
HQ: United States
Website
- Description: Provider of electronic mortgage (eMortgage) solutions to depository and non-depository lending institutions.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
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Trinovus
HQ: United States
Website
- Description: Provider of technology solutions for the financial marketplace, offering software for compliance, stress testing, vendor management, and managing distressed assets.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
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CSI
HQ: United States
Website
- Description: Provider of innovative technology solutions for banks, financial institutions, and other businesses, including core banking software, digital banking solutions, managed cybersecurity and IT services, financial crimes prevention software, and advisory services in risk management and regulatory compliance.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
View full CSI company profile →
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2.M&A buyers
2.1 Potential strategic acquirers in the sector
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2.2 - Strategic buyer groups for Bread Financial
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Buyer group 2: ████████ ████████
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Buyer group 3: ████████ ████████
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Key Products: ████████, ████████, ████████, ████████
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3. Investors and private equity firms
3.1 - Buyout funds investing in similar companies to Bread Financial
2.2 - Growth funds investing in similar companies to Bread Financial
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4 - Top valuation comps for Bread Financial
4.2 - Public trading comparable groups for Bread Financial
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