Bread Financial Sustainability Profile
Bread Financial, headquartered in the United States, is a prominent player in the financial services industry, specialising in digital payment solutions and consumer financing. Founded in 2007, the company has established itself as a leader in providing innovative credit products and services that cater to a diverse range of consumers and businesses. With a focus on enhancing the customer experience, Bread Financial offers unique solutions such as flexible payment plans and tailored financing options. These services are designed to empower consumers while driving growth for merchants across various sectors. The company has achieved significant milestones, positioning itself as a trusted partner in the evolving landscape of digital finance. Through its commitment to technology and customer-centric solutions, Bread Financial continues to redefine the way consumers engage with credit.
DitchCarbon Score
How does Bread Financial's carbon action stack up? DitchCarbon scores companies based on their carbon action and commitment to reducing emissions. Read about our methodology to learn more.
Industry Average
Mean score of companies in the Services Auxiliary to Financial Intermediation industry. Comparing a company's score to the industry average can give you a sense of how well the company is doing compared to its peers.
Industry Benchmark
Bread Financial's score of 70 is higher than 83% of the industry. This can give you a sense of how well the company is doing compared to its peers.
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Bread Financial's reported carbon emissions
In 2024, Bread Financial reported total carbon emissions of approximately 96,409,000 kg CO2e, with Scope 1 emissions at about 933,000 kg CO2e, Scope 2 emissions at approximately 2,250,000 kg CO2e, and a significant contribution from Scope 3 emissions, which totalled around 93,226,000 kg CO2e. This marks a reduction from 2023, where total emissions were about 154,806,000 kg CO2e, with Scope 1 at approximately 1,147,000 kg CO2e, Scope 2 at about 3,919,000 kg CO2e, and Scope 3 at around 149,740,000 kg CO2e. Bread Financial has set ambitious climate commitments, aiming for carbon neutrality by 2025 for both Scope 1 and Scope 2 emissions. Additionally, the company targets a 30% reduction in Scope 1 emissions from a 2021 baseline by 2030 and a similar 30% reduction for Scope 2 emissions. Furthermore, they have established a more aggressive target to reduce Scope 1 emissions by 55% and Scope 2 emissions by 55% by 2030, using 2022 as the baseline year. These commitments reflect Bread Financial's proactive approach to addressing climate change and reducing its carbon footprint, aligning with industry standards for sustainability and emissions reduction.
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| 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Scope 1 | 2,331,000 | 0,000,000 | 0,000,000 | 0,000,000 | 0,000,000 | 0,000,000 | 0,000,000 | 0,000,000 | 0,000,000 | 0,000,000 | 0,000,000 | 0,000,000 | 000,000 |
| Scope 2 | 66,645,000 | 00,000,000 | 00,000,000 | 00,000,000 | 00,000,000 | 00,000,000 | 00,000,000 | 00,000,000 | 00,000,000 | 00,000,000 | 0,000,000 | 0,000,000 | 0,000,000 |
| Scope 3 | 64,873,000 | 00,000,000 | 000,000,000 | 000,000,000 | 000,000,000 | 00,000,000 | 00,000,000 | 00,000,000 | 00,000,000 | 000,000,000 | 000,000,000 | 000,000,000 | 00,000,000 |
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Bread Financial's Climate Goals (2030 & 2050)
Climate goals typically focus on 2030 interim targets and 2050 net-zero commitments, aligned with global frameworks like the Paris Agreement and Science Based Targets initiative (SBTi) to ensure alignment with global climate goals.
Bread Financial has not publicly committed to specific 2030 or 2050 climate goals through the major frameworks we track. Companies often set interim 2030 targets and long-term 2050 net-zero goals to demonstrate measurable progress toward decarbonization.
