Bread Financial
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 86% 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 has established a target to reduce Scope 1 emissions by 55% from a 2022 baseline by 2030, and similarly, a 55% reduction target for Scope 2 emissions from the same baseline year. These initiatives reflect a proactive approach to addressing climate change and reducing their overall carbon footprint. The emissions data is not cascaded from any parent company, and all figures are reported directly from Bread Financial Holdings, Inc. The company is actively working towards its climate goals, demonstrating a commitment to sustainability and environmental responsibility.
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| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Scope 1 | 2,484,000 | 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 | 30,791,000 | 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 | 142,298,000 | 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 |
Industry emissions intensity
Location emissions intensity
Reduction initiatives & disclosure networks
Companies disclose and commit to reducing emissions to show they are serious about reducing emissions impact over time. They can also help a company track its progress over time.
Bread Financial is not participating in any of the initiatives that we track. This may change over time as the company engages with new initiatives or updates its commitments. DitchCarbon will update this information as it becomes available.
