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 46 is higher than 90% 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 2023, Bread Financial reported total carbon emissions of approximately 159,801,000 kg CO2e. This figure includes 1,153,000 kg CO2e from Scope 1 emissions, 3,460,000 kg CO2e from Scope 2 emissions (market-based), and a significant 159,801,000 kg CO2e from Scope 3 emissions, which encompass a wide range of activities including purchased goods and services, employee commuting, and upstream transportation. Over the years, Bread Financial has shown fluctuations in its emissions. For instance, in 2022, the total emissions were about 125,113,000 kg CO2e, while in 2021, they peaked at approximately 159,925,000 kg CO2e. The company has not set specific reduction targets or initiatives under the Science Based Targets initiative (SBTi) or other climate pledges, indicating a potential area for future commitment. The emissions data reveals that the majority of Bread Financial's carbon footprint arises from Scope 3 emissions, highlighting the importance of addressing supply chain and operational impacts in their climate strategy. As the company continues to evolve, establishing clear reduction targets could enhance its sustainability profile and align with industry best practices.
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| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|---|
| Scope 1 | 2,484 | 0,000 | 0,000,000 | 0,000,000 | 0,000,000 | 0,000,000 | 0,000,000 | 0,000,000 | 0,000,000 |
| Scope 2 | 31,845 | 00,000 | 00,000,000 | 00,000,000 | 00,000,000 | 00,000,000 | 00,000,000 | 0,000,000 | 0,000,000 |
| Scope 3 | 142,298 | 000,000 | 00,000,000 | 00,000,000 | 00,000,000 | 00,000,000 | 000,000,000 | 000,000,000 | 000,000,000 |
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.
