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Bread Financial Holdings Inc

Common Name
Bread Financial Holdings
Country
United States
Sector
Financial Services
Industry
Credit Services
Employees
6,000
Ticker
BFH
Exchange
NEW YORK STOCK EXCHANGE, INC.
Description
Bread Financial Holdings Inc. is a prominent company in the financial services industry, primarily known for providing a wide array of consumer financial products and services. Its core offerings incl...

Bread Financial Holdings's GHG Emissions Data Preview

In 2024, Bread Financial Holdings completed a corporate carbon footprint assessment and publicly disclosed its greenhouse gas (GHG) emissions according to the GHG Protocol, covering Scope 1 (direct emissions from owned or controlled sources), Scope 2 (indirect emissions from purchased energy) and Scope 3 (indirect emissions across the value chain).

However, Bread Financial Holdings has not published a category-level breakdown of its Scope 3 emissions, limiting visibility into specific value chain sources.

Metric (tCO2e)2024202320222021-2019
Total Scope 1
933a
1,147a
1,371a
Total Scope 2
Market-Based
2,250a
3,919a
3,392a
Location-Based
N/AN/AN/A
Total Scope 3
93,226a
149,740a
155,858a
Total Scope 1 Revenue Intensity (tCO2e/$M)
0.2431a
0.2671a
0.3543a
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Verified Sources Behind Bread Financial Holdings’s Greenhouse Gas (GHG) Emissions Data

Every figure on this dashboard has a transparent audit trail. With Tracenable, each data point is traceable back to its original source, viewable directly inside our platform.

a. Bread Financial Holdings's Sustainability Report 2024
b. Bread Financial Holdings's ESG Report 2021

Insights into Bread Financial Holdings's Operational Emissions

In 2024, the total operational greenhouse gas (GHG) emissions of Bread Financial Holdings amounted to 3,183 metric tons of CO2 equivalent. This figure includes both direct emissions from owned or controlled sources (Scope 1) and indirect emissions from purchased energy (Scope 2).a

Compared to 2023, the total operational greenhouse gas (GHG) emissions of Bread Financial Holdings decreased by 37.17%, showing that the company has made progress in taking action to reduce the climate impact of its operations.a

Bread Financial Holdings's Scope 1 Emissions Over Time

20192020202120222023202406001.2 k1.8 k2.4 ktCO2e-34%0%-8%-16%-19%
  • Total Scope 1
  • Year-over-Year Change

What are Bread Financial Holdings's Scope 1 emissions?

In 2024, the total Scope 1 emissions of Bread Financial Holdings were 933 metric tons of CO₂ equivalent (tCO₂e).a

Has Bread Financial Holdings reduced its Scope 1 emissions over time?

Since 2019, Bread Financial Holdings's Scope 1 emissions have decreased by 58.83%, reflecting a declining long-term trend in Scope 1 emissions over time.ab

Compared to the previous year (2023), Bread Financial Holdings's Scope 1 emissions decreased by 18.66%, highlighting the company's efforts to lower direct emissions from assets it owns or controls.a

What are Bread Financial Holdings's Scope 2 emissions?

In 2024, Bread Financial Holdings reported Scope 2 greenhouse gas (GHG) emissions of 2,250 tCO₂e using the market-based method.a

Has Bread Financial Holdings reduced its Scope 2 emissions over time?

Compared to the previous year (2023), Bread Financial Holdings's Scope 2 emissions (Market-Based) fell by 42.59% in 2024, showing that the company has made progress in taking action to reduce the climate impact of its energy consumption.a

What methodology does Bread Financial Holdings use for Scope 2 reporting?

In 2024, Bread Financial Holdings reported its Scope 2 emissions using the market-based method.a

Bread Financial Holdings's Scope 2 Emissions Over Time

20192020202120222023202408.5 k17 k25.5 k34 ktCO2e
  • Total Scope 2 Location-Based
  • Total Scope 2 Market-Based

Insights into Bread Financial Holdings's Value Chain Emissions

In 2024, Bread Financial Holdings reported 93,226 metric tons of CO₂ equivalent (tCO₂e) of Scope 3 greenhouse gas (GHG) emissions, representing indirect emissions across its upstream and downstream value chain.a

The 2024 disclosure of Bread Financial Holdings includes a breakdown across 0 of the 15 Scope 3 categories defined by the GHG Protocol, matching the level of disclosure in 2023, demonstrating consistent Scope 3 emissions reporting coverage year over year.a

Bread Financial Holdings's Scope 3 Emissions Over Time

201920202021202220232024040 k80 k120 k160 ktCO2e-63%+370%+6%-4%-38%
  • Total Scope 3
  • Year-over-Year Change

What are Bread Financial Holdings's Scope 3 emissions?

In 2024, Bread Financial Holdings reported total Scope 3 emissions of 93,226 metric tons of CO₂ equivalent (tCO₂e).a

Has Bread Financial Holdings reduced its Scope 3 emissions over time?

Since 2019, Bread Financial Holdings's Scope 3 emissions have increased by 10.62%, reflecting a rising long-term trend in Scope 3 emissions over time.ab

Compared to the previous year (2023), Bread Financial Holdings's Scope 3 emissions decreased by 37.74%, highlighting the company's efforts to lower indirect emissions from its value chain.a

Insights into Bread Financial Holdings’s GHG Emissions Intensity Compared to Industry Peers

In 2024, Bread Financial Holdings reported Scope 1 greenhouse gas (GHG) emissions of 933 tCO₂e and total revenues of USD 3,838 millions. This translates into an emissions intensity of 0.24 tCO₂e per millions USD.a

Bread Financial Holdings's Scope 1 Emissions Intensity Compared to Peers

502002,00020,000100,000Scope 1 Emissions (tCO2e)2001,0005,00050,000200,000Revenues (Millions of USD)RECYear: 2025Scope 1: 306 tCO2eRevenue: $M 2,565Scope 1 Intensity: 0.12 tCO2e/$MMuthoot FinanceYear: 2025Scope 1: 129 tCO2eRevenue: $M 1,504Scope 1 Intensity: 0.09 tCO2e/$MCholaYear: 2025Scope 1: 356 tCO2eRevenue: $M 1,599Scope 1 Intensity: 0.22 tCO2e/$MShriram FinanceYear: 2025Scope 1: 4,236 tCO2eRevenue: $M 2,672Scope 1 Intensity: 1.59 tCO2e/$MAeon Financial ServiceYear: 2024Scope 1: 2,642 tCO2eRevenue: $M 2,781Scope 1 Intensity: 0.95 tCO2e/$MCholamandalam Financial HoldingsYear: 2025Scope 1: 621 tCO2eRevenue: $M 4,096Scope 1 Intensity: 0.15 tCO2e/$MCredit SaisonYear: 2024Scope 1: 822 tCO2eRevenue: $M 2,775Scope 1 Intensity: 0.30 tCO2e/$MMarui GroupYear: 2025Scope 1: 9,003 tCO2eRevenue: $M 1,696Scope 1 Intensity: 5.31 tCO2e/$MSamsung CardYear: 2024Scope 1: 311 tCO2eRevenue: $M 1,911Scope 1 Intensity: 0.16 tCO2e/$MGenteraYear: 2024Scope 1: 6,783 tCO2eRevenue: $M 1,845Scope 1 Intensity: 3.68 tCO2e/$MAcomYear: 2024Scope 1: 1,317 tCO2eRevenue: $M 1,946Scope 1 Intensity: 0.68 tCO2e/$MAlly FinancialYear: 2024Scope 1: 5,585 tCO2eRevenue: $M 8,898Scope 1 Intensity: 0.63 tCO2e/$MSynchrony FinancialYear: 2024Scope 1: 168 tCO2eRevenue: $M 16,154Scope 1 Intensity: 0.01 tCO2e/$MPaypal HoldingsYear: 2024Scope 1: 2,100 tCO2eRevenue: $M 31,818Scope 1 Intensity: 0.07 tCO2e/$MCapital One FinancialYear: 2024Scope 1: 7,251 tCO2eRevenue: $M 39,110Scope 1 Intensity: 0.19 tCO2e/$MAmerican ExpressYear: 2024Scope 1: 21,817 tCO2eRevenue: $M 65,952Scope 1 Intensity: 0.33 tCO2e/$MMastercardYear: 2024Scope 1: 2,962 tCO2eRevenue: $M 28,156Scope 1 Intensity: 0.11 tCO2e/$MVisaYear: 2025Scope 1: 12,635 tCO2eRevenue: $M 39,997Scope 1 Intensity: 0.32 tCO2e/$MWestern UnionYear: 2023Scope 1: 4,132 tCO2eRevenue: $M 4,357Scope 1 Intensity: 0.95 tCO2e/$MIPG PhotonicsYear: 2024Scope 1: 41,764 tCO2eRevenue: $M 977Scope 1 Intensity: 42.74 tCO2e/$MSoFi TechnologiesYear: 2024Scope 1: 293 tCO2eRevenue: $M 2,613Scope 1 Intensity: 0.11 tCO2e/$MSLMYear: 2023Scope 1: 157 tCO2eRevenue: $M 1,809Scope 1 Intensity: 0.09 tCO2e/$MBread Financial HoldingsYear: 2024Scope 1: 933 tCO2eRevenue: $M 3,838Scope 1 Intensity: 0.24 tCO2e/$M

How does Bread Financial Holdings's GHG emissions intensity compare to its peers?

In 2024, Bread Financial Holdings reported a Scope 1 emissions intensity of 0.24 tCO₂e per millions USD. Compared to the peer group median of 0.26, this places the company below its industry benchmark, indicating it is more carbon-efficient than most competitors.a

Where does Bread Financial Holdings rank on GHG emissions intensity within its industry?

In 2024, Bread Financial Holdings ranked 12 out of 22 companies in its industry peer group, based on Scope 1 emissions intensity (measured in tCO₂e per millions USD).a

Bread Financial Holdings is therefore positioned in the mid-range of its industry, neither a clear leader nor a laggard in carbon efficiency.a

Insights into Bread Financial Holdings's Total Carbon Footprint

In 2024, Bread Financial Holdings reported a total carbon footprint of 96,409 metric tons of CO₂ equivalent (tCO₂e) across Scope 1, Scope 2, and Scope 3 emissions. This represents a 37.72% decrease compared to 2023, indicating progress in reducing its overall greenhouse gas output.a

The largest contributor to Bread Financial Holdings's total carbon footprint was Scope 3 emissions, accounting for 96.7% of the company's total carbon footprint, followed by Scope 2 emissions at 2.33%.a

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