Bread Financial Holdings is a low-risk Diversified Financials company based in the United States. With an ESG score of 18.0, Bread Financial specializes in providing private label and co-branded credit cards, loyalty programs, and marketing services. The company's main focus is its credit card business, which partners with retailers to market credit cards to customers. Additionally, Bread Financial has a minority stake in LoyaltyOne, a division that operates a prominent airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.