Bread Financial Holdings, Inc. (BFH)
Credit card issuer with customer care centers. Read October 19, 2026 from the annual report for the period ending December 31, 2025, filed February 13, 2026. Ranked 4 of the 101 Financial Services companies read so far, by the share within reach now.
Within reach now
41%
End of 2028
66%
Employees, annual report
6,000
Leading staffing pattern
Nondepository Credit Intermediation
Share of the working time within reach, long-run pace, four times in five
- Now41%
- End of 202759%
- End of 202866%
- End of 203068%
What changes for its people by the end of 2028, by its industries' figures
- Stays with people 32%
- Becomes checking a model's work 59%
- Handed over with lighter checks 7%
Bread Financial’s approximately 6,000 associates, most in the United States, issue and service private label and co-brand credit cards, read as one credit card issuing pattern.
The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.
What follows from the reading
Share of working time within reach of AI, on the long-run pace at four in five: 41% now, 59% at the end of 2027, 66% at the end of 2028, 68% at the end of 2030. By the patterns, the work is about 68% desk work, 28% people work and 4% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 32% of the working time stays with people (conversation, in-person and hands-on work), 59% becomes checking a model's work and 7% could be handed over with lighter checks, from the industries' own figures, not the company's roles.
Headcount
6,000 employees as of December 31, 2025 (stated). The majority of associates are in the United States, by the filing, with no count by country.
The filing: “As of December 31, 2025, we employed approximately 6,000 associates worldwide, with the majority concentrated in the United States.”
The workforce as industry patterns
| Pattern | Share | Reason, from the filing |
|---|---|---|
| Nondepository Credit Intermediation | 100% | By description (c): private label and co-brand credit cards issued through its bank subsidiaries with customer care centers, credit card issuing (NAICS 522210); no count by function. |
What the filing says about the workforce: Approximately 6,000 associates worldwide, most in the United States; nine associate resource groups joined by nearly 1,600 associates; an apprentice program and rotational programs.
Companies read with the same leading pattern
Other companies whose largest staffing pattern is also Nondepository Credit Intermediation, largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.
- American Express Company (AXP, 76,800 employees)41% now, 66% by 2028
- Rocket Companies, Inc. (RKT, 23,500 employees)37% now, 61% by 2028
- FirstCash Holdings, Inc (FCFS, 22,000 employees)39% now, 66% by 2028
- Synchrony Financial (SYF, 20,000 employees)41% now, 66% by 2028
- OneMain Holdings, Inc. (OMF, 9,300 employees)41% now, 66% by 2028
- UWM Holdings Corporation (UWMC, 9,100 employees)37% now, 67% by 2028
- EZCORP, Inc. (EZPW, 8,500 employees)41% now, 66% by 2028
- Rithm Capital Corp. (RITM, 7,240 employees)38% now, 64% by 2028
What the filing says about AI
28 sentences in the filing name AI. The filing names AI 28 times: deep learning and AI tools in credit risk management, an AI-powered knowledge solution for customer care associates, and AI in marketing analytics.
- “We continue to enhance our credit risk management by evaluating and investing in new technology and advancing our data and modeling capabilities, including through the potential use of deep learning and AI tools.”
- “We provide focused training programs in all areas, and have developed an AI powered knowledge management solution for our customer care associates, in order to achieve the highest possible customer service standards and customer experience.”
- “Through our marketing technology, data and analytics capabilities, including the use of machine learning and AI technology, we focus on data insights that drive actionable strategies and enhance revenue growth and customer retention.”
- “Consequently, we continuously review capabilities and develop or acquire systems, processes and competencies to meet our unique business requirements, including strategic investments in cloud capabilities, machine learning and AI, emerging technologies and automation, and data analytics.”
- “As the payments industry continues to evolve, in the future we expect increasing competition from new and non-traditional competitors, such as fintechs, and with respect to new products, services and technologies, such as the emergence or increase in popularity of agentic commerce (in which autonomous AI agents initiate and execute transactions on behalf of users), digital payment platforms and...”
Its annual reports, year by year
Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector
- Fiscal 20213median 0
- Fiscal 20223median 0
- Fiscal 20233median 1
- Fiscal 202417median 4
- Fiscal 202528median 10
Headcount by filing year
As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.
| Period | Employees | Filed | Filing |
|---|---|---|---|
| 2025-12-31 | 6,000 | 2026-02-13 | 10-K |
| 2024-12-31 | 6,000 | 2025-02-14 | 10-K |
| 2023-12-31 | 7,000 | 2024-02-20 | 10-K |
| 2022-12-31 | 7,500 | 2023-02-28 | 10-K |
| 2021-12-31 | 6,000 | 2022-02-25 | 10-K |
| 2020-12-31 | 8,000 | 2021-02-26 | 10-K |
| 2019-12-31 | 8,500 | 2020-02-28 | 10-K |
| 2018-12-31 | 20,000 | 2019-02-26 | 10-K |
| 2017-12-31 | 20,000 | 2018-02-27 | 10-K |
| 2016-12-31 | 17,000 | 2017-02-27 | 10-K |
| 2015-12-31 | 16,000 | 2016-02-25 | 10-K |
| 2014-12-31 | 15,000 | 2015-02-27 | 10-K |
| 2013-12-31 | 12,000 | 2014-02-28 | 10-K |
| 2012-12-31 | 10,700 | 2013-02-28 | 10-K |
| 2011-12-31 | 8,600 | 2012-02-27 | 10-K |
| 2010-12-31 | 7,600 | 2011-02-28 | 10-K |
| 2009-12-31 | 7,400 | 2010-03-01 | 10-K |
| 2008-12-31 | 7,400 | 2009-03-02 | 10-K |
| 2007-12-31 | 9,800 | 2008-02-28 | 10-K |
| 2006-12-31 | 9,300 | 2007-02-26 | 10-K |
| 2005-12-31 | 8,000 | 2006-03-03 | 10-K |
| 2004-12-31 | 7,900 | 2005-03-04 | 10-K |
| 2003-12-31 | 7,600 | 2004-03-05 | 10-K |
| 2002-12-31 | 6,500 | 2003-03-12 | 10-K |
| 2001-12-31 | 6,500 | 2002-04-01 | 10-K405 |
Limits of this reading
- No count by function or country; one credit card issuing pattern by description.
- The segment and geography tables are fiscal 2020 and were not used.
Source: the company's annual report on EDGAR, accession 0001101215-26-000016, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.
The report on Bread Financial Holdings, Inc., $29
This page as a document to keep, with what it does not show: the share within reach at every date on three paces and two reliabilities, a typical workforce of this shape at the stated headcount role by role and task by task (the industries' staffing, never the company's roster), where to start, what changes for the people and what they would learn, every sentence in the filing that names AI, the headcount by year, the companies read with the same leading pattern, the method and a citation line. To print or save as a PDF, open again in your browser for a year.
See the report, $29See the sample first: Walmart's report is free
Questions about this company
- How much of Bread Financial Holdings, Inc.'s working time is within reach of AI?
- An estimated 41% now and 66% by the end of 2028, on METR's long-run pace at four in five, from the workforce Bread Financial Holdings, Inc.'s own annual report describes and BLS staffing patterns for its industries, never from a roster. It is an estimate with a stated method. It is not a forecast of jobs lost or of savings, and it says nothing about what the company will do.
- How many people does Bread Financial Holdings, Inc. employ?
- 6,000 as of December 31, 2025, as its annual report for the period ending December 31, 2025 states.
- What kinds of work make up Bread Financial Holdings, Inc.'s workforce?
- Read from its annual report as a blend of 1 industry staffing pattern, the largest Nondepository Credit Intermediation; by those patterns the work is about 68% desk work, 28% people work and 4% body work. Each share has a one-sentence reason on this page that can be checked against the filing.
- What does Bread Financial Holdings, Inc.'s annual report say about AI?
- 28 sentences in the filing name AI. Its annual reports for fiscal 2021 to 2025 name it in 3, 3, 3, 17 and 28 sentences, year by year. They are counted and quoted on this page, never judged: a count says how much a filing talks about AI, not what the company does with it.
- How is this estimated?
- Claude Fable 5.1 read the annual report under the Index's written rubric (version 1) on October 19, 2026: the stated headcount, the share in the U.S. when stated, and the workforce as a blend of industry staffing patterns. The estimates are the site's industry estimates weighted by those shares, from O*NET tasks with estimated lengths and METR's measurements of how long a task AI models can finish. A company can write to info@stratussc.com to have its reading checked against its filing.
Embed these figures on your site
A small card with the share of working time within reach now and at the end of 2027, 2028 and 2030, the date and a link back. Free under CC BY 4.0; the card carries the credit.