9
NPS
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Ranked
#169
Business and Consumer Services Brands
Brand Page
Bread Financial
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Bread Financial is ranked #169 in Business and Consumer Services Brands
Bread Financial is ranked #169 in Business and Consumer Services Brands
About Bread Financial's Brand
Bread Financial is a leading provider of simple, personalized payment, lending and saving solutions. We're looking for talented associates who share common values and are passionate about helping us create opportunities for our customers - opportunities that offer ease, empowerment and financial flexibility. Discover why Bread Financial is consistently recognized as one of the best places to work. Bread Financial’s brand is ranked #940 in the list of Global Best Brands, a carefully curated list of recognized brands as rated by customers of Bread Financial. When compared to other organizations within the Business and Consumer Services industry, Bread Financial is ranked #169. Among its major competitors, Bread Financial is ranked in 6th place for NPS while Sezzle Inc. is 1st, and JPMorgan Chase & Co is 2nd.Their current market cap is $4.12B
Brand at a Glance
80%
Customer Loyalty
3.1/5
Product Quality
3.4/5
Pricing
3.2/5
Customer Service
Bread Financial Ranking
- #169 in Business and Consumer Services
- #4 / 4 of its competitors
Bread Financial NPS
Bread Financial's Net Promoter Score (NPS) is a 9 with 45% Promoters, 19% Passives, and 36% Detractors. Net Promoter Score tracks whether Bread Financial's customers would recommend using the product based on a scale of -100 to 100.
Bread Financial Overall NPS
| 45% | Promoters |
|---|---|
| 19% | Passives |
| 36% | Detractors |
Bread Financial NPS Trend
-100
-50
0
50
100
| Summary | Date | Score |
|---|---|---|
Jun 2022 4 | Jun 2022 | 4 |
Aug 2022 11 | Aug 2022 | 11 |
Nov 2022 5 | Nov 2022 | 5 |
Jul 2023 0 | Jul 2023 | 0 |
Aug 2023 8 | Aug 2023 | 8 |
Mar 2024 11 | Mar 2024 | 11 |
Apr 2024 16 | Apr 2024 | 16 |
Jun 2024 14 | Jun 2024 | 14 |
Aug 2024 9 | Aug 2024 | 9 |
Sep 2024 7 | Sep 2024 | 7 |
Nov 2024 8 | Nov 2024 | 8 |
Mar 2026 9 | Mar 2026 | 9 |
How Other Brands Compare
Bread Financial is ranked #4 for NPS among its competitors. JPMorgan Chase & Co and American Express come in first and second, with PayPal coming in at third. Among those competitors, it is the lowest valued company behind JPMorgan Chase & Co.
Bread Financial |  American Express |  JPMorgan Chase & Co |  PayPal | |
| Global Ranking | #940 | #62 | #72 | #109 |
| NPS | 9 | 17 | 31 | 11 |
| Social Sentiment Calculated by analyzing social media and other online mentions | - | Neutral | - | Neutral |
| Valuation Updated every 24 hours for public companies | $4.12B | $127.20B | $451.20B | $336.03B |
What is NPS
Net Promoter Score (NPS) is a management tool that can be used to gauge the satisfaction of a firm's customer relationships. NPS has been widely adopted as a key metric often linked to the revenue potential of a company’s product or service. The metric is based on customer responses to the question: "On a scale of 0 to 10, how likely are you to recommend the product to a friend?"
Those who respond with a score of 9 to 10 are known as Promoters, and are widely associated with behaviors that create value, including actively encouraging others to use the product or service. Those who respond with a score of 7 or 8 are categorized as Passives, and they are believed to be less likely to exhibit the value-creation traits of Promoters having a largely neutral effect on other consumers. Detractors are those who fall in the score range of 0 to 6 and represent dissatisfied customers of the product sometimes actively recommending against using the product.
Bread Financial NPS by Gender
Female customers rated Bread Financial's NPS 11 points higher than Male customers.
Male
-28
Bread Financial's NPS was rated -28 by Male customers on Comparably.
29%
Promoters
14%
Passives
57%
Detractors
Female
-17
Bread Financial's NPS was rated -17 by Female customers on Comparably.
33%
Promoters
17%
Passives
50%
Detractors
Bread Financial NPS by Ethnicity
Bread Financial's NPS was rated the highest by Caucasian customers, and the lowest by Other customers.
-100
-50
0
50
100
| Summary | Ethnicity | Score |
|---|---|---|
Caucasian -17 | Caucasian | -17 |
Other -100 | Other | -100 |
Bread Financial NPS by Age
Bread Financial's NPS was rated 0 points by customers ages 31-35 on Comparably.
Bread Financial NPS by Usage
Bread Financial's NPS was rated the highest by customers who have used Bread Financial's products/services for 2 to 5 Years, and the lowest by customers with 1 to 2 Years of usage.
-100
-50
0
50
100
| Summary | Usage | Score |
|---|---|---|
1 to 2 Years -15 | 1 to 2 Years | -15 |
2 to 5 Years 50 | 2 to 5 Years | 50 |
Bread Financial NPS vs. Competitors
Compared to its competitors, Bread Financial's NPS is rated right above Huntington National Bank, and is preceded by PayPal.
| COMPANY | NPS Score | |
|---|---|---|
 | Sezzle Inc. | 50 |
| JPMorgan Chase & Co | 31 |
 | Klarna | 19 |
| American Express | 17 |
| PayPal | 11 |
| Bread Financial | 9 |
 | Huntington National Bank | -5 |
 | Capital One | -41 |
 | Synchrony | -44 |
 | Venmo | -51 |
Bread Financial Customer Reviews
Out of the 3 Bread Financial customer reviews 1 was positive and 2 were constructive. Bread Financial customer reviews reflect that more than half of the customers expect a better service or product from the company and believe there is room for improvement.
All Reviews
Positive Reviews
Constructive Reviews
Bread Financial Customer Loyalty
80%
Customer Loyalty is a strong indicator of whether or not a customer will choose a brand repeatedly over a competitor that offers similar products/services.
80% of Bread Financial users/customers answered "Yes" when asked: "Would you consider yourself a loyal user/customer?"
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Bread Financial Customer Loyalty Score by Gender
Male customers rated Bread Financial's Customer Loyalty score 2% higher than Female customers.
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Male
87%
Yes
Female
85%
Yes
Bread Financial Customer Loyalty Score by Ethnicity
Bread Financial's Customer Loyalty score was rated the highest by Other customers, and the lowest by Caucasian customers.
% who answered "Yes"
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85
out of 100
Caucasian
100
out of 100
Other
Bread Financial Customer Loyalty Score by Age
Bread Financial's Customer Loyalty score was rated 100% by customers ages 31-35 on Comparably.
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0
20%
40%
60%
80%
100%
| Summary | Age | Score |
|---|---|---|
31-35 100% | 31-35 | 100% |
Bread Financial Customer Loyalty Score by Usage
Bread Financial's Customer Loyalty score was rated the highest by customers who have used Bread Financial's products/services for 1 to 2 Years, and the lowest by customers with 2 to 5 Years of usage.
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Bread Financial Customer Loyalty Score by Industry
Bread Financial's Customer Loyalty score was rated 70% by Tech industry customers.
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Bread Financial Customer Loyalty vs. Competitors
Compared to its competitors, Bread Financial's Customer Loyalty score is rated right above PayPal, and is preceded by Huntington National Bank.
| COMPANY | Customer Loyalty Score | |
|---|---|---|
| Sezzle Inc. | 100% |
| American Express | 85% |
| JPMorgan Chase & Co | 83% |
| Huntington National Bank | 82% |
| Bread Financial | 80% |
| PayPal | 79% |
| Capital One | 79% |
| Klarna | 70% |
| Synchrony | 68% |
| Venmo | 67% |
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Customer Loyalty for Other Business and Consumer Services Brands
In the Business and Consumer Services industry, Bread Financial's Customer Loyalty score is rated right above Verizon, and is preceded by T-Mobile.
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Bread Financial Product Quality
3.1/5
Bread Financial has an overall Product Quality score of 3.1 out of 5 stars rated by its users and customers.
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Bread Financial Product Information
Bread Financial’s product quality score is a 3.1 out of 5 as rated by its users and customers. Reviewers from the Tech industry rated Bread Financial's product the highest.
- Company Size
- 5,001-10,000 Employees
Industry
Tech
Ecommerce and Marketplaces
FinTech
Mobile App
Quick Insights into Bread Financial Product Quality
Bread Financial's Product Quality score was rated highest by customers who have used Bread Financial's products/services for 2 to 5 Years, and rated lowest by Other customers.
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Ranked Bread Financial Product Quality the Highest
Ranked Bread Financial Product Quality the Lowest
Bread Financial Product Quality Score by Gender
Bread Financial's Product Quality score was rated 2.5 by both Female and Male customers on Comparably.
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Male
2.5/5
Female
2.5/5
Bread Financial Product Quality Score by Ethnicity
Bread Financial's Product Quality score was rated the highest by Caucasian customers, and the lowest by Other customers.
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0
1
2
3
4
5
| Summary | Ethnicity | Score |
|---|---|---|
Caucasian 2.6 | Caucasian | 2.6 |
Other 1.5 | Other | 1.5 |
Bread Financial Product Quality Score by Age
Bread Financial's Product Quality score was rated 3.2 stars by customers ages 31-35 on Comparably.
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0
1
2
3
4
5
| Summary | Age | Score |
|---|---|---|
31-35 3.2 | 31-35 | 3.2 |
Bread Financial Product Quality Score by Usage
Bread Financial's Product Quality score was rated the highest by customers who have used Bread Financial's products/services for 2 to 5 Years, and the lowest by customers with 1 to 2 Years of usage.
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Bread Financial Product Quality Score by Industry
Bread Financial's Product Quality score was rated 3.5 stars by Tech industry customers.
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Bread Financial Product Quality vs. Competitors
Compared to its competitors, Bread Financial's Product Quality score is rated right above Huntington National Bank, and is preceded by PayPal.
| COMPANY | Product Quality Score | |
|---|---|---|
| Sezzle Inc. | 4.5/5 |
| JPMorgan Chase & Co | 4/5 |
| Klarna | 3.7/5 |
| American Express | 3.5/5 |
| PayPal | 3.5/5 |
| Bread Financial | 3.1/5 |
| Huntington National Bank | 3/5 |
| Capital One | 2.3/5 |
| Synchrony | 2.1/5 |
| Venmo | 1.8/5 |
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Product Quality for Other Business and Consumer Services Brands
In the Business and Consumer Services industry, Bread Financial's Product Quality score is rated right above T-Mobile, and is preceded by Verizon.
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Bread Financial Pricing
Bread Financial ROI & Value For Money
3.4/5
Bread Financial has a value for money and ROI score of 3.4 out of 5 stars rated by its users and customers.
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Bread Financial Pricing Plans
Not every product or service fits the needs of a certain user or industry. The users that rank the value for money and ROI highest are mainly from Tech industry.
Quick Insights into Bread Financial ROI
Bread Financial's ROI score was rated highest by customers who have used Bread Financial's products/services for 2 to 5 Years, and rated lowest by Other customers.
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Ranked Bread Financial ROI the Highest
Ranked Bread Financial ROI the Lowest
Bread Financial ROI Score by Gender
Female customers rated Bread Financial's ROI score 0.4 stars higher than Male customers.
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Male
2.6/5
Female
3/5
Bread Financial ROI Score by Ethnicity
Bread Financial's ROI score was rated the highest by Caucasian customers, and the lowest by Other customers.
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0
1
2
3
4
5
| Summary | Ethnicity | Score |
|---|---|---|
Caucasian 2.9 | Caucasian | 2.9 |
Other 1.5 | Other | 1.5 |
Bread Financial ROI Score by Age
Bread Financial's ROI score was rated 3.5 stars by customers ages 31-35 on Comparably.
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0
1
2
3
4
5
| Summary | Age | Score |
|---|---|---|
31-35 3.5 | 31-35 | 3.5 |
Bread Financial ROI Score by Usage
Bread Financial's ROI score was rated the highest by customers who have used Bread Financial's products/services for 2 to 5 Years, and the lowest by customers with 1 to 2 Years of usage.
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Bread Financial ROI Score by Industry
Bread Financial's ROI score was rated 3.8 stars by Tech industry customers.
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Bread Financial Pricing vs. Competitors
Compared to its competitors, Bread Financial's ROI score is rated right above American Express, and is preceded by PayPal.
| COMPANY | Pricing Score | |
|---|---|---|
| JPMorgan Chase & Co | 3.9/5 |
| Klarna | 3.7/5 |
| Sezzle Inc. | 3.5/5 |
| PayPal | 3.4/5 |
| Bread Financial | 3.4/5 |
| American Express | 3.3/5 |
| Huntington National Bank | 2.9/5 |
| Capital One | 2.1/5 |
| Synchrony | 2/5 |
| Venmo | 1.8/5 |
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ROI for Other Business and Consumer Services Brands
In the Business and Consumer Services industry, Bread Financial's ROI score is rated right above FedEx, and is preceded by Accenture.
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Bread Financial Customer Satisfaction (CSAT)
Bread Financial Customer Satisfaction (CSAT) Score
50 / 100
Bread Financial has an overall Customer Satisfaction score of 50 rated by its users and customers.
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Very Satisfied
25%
Satisfied
25%
Neither Satisfied nor Dissatisfied
5%
Dissatisfied
15%
Very Dissatisfied
30%
What is Customer Satisfaction (CSAT) Score
Customer Satisfaction Score (also known as CSAT), is a metric used to quantify how satisfied customers are with a company or brand’s products and services. The Customer Satisfaction Score is based on customers response to the question: “How would you rate your overall satisfaction with the service you received?” The score is calculated using the formula: (The total number answer of “Very Satisfied” and “Satisfied”) ÷ (The total response) x100, and it is generally displayed in percentages. Some of the main benefits of the CSAT for businesses are tracking retention, identifying happy customers and growing relationships, and gaining repeat business to build a sustainable brand.
Quick Insights into Bread Financial Customer Satisfaction
Bread Financial's Customer Satisfaction score was rated highest by customers who have used Bread Financial's products/services for 2 to 5 Years, and rated lowest by Other customers.
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Ranked Bread Financial Customer Satisfaction the Highest
Ranked Bread Financial Customer Satisfaction the Lowest
Bread Financial Customer Satisfaction Score by Gender
Male customers rated Bread Financial's Customer Satisfaction score 3 points higher than Female customers.
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43 / 100
MaleVery Satisfied | 29% | |
|---|---|---|
Satisfied | 14% | |
Neither Satisfied nor Dissatisfied | 0% | |
Dissatisfied | 14% | |
Very Dissatisfied | 43% |
40 / 100
FemaleVery Satisfied | 20% | |
|---|---|---|
Satisfied | 20% | |
Neither Satisfied nor Dissatisfied | 0% | |
Dissatisfied | 40% | |
Very Dissatisfied | 20% |
Bread Financial Customer Satisfaction Score by Ethnicity
CSAT according to Caucasian
Bread Financial's Customer Satisfaction (CSAT) score was rated 50% according to Caucasian users and customers.
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50 / 100
Very Satisfied
17%
Satisfied
33%
Neither Satisfied nor Dissatisfied
0%
Dissatisfied
17%
Very Dissatisfied
33%
CSAT according to Other
Bread Financial's Customer Satisfaction (CSAT) score was rated 0% according to Other users and customers.
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0 / 100
Very Satisfied
0%
Satisfied
0%
Neither Satisfied nor Dissatisfied
0%
Dissatisfied
33%
Very Dissatisfied
67%
Bread Financial Customer Satisfaction Score by Age
Bread Financial's Customer Satisfaction score was rated 50 points by customers ages 31-35 on Comparably.
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0
20
40
60
80
100
| Breakdown | Age | Score | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 31-35 | 50% |
Bread Financial Customer Satisfaction Score by Usage
Bread Financial's Customer Satisfaction score was rated the highest by customers who have used Bread Financial's products/services for 2 to 5 Years, and the lowest by customers with 1 to 2 Years of usage.
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Bread Financial Customer Satisfaction vs. Competitors
Compared to its competitors, Bread Financial's Customer Satisfaction score is rated right above Huntington National Bank, and is preceded by American Express.
| COMPANY | Customer Satisfaction (CSAT) Score | |
|---|---|---|
| JPMorgan Chase & Co | 76% |
| Klarna | 76% |
| PayPal | 65% |
| American Express | 62% |
| Bread Financial | 50% |
| Huntington National Bank | 47% |
| Synchrony | 30% |
| Venmo | 25% |
| Capital One | 15% |
| Sezzle Inc. | 0% |
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Customer Satisfaction for Other Business and Consumer Services Brands
In the Business and Consumer Services industry, Bread Financial's Customer Satisfaction score is rated right above T-Mobile, and is preceded by Verizon.
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Bread Financial Customer Service
3.2/5
Bread Financial has an overall Customer Service score of 3.2 out of 5 stars rated by its users and customers.
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About Bread Financial's Customer Service
Address
Columbus, OH 43219
Website
https://www.breadfinancial.com/
Phone Number
214-494-3000
Bread Financial's Social Links
Quick Insights into Bread Financial Customer Service
Bread Financial's Customer Service score was rated highest by customers from the Tech industry, and rated lowest by Other customers.
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Ranked Bread Financial Customer Service the Highest
Ranked Bread Financial Customer Service the Lowest
Bread Financial Customer Service Score by Gender
Female customers rated Bread Financial's Customer Service score 0.1 stars higher than Male customers.
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Male
2.5/5
Female
2.6/5
Bread Financial Customer Service Score by Ethnicity
Bread Financial's Customer Service score was rated the highest by Caucasian customers, and the lowest by Other customers.
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0
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100
| Summary | Ethnicity | Customer Service Score |
|---|---|---|
Caucasian 2.7 | Caucasian | 2.7 |
Other 1.5 | Other | 1.5 |
Bread Financial Customer Service Score by Age
Bread Financial's Customer Service score was rated 3.5 stars by customers ages 31-35 on Comparably.
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0
20
40
60
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| Summary | Age | Customer Service Score |
|---|---|---|
31-35 3.5 | 31-35 | 3.5 |
Bread Financial Customer Service Score by Usage
Bread Financial's Customer Service score was rated the highest by customers who have used Bread Financial's products/services for 2 to 5 Years, and the lowest by customers with 1 to 2 Years of usage.
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Bread Financial Customer Service Score by Industry
Bread Financial's Customer Service score was rated 3.8 stars by Tech industry customers.
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Bread Financial Customer Service vs. Competitors
Compared to its competitors, Bread Financial's Customer Service score is rated right above Huntington National Bank, and is preceded by PayPal.
| COMPANY | Customer Service Score | |
|---|---|---|
| Sezzle Inc. | 4.5/5 |
| JPMorgan Chase & Co | 4/5 |
| Klarna | 3.6/5 |
| American Express | 3.4/5 |
| PayPal | 3.3/5 |
| Bread Financial | 3.2/5 |
| Huntington National Bank | 2.9/5 |
| Capital One | 2/5 |
| Synchrony | 2/5 |
| Venmo | 1.7/5 |
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Customer Service for Other Business and Consumer Services Brands
In the Business and Consumer Services industry, Bread Financial's Customer Service score is rated right above Verizon, and is preceded by USAA.
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Bread Financial as an Employer
4.1/5
Bread Financial has a 4.1/5 stars for its overall company culture rated by their employees
top
25%
Consumer vs. Employees
Bread Financial scored a 9 for Net Promoter Score and a 10 for Employee Net Promoter Score. NPS gauges how likely a customer of Bread Financial would recommend the brand to a friend. ENPS measures how likely Bread Financial employees would recommend working at Bread Financial to a friend.
Net Promoter Score
9
NPS Score
| 45% | Promoters |
|---|---|
| 19% | Passive |
| 36% | Detractors |
Employee Net Promoter Score
10
eNPS Score
| 50% | Promoters |
|---|---|
| 10% | Passive |
| 40% | Detractors |
Global Ranking Snapshot
Bread Financial is ranked #940 in the Global Top 100 Brands. It ranks just behind Drybar and just ahead of Flipkart.
| RANK | COMPANY | CEO | INDUSTRY | ||
|---|---|---|---|---|---|
938 |  | DBS Bank |  | Banking and Financial Services | |
939 |  | Drybar |  | John Heffner | Retail |
940 | | Bread Financial | | Ralph Andretta | Business and Consumer Services |
941 |  | Flipkart |  | Kalyan Krishnamurthy | Tech |
942 |  | Klaviyo |  | Andrew Bialecki | Tech |
943 |  | Cold Stone Creamery |  | Doug Ducey | Food and Beverages |
944 |  | Fila |  | Yoon-Soo Yoon | Fashion and Beauty |
Business and Consumer Services Ranking Snapshot
Bread Financial is ranked #169 in the Business and Consumer Services Industry. It ranks just behind Highspot and just ahead of Brainly.
| RANK | COMPANY | Location | |
|---|---|---|---|
167 |  | Careem | |
168 |  | Highspot | Seattle, WA |
169 | | Bread Financial | Columbus, OH |
170 |  | Brainly | New York City, NY |
171 |  | CDW Corporation | Vernon Hills, IL |
172 |  | WSP | Montreal, MO |
173 |  | Progressive Insurance | Cleveland, OH |
