What is Bread Financial Holdings, Inc.'s Shariah compliance score?

Bread Financial Holdings, Inc.'s (BFH) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Bread Financial Holdings, Inc. pass AAOIFI screening?

Bread Financial Holdings, Inc. (BFH) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (BFH: 113.8%), (3) interest-bearing deposits below 30% (BFH: 97.8%), and (4) prohibited income below 5% (BFH: 104.6%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Bread Financial Holdings, Inc. stock?

Bread Financial Holdings, Inc. (BFH) has a non-permissible income ratio of 104.55%. Muslim investors should purify this percentage of any dividends received and capital gains realized from BFH shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Bread Financial Holdings, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Bread Financial Holdings, Inc. (BFH) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about BFH's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

BFH: Is Bread Financial Holdings, Inc. Halal?

Bread Financial Holdings, Inc.

NYSEFinancial ServicesUS

$91.55

+2.42%

Market Cap: 3.7B

Compliance Status

Not Halal

Screened on Jul 17, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Bread Financial Holdings, Inc. (BFH) halal? Not Halal. Based on AAOIFI screening, Bread Financial Holdings, Inc. passes the business activity screen but fails financial ratio screens with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

What the company sells is permissible.

Passed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

113.8% of 30.0% limit

What this means for you

Most scholars advise not holding BFH

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, account origination, and funding services for approximately 130 private label and co-brand credit card programs, as well as through Bread partnerships to approximately 500 small-and medium-sized businesses merchants; and Comenity-branded general purpose cash-back credit. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs and Bread BNPL (installment loans, split-pay) products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products, including installment and split-pay solutions. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was founded in 1996 and is headquartered in Columbus, Ohio.

Sector: Financial Services · Industry: Financial - Credit Services

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 17, 2026

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: FY 2025Data source: FMP

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$368.41

+0.17%

SLVA+

iShares Silver Trust

$50.78

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

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BAC

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WFC

Wells Fargo & Company

Free · No credit card required

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Frequently Asked Questions

Is Bread Financial Holdings, Inc. (BFH) halal to invest in?

Bread Financial Holdings, Inc. (BFH) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Bread Financial Holdings, Inc. get a F compliance rating?

Bread Financial Holdings, Inc. (BFH) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 113.8% (limit 30%); interest-bearing deposits of 97.8% (limit 30%); prohibited income of 104.55% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Bread Financial Holdings, Inc.'s Shariah verdict?

Bread Financial Holdings, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Bread Financial Holdings, Inc. re-screened for Shariah compliance?

Bread Financial Holdings, Inc. (BFH) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 17, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.