Tale of Two Banks: Ameriprise Financial & Bread Financial Holdings
- 7 minutes ago
- 6 min read
May 14, 2026 | One of the benefits of being a Premium Service subscriber to The Institutional Risk Analyst is that you get to ask us questions and suggest topics. Today we look at two interesting names that have performed well in the past several years, Ameriprise Financial (AMP) and Bread Financial Holdings (BFH).
AMP is a $190 billion asset bank holding company headquartered in Minneapolis, MN, and BFH is a nonbank lender based in Columbus, OH. The bank unit of AMP is just 1/10 of the group's assets but has a return on assets that is 3x the industry average.
AMP has been a stellar market and financial performer over the past five years, but in the last twelve months has suffered because of the continuous noise around AI. BFH is a $22 billion asset credit card issuer that is up ~ 55% in the past year, as shown in the chart below.
Source: Yahoo Finance (5/13/26)
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