Key highlights First quarter 2025 results April 24, 2025 © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 $970 million Revenue • Closely monitoring the impact of the new administration's policies including tariffs, trade, immigration, tax and deregulation, and the impacts they have on consumers and our business. • While consumer financial health was relatively steady in the first quarter, we will remain disciplined with our credit risk management given ongoing macroe ...

Core Insights - Bread Financial Holdings (BFH) reported quarterly earnings of $2.86 per share, exceeding the Zacks Consensus Estimate of $2.10 per share, and up from $2.73 per share a year ago [1] - The earnings surprise for the quarter was 36.19%, and the company has surpassed consensus EPS estimates three times in the last four quarters [2] - The company generated revenues of $970 million for the quarter, surpassing the Zacks Consensus Estimate by 1.28%, but down from $991 million year-over-year [3] Earnings Performance - The earnings surprise of 36.19% indicates strong performance relative to expectations [2] - The company has consistently exceeded revenue estimates, achieving this three times in the last four quarters [3] Stock Performance - Bread Financial shares have declined approximately 21.6% year-to-date, compared to a decline of 8.6% for the S&P 500 [4] - The current Zacks Rank for the stock is 3 (Hold), suggesting it is expected to perform in line with the market in the near future [7] Future Outlook - The consensus EPS estimate for the upcoming quarter is $1.77 on revenues of $952.44 million, and for the current fiscal year, it is $6.50 on revenues of $3.9 billion [8] - The industry outlook is favorable, with the Financial - Miscellaneous Services sector ranking in the top 36% of Zacks industries, indicating potential for outperformance [9] Related Industry Insights - Upstart Holdings, Inc. (UPST), another company in the same industry, is expected to report quarterly earnings of $0.19 per share, reflecting a year-over-year increase of 161.3% [10] - UPST's anticipated revenues are projected to be $200.74 million, representing a 57.1% increase from the previous year [11]

COLUMBUS, Ohio, April 24, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s net loss rate and delinquency rate for the periods indicated: For themonth endedMarch 31, 2025 For the three months endedMarch 31, 2025 (dollars in millions)End-of-period credit card and other ...

Kev Demonstrated financial resilience and opportunistic capital allocation Exhibit 99.2 bread financial. First quarter 2025 results April 24, 2025 First quarter 2025 Proactive risk management given ongoing macroeconomic uncertainty (1) Represents a Non-GAAP financial measure. See "Non-GAAP Financial Measures" and "Reconsiliation of GAAP to Non-GAAP Financal Measures" bread financial 2 ©2025 Bread Financial Enhanced financial resilience through responsible growth, proactive risk management, prudent capital a ...

Core Viewpoint - Bread Financial has entered into a multi-year agreement with Crypto.com to launch the first Crypto.com credit card program in the United States, aiming to enhance customer access to cryptocurrency rewards and payment options [1][4]. Company Overview - Bread Financial is a tech-forward financial services company that provides personalized payment, lending, and saving solutions to millions of U.S. consumers [5]. - The company focuses on delivering growth for recognized brands through private label and co-brand credit cards, as well as pay-over-time products [5]. Product Details - The Crypto.com Visa Signature® Credit Card will feature five tiers, allowing cardmembers to earn uncapped CRO rewards at varying rates, with elevated rates for the first twelve months for select tiers [2][4]. - Cardmembers can pre-qualify or apply for the credit card through the Crypto.com app, and once approved, they can add the card to their digital wallets [3]. Customer Benefits - The credit card program is designed to help both novice and experienced traders maximize their investments through straightforward rewards [4]. - Higher-tier cardmembers will receive additional benefits, including unlimited rebates for services like Spotify and Netflix through Crypto.com's Level Up program [2][4]. Market Position - Crypto.com is recognized as an industry leader with over 140 million customers globally, committed to accelerating cryptocurrency adoption through innovative solutions [4][7].

Core Insights - Bread Financial Holdings, Inc. reported its first quarter 2025 financial results, emphasizing its position as a tech-forward financial services company [1] - The company provides flexible payment, lending, and saving solutions to millions of U.S. consumers, enhancing customer experiences and supporting various brands [3] Financial Performance - The financial results for the first quarter of 2025 were announced, with all related materials available on the company's investor relations website [1] - A conference call was scheduled to discuss these results, indicating a commitment to transparency and communication with investors [2] Company Overview - Bread Financial specializes in personalized financial solutions, including general purpose credit cards and savings products, aimed at improving customers' lives [3] - The company collaborates with well-known brands across various sectors, including travel, entertainment, health, beauty, jewelry, and specialty apparel, through private label and co-brand credit cards [3]

Wall Street expects a year-over-year decline in earnings on lower revenues when Bread Financial Holdings (BFH) reports results for the quarter ended March 2025. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.The earnings report, which is expected to be released on April 24, 2025, might help the stock move higher if these key numbers are better ...

Bread Financial Holdings (BFH) shares ended the last trading session 12.7% higher at $48.28. The jump came on an impressive volume with a higher-than-average number of shares changing hands in the session. This compares to the stock's 10.1% loss over the past four weeks.BFH's shares surged in response to the broader market rally after President Trump announced a 90-day pause of reciprocal tariffs for most countries.This manager of loyalty and rewards programs for retailers and others is expected to post qua ...

COLUMBUS, Ohio, April 08, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE:BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions, will host a conference call on Thursday, Apr. 24, 2025, at 8:30 a.m. ET to discuss the company's first quarter 2025 results. Conference Call/Webcast InformationParticipants can register in advance here, and the conference call will be available at the company's investor relations website. Analysts p ...

COLUMBUS, Ohio, March 17, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company’s net loss rate and delinquency rate for the periods indicated: For themonth endedFebruary 28, 2025 For themonth endedFebruary 29, 2024 (dollars in millions)End-of-period credit card and other loa ...