Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001-15749 BREAD FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) | --- | --- | |-------------------------------------- ...

Bread Financial Holdings, Inc. (NYSE:BFH) Q2 2022 Results Conference Call July 28, 2022 8:30 AM ET Company Participants Brian Vereb - Head, IR Ralph Andretta - CEO, President & Director Perry Beberman - EVP & CFO Conference Call Participants Robert Napoli - William Blair Sanjay Sakhrani - KBW Bill Carcache - Wolfe Research Jeff Adelson - Morgan Stanley Mihir Bhatia - Bank of America Reggie Smith - JPMorgan John Pancari - Evercore Dominick Gabriele - Oppenheimer & Co Operator Good morning, and welcome to Bre ...

Table of Contents 9 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 or | --- | --- | --- | |-----------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------|------------------------------------------------------------ ...

Bread Financial Holdings, Inc. (NYSE:BFH) Q1 2022 Earnings Conference Call April 28, 2022 8:30 AM ET Company Participants Brian Vereb - Head, IR Ralph Andretta - CEO, President & Director Perry Beberman - EVP & CFO Conference Call Participants Sanjay Sakhrani - KBW Jeffrey Adelson - Morgan Stanley, Research Division, Research Associate Robert Napoli - William Blair & Company Bill Carcache - Wolfe Research David Scharf - JMP Securities Michael Young - Truist Securities Reginald Smith - JPMorgan Chase & Co. M ...

\ bread financial. Bread Financial First Quarter 2022 Results April 28, 2022 Ralph Andretta President & CEO Perry Beberman EVP & CFO Forward-Looking Statements This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking statements give our expectations or forecasts of future events and can generally be identified by the use of words such as "believe," "expect," "anticipate," "est ...

Table of Contents 9 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-15749 ALLIANCE DATA SYSTEMS CORPORATION (Exact name of registrant as specified in its charter) Delaware 31-142921 ...

Alliance Data Systems Corporation (ADS) Q4 2021 Earnings Conference Call January 27, 2022 8:30 AM ET Company Participants Brian Vereb - Head, IR Ralph Andretta - President & CEO Perry Beberman - EVP & CFO Conference Call Participants Sanjay Sakhrani - KBW Bob Napoli - William Blair Bill Carcache - Wolfe Research Mihir Bhatia - Bank of America Jeff Adelson - Morgan Stanley John Hecht - Of Jefferies LLC Meng Jiao - Deutsche Bank John Pancari - Evercore ISI Bill Ryan - Seaport Global Dominick Gabriele - Oppenh ...

Alliance Data Fourth Quarter & Full Year 2021 Results January 27, 2022 Ralph Andretta President & CEO Perry Beberman EVP & CFO © 2022 ADS Alliance Data Systems, Inc. © 2022 ADS Alliance Data Systems, Inc. Forward-Looking Statements This release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking statements give our expectations or forecasts of future events and can generally be identified ...

Goldman Sachs 2021 US Financial Services Conference Ralph Andretta President & CEO Perry Beberman EVP & CFO Val Greer EVP & Chief Commercial Officer December 7, 2021 © 2021 ADS Alliance Data Systems, Inc. © 2021 ADS Alliance Data Systems, Inc. Forward-Looking Statements This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking statements give our expectations or forecasts of fu ...

Index UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-15749 ALLIANCE DATA SYSTEMS CORPORATION (Exact name of registrant as specified in its charter) Delaware 31-1429215 (S ...