As of September 30, 2023, we did not have any amounts remaining for future repurchases under the authorized stock repurchase program. Dividends __________________________________ Not meaningful, denoting a variance of 100 percent or more. (nm) Given the nature of our business, the credit quality of our assets, in particular our Credit card and other loans, is a key determinant underlying our ongoing financial performance and overall financial condition. When it comes to our Credit card and other loans portf ...

In connection with the issuance of the Convertible Notes, we entered into privately negotiated capped call transactions (the Capped Call) with certain financial institution counterparties. These transactions are expected generally to reduce potential dilution to our common stock upon any conversion of Convertible Notes and/or offset any cash payments we are required to make in excess of the principal amount of the Convertible Notes, with such reduction and/or offset subject to a cap, based on the cap price. ...

Bread Financial Holdings, Inc. (NYSE:BFH) Q2 2023 Earnings Conference Call July 27, 2023 8:30 AM ET Company Participants Brian Vereb - Head of Investor Relations Ralph Andretta - President & Chief Executive Officer Perry Beberman - Executive Vice President & Chief Financial Officer Conference Call Participants Sanjay Sakhrani - KBW Robert Napoli - William Blair Mihir Bhatia - Bank of America Merrill Lynch Jeff Adelson - Morgan Stanley Bill Carcache - Wolfe Research Dominick Gabriele - Oppenheimer Reggie ...

UNITED STATES (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001-15749 _______________________________________ Table of Contents Washington, D.C. 20549 Delaware 31-1429215 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) (614) 729-4000 (Registr ...

Bread Financial Holdings, Inc. (NYSE:BFH) Q1 2023 Earnings Conference Call April 27, 2023 8:30 AM ET Company Participants Brian Vereb - Head of Investor Relations Ralph Andretta - President and Chief Executive Officer Perry Beberman - Executive Vice President and Chief Financial Officer Conference Call Participants Sanjay Sakhrani - KBW Vincent Caintic - Stephens Moshe Orenbuch - Credit Suisse Mihir Bhatia - Bank of America Jeff Adelson - Morgan Stanley Bill Carache - Wolfe Research Regi Smith - JPMorgan Do ...

V bread financial. Bread Financial 1Q23 Investor Deck February 13, 2023 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 by the use of words such as "believe," "expect," "anticipate," "estimate," "intend," "project," "plan," "likely," "may," "should" or ...

Our revenues are largely dependent on the number and volume of credit transactions by consumers, whose spending patterns may be affected by economic, political, market, health and social events or conditions. As described above, adverse macroeconomic conditions within the U.S. or internationally, including but not limited to recessions, inflation, rising interest rates, high unemployment, currency fluctuations, actual or anticipated large-scale defaults or failures, volatility in energy prices, a slowdown o ...

Bread Financial Holdings, Inc. (NYSE:BFH) Q4 2022 Earnings Conference Call January 26, 2023 8:30 AM ET Company Participants Brian Vereb - Head of Investor Relations Ralph Andretta - President and Chief Executive Officer Perry Beberman - Executive Vice President and Chief Financial Officer Conference Call Participants Sanjay Sakhrani - KBW Robert Napoli - William Blair Moshe Orenbuch - Credit Suisse Vincent Caintic - Stephens Jeff Adelson - Morgan Stanley Bill Carache - Wolfe Research Mihir Bhatia - Bank of ...

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 September 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) d financic Delaware 31-1429215 (State or other j ...

Bread Financial Holdings, Inc. (NYSE:BFH) Q3 2022 Earnings Conference Call October 27, 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 Robert Napoli - William Blair & Company Mihir Bhatia - Bank of America Merrill Lynch Bill Carcache - Wolfe Research Jeffrey Adelson - Morgan Stanley John Pancari - Evercore ISI David Scharf - JMP Securities Reginald Smith - JPMorgan Chase & Co. ...