Alliance Data Systems(BFH) - 2025 Q4 - Annual Results

Exhibit 99.3 ( bread financial. Fourth quarter and full year 2025 results January 29, 2026 2025 achievements Delivered responsible growth 000 Adapted to the macroeconomic and regulatory environment Disciplined capital allocation and risk management Drove operational excellence and technology advancement Achieved full vear 2025 financial outlook | | Full year | Full year | | --- | --- | --- | | | 2025 outlook | 2025 actuals | | Average loans | Flat to slightly down | (1.3)% | | Revenue (excl. gain on sale)(2 ...