Bread Financial Holdings, Inc. (BFH) Presents at Goldman Sachs 2025 U.S. Financial Services Conference Transcript

Question-and-Answer SessionToday's discussion is going to be a fireside chat. So maybe I'll kick it off with you, Ralph. You've done a ton to transform the company over the past few years. Maybe just talk a little bit about what are your -- what have you done? And what are your current areas of focus as we move into 2026?Ralph AndrettaPresident, CEO & Director Brian, thank you, and thank you for recognizing what we've done. And I think it's going to be more of the same. It's -- I've got a very boring answer ...