Core Viewpoint - Bread Financial Holdings, Inc. will host a conference call on October 23, 2025, to discuss its third quarter 2025 results, highlighting its focus on personalized financial services [1]. Group 1: Company Overview - Bread Financial is a tech-forward financial services company that offers personalized payment, lending, and saving solutions to millions of U.S. consumers [3]. - The company provides general purpose credit cards and savings products, aiming to empower customers and enhance their quality of life [3]. - Bread Financial also supports growth for recognized brands in various sectors, including travel, health, beauty, jewelry, and specialty apparel through private label and co-brand credit cards [3]. Group 2: Conference Call Details - The conference call will take place at 8:30 a.m. ET, and participants can register in advance through the company's investor relations website [2]. - Analysts wishing to participate in the Q&A session are encouraged to register beforehand, and a webcast will accompany the call, which will also be archived for later access [2].

Core Viewpoint - Bread Financial Holdings, Inc. is actively participating in the Barclays 23rd Annual Global Financial Services Conference, highlighting its commitment to engaging with investors and stakeholders in the financial services sector [1][2]. Company Overview - Bread Financial is a tech-forward financial services company that offers personalized payment, lending, and saving solutions to millions of U.S. consumers [1][3]. - The company provides general purpose credit cards and savings products, aiming to empower customers and enhance their quality of life [3]. - Bread Financial also supports growth for recognized brands in various sectors, including travel, entertainment, health, beauty, jewelry, and specialty apparel through private label and co-brand credit cards [3]. Event Details - The fireside chat featuring Bread Financial's President and CEO Ralph Andretta, along with EVP and CFO Perry Beberman, is scheduled for September 9 at 11:15 a.m. ET and will be broadcast live [2]. - A replay of the webcast will be available for 90 days after the event, ensuring accessibility for interested parties [2].

Core Viewpoint - Bread Financial Holdings, Inc. has authorized a new share repurchase plan of up to $200 million with no expiration date, indicating a commitment to returning value to shareholders and strengthening its capital position [1][2]. Group 1: Share Repurchase Plan - The Board of Directors has approved a plan to repurchase up to $200 million of common stock [1]. - The repurchase plan is flexible and does not obligate the company to acquire a specific number of shares, allowing for suspension or termination based on market conditions and other factors [3]. Group 2: Company Positioning - The company is focused on strengthening its balance sheet and executing capital priorities to grow responsibly while returning value to shareholders [2]. - Bread Financial is described as a tech-forward financial services company that offers personalized payment, lending, and saving solutions to millions of U.S. consumers [4].

Core Viewpoint - Bread Financial Holdings, Inc. has completed its cash tender offers for its senior and subordinated notes, with the offers expiring on August 21, 2025, and details regarding the amounts tendered are provided [1][2]. Group 1: Tender Offer Details - The cash tender offers included the Company's 9.750% Senior Notes due 2029 and 8.375% Fixed-Rate Reset Subordinated Notes due 2035 [1]. - A total of $31,288,000 of the 2029 Notes and $121,000 of the 2035 Notes were validly tendered [2]. - The total outstanding principal amount for the 2029 Notes was $750,012,000, while the 2035 Notes had an outstanding principal of $400,000,000 [2]. Group 2: Financial Considerations - The consideration for the 2029 Notes was $1,070 per $1,000 principal amount, while the 2035 Notes had a consideration of $1,025 per $1,000 principal amount [2]. - The Company accepted $28,402,000 of the 2029 Notes and $121,000 of the 2035 Notes for purchase on the Early Participation Date, with settlement occurring on August 11, 2025 [2]. Group 3: Management and Execution - J.P. Morgan Securities LLC acted as the sole lead dealer manager for the tender offers, with several other firms serving as co-dealer managers [4]. - The tender offers were conducted in accordance with the terms outlined in the Offer to Purchase, and no tenders submitted after the expiration date were valid [2][4]. Group 4: Company Overview - Bread Financial is a tech-forward financial services company that provides payment, lending, and saving solutions to U.S. consumers [8]. - The Company offers general purpose credit cards and savings products, as well as private label and co-brand credit cards for recognized brands in various sectors [8].

Performance Update - Bread Financial Holdings, Inc. reported a net loss rate of 7.6% for July 2025, down from 8.0% in July 2024, indicating an improvement in credit performance [1] - The delinquency rate decreased to 5.8% as of July 31, 2025, compared to 6.2% a year earlier, reflecting better loan management [1] - Net principal losses for July 2025 were $114 million, a slight decrease from $120 million in July 2024 [1] Company Overview - Bread Financial is a tech-forward financial services company that offers personalized payment, lending, and saving solutions to millions of U.S. consumers [2] - The company provides general purpose credit cards and savings products, aiming to empower customers and enhance their quality of life [2] - Bread Financial also supports growth for recognized brands in various sectors through private label and co-brand credit cards [2]

Core Viewpoint - Bread Financial Holdings, Inc. has announced the results of its cash tender offers for its Senior Notes and Subordinated Notes, with a total of $28,402,000 in 9.750% Senior Notes due 2029 and $121,000 in 8.375% Fixed-Rate Reset Subordinated Notes due 2035 validly tendered by the Early Participation Date [1][2] Summary by Category Tender Offer Details - The Company expects to accept the tendered Notes for a Total Consideration of $1,070 for each $1,000 principal amount of the 2029 Notes and $1,025 for each $1,000 principal amount of the 2035 Notes [1][2] - Settlement of the accepted Notes is anticipated to occur on August 11, 2025, subject to the satisfaction or waiver of conditions set forth in the Offer to Purchase [1][3] Financial Information - The outstanding principal amount of the 9.750% Senior Notes due 2029 is $750,012,000, while the outstanding principal amount of the 8.375% Fixed-Rate Reset Subordinated Notes due 2035 is $400,000,000 [2] - The Total Consideration includes an Early Participation Amount of $50.00 for all Notes validly tendered and not validly withdrawn by the Early Participation Date [4][5] Management and Agents - J.P. Morgan Securities LLC is acting as the Sole Lead Dealer Manager for the Tender Offers, with several other firms serving as co-dealer managers [8]

Core Insights - Bread Financial Holdings, Inc. reported a net loss rate of 7.8% for the three months ended June 30, 2025, slightly down from 7.9% in the previous year [1] - The delinquency rate improved to 5.7% as of June 30, 2025, compared to 6.0% a year earlier [1] - The company experienced a year-over-year decline of 1% in average credit card and other loans, totaling $17.631 billion [1] Financial Performance - End-of-period credit card and other loans stood at $17.656 billion as of June 30, 2025 [1] - Net principal losses for the quarter were reported at $113 million, with a total of $348 million for the year [1] - The company noted that the impact of hurricanes Helene and Milton led to a temporary freeze on delinquency progression, affecting net principal losses and loss rates in the second quarter of 2025 [1] Company Overview - Bread Financial is a tech-forward financial services company providing personalized payment, lending, and saving solutions to millions of U.S. consumers [2] - The company offers general purpose credit cards and savings products, aiming to empower customers and enhance their quality of life [2] - Bread Financial collaborates with recognized brands in various sectors, including travel, health, and specialty apparel, through private label and co-brand credit cards [2]

Core Insights - Bread Financial Holdings, Inc. reported its second quarter 2025 financial results, emphasizing its position as a tech-forward financial services company [1] - The company provides a range of payment, lending, and saving solutions tailored to U.S. consumers, enhancing customer experience and brand partnerships [3] Financial Performance - The financial results for the second quarter of 2025 were announced, with all related materials available on the investor relations website [1] - A conference call was scheduled to discuss these results, indicating a commitment to transparency and investor engagement [2] Company Overview - Bread Financial specializes in personalized financial solutions, including general purpose credit cards and savings products, aimed at improving customers' financial well-being [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 card offerings [3]

Core Insights - Bread Financial Holdings, Inc. is set to host a conference call on July 24, 2025, at 8:30 a.m. ET to discuss its second quarter 2025 results [1] - The company is recognized as a tech-forward financial services provider, offering personalized payment, lending, and saving solutions [3] Company Overview - Bread Financial provides payment solutions, including general purpose credit cards and savings products, aimed at enhancing customer experiences [3] - The company supports growth for well-known brands in various sectors such as travel & entertainment, health & beauty, jewelry, and specialty apparel through private label and co-brand credit cards [3] Conference Call Details - Participants can register in advance for the conference call, which will also feature accompanying slides [2] - The webcast will be archived on the company's investor relations website for future access [2]

Core Insights - Bread Financial Holdings, Inc. reported a performance update highlighting a decrease in net loss rate and delinquency rate year-over-year [1] Financial Performance - As of May 31, 2025, the end-of-period credit card and other loans stood at $17,702 million, a slight decrease from $17,847 million in the same period of 2024, reflecting a year-over-year change of -1% [1] - The net principal losses for May 2025 were $120 million, down from $133 million in May 2024, resulting in a net loss rate of 8.0%, compared to 8.8% a year earlier [1] - The delinquency rate as of May 31, 2025, was 5.7%, a decrease from 5.9% in May 2024, with 30 days + delinquencies totaling $926 million, down from $976 million [1] Company Overview - Bread Financial is a tech-forward financial services company that offers personalized payment, lending, and saving solutions to millions of U.S. consumers [2] - The company provides general purpose credit cards and savings products, aiming to empower customers and enhance their lifestyles [2] - Bread Financial also supports growth for recognized brands in various sectors through private label and co-brand credit cards [2]