Bread Financial (NYSE:BFH) Q4 2025 Earnings call January 29, 2026 08:30 AM ET Company ParticipantsBrian Vereb - Head of Investor RelationsJeff Adelson - Executive DirectorJohn Hecht - Managing DirectorJohn Pancari - Senior Managing DirectorPerry Beberman - EVP and CFORalph Andretta - CEOReggie Smith - Executive DirectorConference Call ParticipantsMihir Bhatia - Director and Research AnalystMoshe Orenbuch - Managing Director and Senior AnalystSanjay Sakhrani - Managing Director and Senior AnalystVincent Cain ...

Bread Financial (NYSE:BFH) Q4 2025 Earnings call January 29, 2026 08:30 AM ET Company ParticipantsBrian Vereb - Head of Investor RelationsJeff Adelson - Executive DirectorJohn Hecht - Managing DirectorJohn Pancari - Senior Managing DirectorPerry Beberman - EVP and CFORalph Andretta - CEOReggie Smith - Executive DirectorConference Call ParticipantsMihir Bhatia - Director and Research AnalystMoshe Orenbuch - Managing Director and Senior AnalystSanjay Sakhrani - Managing Director and Senior AnalystVincent Cain ...

Bread Financial (NYSE:BFH) Q4 2025 Earnings call January 29, 2026 08:30 AM ET Speaker1Good morning, and welcome to the Bread Financial fourth quarter 2025 earnings conference call. My name is Kevin, and I'll be coordinating your call today. At this time, all parties have been placed on listen-only mode. Following today's presentation, the floor will be open for your questions. To register a question, please press star 1 1. It is now my pleasure to introduce Mr. Brian Vereb, Head of Investor Relations at Bre ...