Third quarter 2025 results October 23, 2025 © 2 0 2 2 B r e a d F i n a n c i a l | C o n f i d e n t i a l & P r o p r i e t a r y 1 Key highlights Third quarter 2025 Demonstrated financial resilience and strategic capital allocation Proactive risk management given macroeconomic uncertainty (1) Represents a Non-GAAP financial measure. See "Non-GAAP Financial Measures" and "Reconciliation of GAAP to Non-GAAP Financial Measures". ©2025 Bread Financial 2 • Enhanced financial resilience through ongoing operati ...