Alliance Data Systems(BFH) - 2022 Q4 - Earnings Call Transcript

Bread Financial Holdings, Inc. (NYSE:BFH) Q4 2022 Earnings Conference Call January 26, 2023 8:30 AM ET Company Participants Brian Vereb - Head of Investor Relations Ralph Andretta - President and Chief Executive Officer Perry Beberman - Executive Vice President and Chief Financial Officer Conference Call Participants Sanjay Sakhrani - KBW Robert Napoli - William Blair Moshe Orenbuch - Credit Suisse Vincent Caintic - Stephens Jeff Adelson - Morgan Stanley Bill Carache - Wolfe Research Mihir Bhatia - Bank of ...