Alliance Data Systems(BFH) - 2025 Q4 - Earnings Call Presentation

Fourth quarter and full year 2025 results January 29, 2026 © 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 2025 achievements Delivered responsible growth Adapted to the macroeconomic and regulatory environment Disciplined capital allocation and risk management Drove operational excellence and technology advancement Achieved full year 2025 financial outlook (2) In the calculation of Full year 2025 actuals, Revenue (excl. gain on sale) excludes from Total revenue $3 m ...