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

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 ...