Alliance Data Systems(BFH) - 2023 Q3 - Earnings Call Transcript

Bread Financial Holdings, Inc. (NYSE:BFH) Q3 2023 Earnings Conference Call October 26, 2023 8:30 AM ET Company Participants Brian Vereb - Head of IR Ralph Andretta - President and CEO Perry Beberman - EVP and CFO Conference Call Participants Sanjay Sakhrani - KBW Robert Napoli - William Blair Mihir Bhatia - Bank of America Merrill Lynch Jeff Adelson - Morgan Stanley David Scharf - JMP Securities Bill Carcache - Wolfe Research Dominick Gabriele - Oppenheimer Reggie Smith - JPMorgan Operator Good morning, and ...